The Best Bank To Grow Your Wealth in Every State

Are you banking at the financial institution considered one of the best banks in your state? 

GOBankingRates kicked off 2025 by releasing its annual Best Banks ranking and introduced a new category: Best Banks by State. Each state’s best banks were determined by analyzing institutions with at least five branches. Additional factors considered included total assets, Bauer ratings, product rates, fees and mobile app ratings.

Take a look at every state’s best bank to grow your wealth.

• Gold winner: Woodforest National Bank

Woodforest National Bank offers comprehensive bank products and low minimum deposits and balances.

• Gold winner: First National Bank of Alaska

First National Bank of Alaska acts as one solution for all your banking needs with experienced wealth management officers who can assist in achieving your financial goals.

• Gold winner: U.S. Bank

U.S. Bank offers products and services tailored to meet the specific banking needs of personal and business customers. This includes everything from checking and savings accounts to wealth management services.

• Gold winner: Arvest Bank

Arvest Bank provides its clients with a complete range of financial services and maintains a dedication to focusing on the customer above all else.

• Gold winner: U.S. Bank

U.S. Bank offers two checking account options: Bank Smartly Checking, which provides rewards and consumer-friendly overdraft policies, and Safe Debit, which has no overdraft fees.

• Gold winner: U.S. Bank

At U.S. Bank, you can use your Bank Smartly Savings balance for $0 overdraft protection on eligible linked checking accounts.

• Gold winner: Citizens Bank

Citizens Bank offers personal and business financial products for consumers looking to do all their banking in one place.

• Gold winner: Wilmington Savings Fund Society

Wilmington Savings Fund Society provides a local presence with national banking capabilities and global reach.

• Gold winner: SouthState Bank

If you are a healthcare worker, work in education or are a member of the military or law enforcement, you qualify for a checking account with no minimum deposit or monthly fees at SouthState Bank.

• Gold winner: United Community Bank

United Community Bank offers a comprehensive set of financial products to meet individual and business needs.

• Gold winner: First Hawaiian Bank

First Hawaiian Bank offers various financial products to its clientele, including checking and savings options, CDs, business banking and wealth management.

• Gold winner: U.S. Bank

There are four versions of CDs available at U.S. Bank. These include Standard CDs, Step Up CDs, Trade Up CDs and high-yield CD Specials.

• Gold winner: U.S. Bank

Consider growing your wealth at U.S. Bank by opening an Elite Money Market Account. This type of account earns a much higher yield than a traditional savings account.

• Gold winner: Fifth Third Bank

Fifth Third Bank has a robust product selection, including specialized checking and savings options to access your funds.

• Gold winner: U.S. Bank

Fees are kept to a minimum at U.S. Bank, with options available to avoid overdraft fees.

• Gold winner: Intrust Bank

Intrust Bank offers a suite of interest-bearing deposit products, some of which have reasonably attractive rates.

• Gold winner: U.S. Bank

It has never been easier to bank with U.S. Bank than it is now, since the institution has thousands of branches and ATMs across the United States.

• Gold winner: Capital One

Did you know that Capital One’s 360 Checking Accounts was named GOBankingRates’ No. 1 checking account of 2025?

• Gold winner: KeyBank

A full line of products, including checking, savings, CDs and money market accounts, are available for customers that bank at KeyBank. 

• Gold winner: Capital One

Capital One offers two online savings accounts — one for adults, known as 360 Performance Savings, and one for kids.

• Gold winner: Berkshire Bank

Berkshire Bank offers a variety of banking products and services, including competitive savings account rates and easy-to-use mobile banking.

• Gold winner: Fifth Third Bank

Fifth Third is an ideal option if you’re looking for a bank where you can have your checking, savings, credit cards, college funds, retirement and investment accounts all in one place.

• Gold winner: Bremer Bank

Choose from three checking account options, including Bremer Select Banking, Bremer Choice Banking and Benefit Banking.

• Gold winner: Woodforest National Bank

There are six types of checking accounts available from Woodforest National Bank, including the Sterling Advantage account. This account earns interest and is designed for seniors age 55 and older.

