Best Banks in Georgia
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Whether you live in downtown Atlanta, in suburban Decatur or Alpharetta, or in an Appalachian mountain town, you’ll have many Georgia banks to choose from. With a banking landscape as diverse as Georgia itself, you can choose from local, regional and national banks as well as credit unions.
This guide to the best banks in Georgia reviews top options for checking, savings and certificate of deposit (CD) accounts.
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GOBankingRates' editorial team is committed to bringing you unbiased bank reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our in-depth bank review methodology.
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TOP GEORGIA BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Features
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Detailed Reviews of the Best Banks in Georgia
Here’s a closer look at the main features and benefits of GOBankingRates’ picks for top banks in Georgia.
Gold Winner: United Community
United Community is a true community bank, serving customers in Georgia, North Carolina, Tennessee, South Carolina, Florida and Alabama.
J.D. Power rated United Community Bank the Best Retail Bank for Customer Satisfaction in the Southeast Region, including rating it No. 1 for trust and people.
Best For
Mobile Banking
Low Monthly Fees
High Interest Rates
Loan Options
Investment Services
Competitive CD APYs
United Community Bank offers great interest rates on savings, money market and CD accounts. You can also find checking accounts with no fees, or fees that can easily be waived.
Total Branch Locations
200
Mobile App Rating
4.7 on Apple App Store and Google Play
Other Products Offered
Checking, savings, CDs, credit cards, home loans, personal loans, wealth management services
Pros
- Multiple checking accounts, including those for seniors and students
- Monthly maintenance fees are easily waived
- Tiered savings and money market rates — earn more on higher balances
Cons
- High balance requirement to earn interest on checking account
Why We Like United Community Bank
United Community Bank is a strong regional bank that gets high marks for customer service. With a complete menu of deposit and lending products, United Community can cover all your financial bases. The bank is involved in the local community through financial literacy programs and charities like Habitat for Humanity.
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Silver Winner: Wells Fargo
Wells Fargo is an international bank with thousands of branch locations. It serves one out of every three families in the United States.
Best For
Credit Cards
National Banks
Home Loans
Auto Loans
Investments
Everyday Banking and a Variety of Services
Wells Fargo has several products for everyday banking as well as options for mortgages, auto loans and credit cards. The app is user-friendly and the wide network of ATMs makes it easy to withdraw cash without paying a fee.
Total Branch Locations
Over 4,300 in the U.S.
Mobile App Rating
4.9 on the Apple App Store and 4.8 on Google Play
Other Products Offered
Credit cards, home loans, auto loans, investments
Pros
- Extensive branch and ATM network
- Diverse product offerings
- User-friendly digital interface
Cons
- Minimum deposit requirements and monthly maintenance fees
- High overdraft fees
- Low interest rate on savings accounts
Why We Like Wells Fargo
Wells Fargo offers one-stop everyday banking and financial planning services. There are several products for consumers and accessibility to branches and ATMs.
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Bronze Winner: Truist
Truist is a leading regional bank in the southeast and Midwest, with a strong presence in Georgia. Truist Park in Atlanta is home to the Atlanta Braves baseball team.
Best For
Credit Cards
National Banks
Mortgages
Loans
Investments
User-Friendly Mobile App
Truist is a regional bank with a strong national presence. It offers opportunities for consumers to handle their everyday banking, start or manage investments, take out loans and sign up for credit cards. The bank also has a strong ATM network and a user-friendly app.
Total Branch Locations
Over 1,900
Mobile App Rating
4.8 on Apple App Store and Google Play
Other Products Offered
Mortgages, credit cards, loans, investments and retirement
Pros
- No overdraft fees
- Affordable mortgage options
- Extensive branch and ATM network
Cons
- Monthly service fees
- Low interest on savings accounts
Why We Like Truist
Truist has a strong regional presence with options for checking, savings, loans and credit cards. The bank doesn’t have overdraft fees, but it does offer a $100 negative balance buffer.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 1, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in Georgia
Choosing the right bank is an important decision, and you can start by identifying what matters most to you.
- Think about the way you like to bank — in person, on your desktop or on a mobile device.
- Do you prefer walking into a branch where they know your name, or are you happy to handle everything through an app?
If you’re comparing the best Georgia banks, look at the full range of products and services offered. You might only need a checking and savings account right now, but in the future you could want a car loan, mortgage or investment services. Comparing rates can help you find the best value for your needs.
Also consider whether you want to bank with a national institution, a regional bank or one of the many credit unions in Georgia.
- Credit unions often offer competitive rates and lower fees.
- National banks may provide more branch and ATM access.
Some people think there’s more to banking than dollars and cents, so consider the spirit of the bank that gets your business. Consider the top banks in Georgia that are good employers or give back to the community, if that’s a priority for you.
Conclusion
There are banks in Georgia for just about any need, so consider what’s important to you. By deciding what’s important to you, you can find the bank that best fits your goals and start your new account application today.
FAQs About Banking in Georgia
Here’s more information to help you find the best Georgia bank for your needs.- What is the best bank for high-yield savings in Georgia?
- High-yield savings rates change all the time, so it's important to see what's available when you're ready to open an account. Online banks often offer higher rates than brick-and-mortar banks, such as the Varo high-yield savings account, which pays up to 5.00% APY on balances up to $5,000.
- Which banks have the most ATMs in Georgia?
- Wells Fargo and Truist have large numbers of ATMs in Georgia. There is also a significant number of Allpoint ATMs, a network that many Georgia banks use.
- Are there any banks in Georgia with no monthly fees?
- Yes. United Community Bank, Wells Fargo, Truist and other Georgia banks offer accounts with no fees, or fees that can be waived with qualifying activities.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Karen Doyle contributed to the reporting for this article.
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