Numerous ATMs and enticing sign-up incentives are among the perks offered by the best national US banks, which can be found all around the country. A few are only available online, while others are physically located.
We will write another article about the best banks in the United States for foreigners. So that, when you get your US visa for Malta citizens, you should know which bank of the United States is best for you.
ٖFor Online Banking, Bank of America is the Best
As with other large brick-and-mortar banks, Bank of America has low-interest rates despite its easy accessibility and excellent communication channels.
More than 4,100 branches and ATMs in 35 states and the District of Columbia are available to customers.
The call center is open from 8 a.m. to 11 p.m. Eastern time on weekdays and 8 a.m. to 8 p.m. Eastern time on weekends, making it easy to get in touch with a customer support rep.
@BofAـHelp is the Twitter handle for the customer service of Bank of America. It is responsive, and chat support is available online, as well as virtual financial advice in the app.
Interest on checking, savings, and certificate of deposit accounts is low. If you use direct deposit or keep a certain amount in your account, you can avoid service charges.
Chase Bank is Best for New Sign-Up Bonuses
If you’re looking for a bank with locations and ATMs all throughout the United States, Chase is your best option. Monthly fees on accounts are easily avoidable, but interest on checking and savings accounts is minimal.
Get a discount: The bank frequently offers new customers discounts. For a limited time, you can receive an extra $200 just for opening a new checking account.
Avoiding fees is a simple matter of following these guidelines: Withdrawals made via direct deposit or by maintaining minimum balances in linked Chase accounts can avoid monthly checking fees.
For savings instruments, the annual percentage yield (APY) is low. Chase Bank has over 4,700 locations in 45+ states, with 16,000 ATMs to service its customers.
Discover Bank is the Best Option for Cash Rewards
Discover is an online bank that offers a reward checking account as well as competitive interest rates on savings and CDs. One percent cash back can be earned on up to $3,000 in debit card transactions a month with checking.
Competitive APYs: Discover Savings and certificates of deposit provide high APYs. Powerful cash machine infrastructure: Free use of 60,000 ATMs۔
Fee-free: There are no monthly fees or minimum deposit requirements for checking and savings accounts, which are free of charge.
Don’t forget to check this article on the US visa for Monegasque citizens when you decided to move to the United States. You might need to open a business account in the US if you get a business visa.
Best for ATMs, Alliant Credit Union
No monthly fees and excellent interest rates are just some of the advantages of Alliant’s bank accounts, which are available across the country.
Alliant Credit Union with a large number of teller machines: Over 80,000 fee-free ATMs may be found in the Alliant network, which can be joined online.
Comparable APYs on savings accounts at other online lenders. Checking accounts don’t have a minimum balance restriction, therefore monthly fees can be avoided.
In terms of Customer Care, Ally Bank is Best
Ally does not have any physical branches, but it offers 24/7 customer support, cheap fees, and high-interest rates.
There are over 43,000 Ally ATMs around the country, making Ally a convenient option for those who prefer to bank online but still want to have access to their cash.
Customer service is available around the clock by telephone. Keeping a checking or savings account free of charges each month is a perk.
High-interest rates: Savings and certificates of deposit are all offering competitive interest rates now.