• Gold winner: U.S. Bank

Enjoy the convenience of banking with U.S. Bank from your mobile device by using their app to make mobile deposits, pay bills, send money through Zelle and more.

• Gold winner: Stockman Bank of Montana

Stockman Bank of Montana offers a variety of banking products and services with more personalized customer service.

• Gold winner: Pinnacle Bank

Pinnacle Bank offers products that include checking accounts with nontraditional perks like ID Protect and Cellular Telephone Protection, as well as interest-earning potential.

• Gold winner: WaFd Bank

At WaFd Bank, customers receive access to a broad product line alongside digital banking services, online banking and a mobile app.

• Gold winner: Meredith Village Savings Bank

Meredith Village Savings Bank offers four checking accounts: Premier Checking, Mutual Benefits Checking, Senior Checking and Better Checking.

• Gold winner: Valley National Bank

Seven types of checking accounts are available from Valley National Bank — and four of these accounts can be opened online.

• Gold winner: BOKF

While there are multiple checking accounts to choose from at BOKF, there’s only one savings account for adults. A youth savings option is also available.

• Gold winner: Citizens Bank

Five checking accounts — including two for everyday banking, one premium checking account, one for students and one for seniors — are available to Citizens Bank clientele.

• Gold winner: First Citizens Bank

First Citizens Bank has three checking account options: Free Checking, Premier Checking and Prestige Checking accounts.

• Gold winner: Bremer Bank

Bremer has great in-person customer service, with many reviews noting the personalized service that customers receive.

• Gold winner: Fifth Third Bank

One of the checking account options available at Fifth Third Bank is Momentum Checking, a free account with no minimum balance required to open or maintain.

• Gold winner: BOKF

BOKF is currently the largest bank in Oklahoma and has 114 branch locations in the area.

• Gold winner: U.S. Bank

At U.S. Bank, standard rates are below average on all accounts.

• Gold winner: First Commonwealth Bank

First Commonwealth Bank offers a variety of account options, including fee-waivable checking accounts, interest-bearing accounts, CDs and money market accounts.

• Gold winner: Citizens Bank

Choose from three primary checking accounts available at Citizens Bank: One Deposit Checking, Citizens Quest Checking and Citizens Private Client Checking.

• Gold winner: First Citizens Bank

First Citizens Bank has products and services most people need, including checking accounts, savings accounts, CDs, credit cards, mortgages and other loans, investment accounts and insurance.

• Gold winner: First Dakota National Bank

First Dakota National Bank offers a free checking account with no minimum balance required.

• Gold winner: FSNB

FSNB offers two checking accounts: E-Standard and E-Advanced.

• Gold winner: Prosperity Bank

Prosperity Bank offers a wide variety of products and services, with strong options in both checking and CD accounts.

• Gold winner: Bank of Utah

Bank of Utah’s offerings include interest-earning checking and savings accounts alongside a combined save and spend account.

• Gold winner: Northfield Savings Bank

Northfield Savings Bank provides a wide range of deposit accounts for consumers and businesses.

• Gold winner: Atlantic Union Bank

Atlantic Union offers five checking accounts: Prism Checking, Free Checking, Loyalty Checking, Preferred Checking and ThankU Checking.

• Gold winner: U.S. Bank

U.S. Bank forgives overdrafts of up to $50. It also forgives overdrafts of more than $50 when you make a qualifying deposit by 11 p.m. ET on the day the overdraft occurs.

• Gold winner: United Bank

United Rewards, United Platinum, United Free, United Essential and Veterans Checking are the five types of checking accounts offered at United Bank.

• Gold winner: Nicolet National Bank

Explore a wide range of products, including flexible checking and savings accounts, business services, loans and more, at Nicolet Bank.

• Gold winner: Pinnacle Bank

A minimum deposit of $100 is required to open a PinnSavings Account.

Methodology: To determine the best banks by state, GOBankingRates analyzed institutions with at least five branches, factoring in total assets, Bauer ratings, product rates, fees, mobile app ratings and more. Banks were ranked based on a weighted scoring system to identify the top three in each state. All products and offerings had to be available as of Nov. 8, 2024, to be considered.