Best Banks in Wisconsin for 2025
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Wisconsin is largely rural, which means residents may have fewer nearby banking options compared with other states. However, you don’t have to settle for less — many local and national banks in Wisconsin offer strong products. Check out these top Wisconsin banks for products like checking and savings accounts and certificates of deposit (CDs).
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TOP WISCONSIN BANKS AT A GLANCE
Bank/Institution
Savings APY
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Detailed Reviews of the Best Banks in Wisconsin
Here are GOBankingRates’ top picks for the best banks in Wisconsin for 2025.
Gold Winner: Nicolet National Bank
Founded in 2007, Nicolet National Bank has quickly grown into one of the best banks in Wisconsin. With $8.9 billion in assets, Nicolet aims to create what it calls “shared success” for both its customers and communities.
Best For
Mobile Banking
Low Monthly Fees
Loan Options
Business Banking
Credit Cards
Rewards Checking With a High Yield
Nicolet National Bank is one of the best Wisconsin banks due to being a full-service bank that checks all the boxes and then some. One nice surprise is that it offers a Real Rewards Checking account with a yield that goes beyond what most banks offer. Earn APY for balances equal to or greater than $25,000.01.
Total Branch Locations
Over 40
Mobile App Rating
2.3 on the Apple App Store and 2.6 on Google Play
Other Products Offered
Checking, savings, money market accounts, home lending, vehicle loans, credit cards, business checking, savings and loans, agriculture loans and deposit accounts
Pros
- High-yield rewards checking account
- No monthly service fee on most checking options
- Competitive CD rates
Cons
- $2,500 minimum opening balance on CDs
- Highest yields on deposit accounts require large minimum balances
Why We Like Nicolet National Bank
Nicolet National Bank offers competitive checking and savings account yields, including a APY yield on its Real Rewards Checking account. It also belongs to the MoneyPass network, which has around 40,000 surcharge-free ATMs nationwide. Additionally, it’s partnered with Zelle, so account holders can instantly send and receive money.
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Silver Winner: U.S. Bank
U.S. Bank, the nation’s fifth-largest bank with $659 billion in assets, has deep roots dating back to the 19th century. With 113 branches across Wisconsin, it offers both local convenience and the full service of a major national bank.
Account holders have access to a full-service bank and a variety of advanced digital tools.
Best For
Investment Management
Personal Loans
Corporate and Commercial Banking
Home Loans
National Banks
$25 Minimum Deposit for Checking Accounts
U.S. Bank provides services for everyday banking and specialty services like loans, investments and commercial banking. The U.S. Bank app is user friendly and there are approximately 2,200 ATMs across 26 states.
Total Branch Locations
Over 2,200
Mobile App Rating
4.8 on the Apple App Store and 4.7 on Google Play
Other Products Offered
Everyday banking, investment management, corporate and commercial banking, home, vehicle and personal loans
Pros
- Diverse product offerings
- Extensive branch and ATM network
- 24/7 customer service
Cons
- Low interest rates on savings accounts
- Monthly maintenance fees
- High overdraft fees
Why We Like U.S. Bank
U.S. Bank offers a wide range of banking products, including checking, savings, loans and investment services, making it a one-stop solution for financial needs. It has an extensive branch and ATM network and a user-friendly app.
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Bronze Winner: BMO Bank
BMO Bank has been around for over two centuries since 1817. It’s the eighth-largest U.S. bank. Additionally, it has 215 branch locations across Wisconsin.
It offers up to $450 in rewards for opening a checking and savings account and offers a full suite of banking products and services.
Best For
Premium Checking Accounts
Mobile Banking
Account Perks
Low Monthly Fees
Loan Options
No-Fee Checking and Saving
BMO gives you several ways to spend and save, including accounts with no maintenance fees, checking with $0 overdrafts and a savings account that earns up to $60 in bonuses when you save $200 per month in the first year. Standard CD rates are low, but CD specials come with higher yields.
Total Branch Locations
Over 1,000
Mobile App Rating
4.8 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, CDs, loans, investing
Pros
- Low- and no-fee accounts
- Relationship rates for qualifying accounts
- Large network of fee-free ATMs
- Strong customer support
Cons
- Low APYs on savings accounts and on money market balances under $250,000
- No interest on checking accounts
- High-yielding BMO Alto online accounts not available or supported through BMO
Why We Like BMO Bank
BMO has a smaller selection of accounts compared to the other best banks, but they cover all the bases, with low- and no-fee accounts and ways to maximize your savings. BMO also has great customer support options, including digital support and extensive availability by phone.
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Best Banks
Best Checking Accounts
Best 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 Sept. 2, 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 Wisconsin
Finding the right bank in Wisconsin depends on what matters most to you. Consider factors like:
- Branch access: Having a nearby branch can be important for in-person tasks like deposits or loan applications.
- Rates and fees: If higher APYs and lower minimum balance requirements are your priority, an online bank or credit union may be the better choice.
Final Take
Choosing a bank in Wisconsin comes down to what matters most to you — whether that’s low fees, high rates or the convenience of a nearby branch. The banks on GOBankingRates’ list balance strong products with accessibility. Take time to review them and open a new account today.
FAQs About Banking in Wisconsin
Here's more information to help you find the best Wisconsin bank for your needs.- What is the best bank for high-yield savings in Wisconsin?
- Often, the best bank for high-yield savings accounts is an online-only institution, like Ally Bank, which offers 3.50% APY on all balance tiers with no monthly maintenance fees or minimum deposits.
- Which banks have the most ATMs in Wisconsin?
- It’s hard to say which banks have the largest ATM networks in Wisconsin. Some, like Nicolet National Bank, don’t have that many branded ATMs but the bank is partnered with the MoneyPass ATM network, which has around 40,000 ATMs across the nation, and ups its ATM availability considerably.,
- Are there any banks in Wisconsin with no monthly fees?
- You’ll likely find that most Wisconsin banks charge fees but offer easy ways to waive them through minimum balance requirements or setting up direct deposits. For a no-fee banking experience, check with online-only banks, which are more likely to offer no monthly fees.
More Resources for Banking
Best Banks
Best Checking Accounts
Best Savings Accounts
CD Account Rates
Money Market Accounts
Cynthia Measom contributed to the reporting for this article.
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