10 Banks With the Best Customer Service

Customer shaking hands with bank teller at bank counter.
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When you open a new account with a bank, you’re choosing a company to build a relationship with. It’s important to start that relationship with a financial institution that values customer service. Read on to learn about the best banks for customer service. 

What Are the Best Banks for Customer Service?

Banks offer a wide range of services, from deposit to lending accounts, personal to business accounts and more. So, simply saying one bank is the best to work with doesn’t capture the full picture. Here are the 10 best banks for customer service and where they each shine.

1. Capital One: Best for Overall Customer Satisfaction

Although each individual bank offers its own set of services, if you’re interested in more than one banking service or just want to work with a bank that’s known for a high level of customer satisfaction, Capital One is the likely choice for you. 

Statista recently provided a research report on the banks with the highest overall customer satisfaction rates, scoring every large bank in the United States out of 1,000 points. Capital One came in first place with 694 points. The second-place bank, JP Morgan Chase, was a full 16 points behind, with 678 points.

2. Bank of America: Best for Convenience

Bank of America, Member FDIC, is easily the most convenient bank to work with in the United States. That’s because it owns one of the largest banking networks in the world, with thousands of ATMs and financial centers.

The bank has also invested in state-of-the-art online and mobile banking applications to add to the convenience.

3. Ally Bank: Best for 24-Hour Customer Service

In many cases, you’ll have access to 24-hour live customer support with Ally Bank. Personal banking — including checking, savings, investing and credit card accounts — comes with 24-hour support access. However, the company’s lending departments each have set hours to consider.

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Nonetheless, for general banking services, investing and credit card accounts, Ally has one of the most accessible customer service teams in the business.

4. Citi®: Best for Fraud and Identity Theft Support

Debit card and check fraud are growing at alarming rates. With more people falling victim to these scams every day, it only makes sense that you should consider fraud and identity theft support when you open a new account.

As a Citi® customer, you’re never held liable for fraud and you’ll automatically receive identity theft protection services.

5. TD Bank: Best In-Person Support

Like most banks, TD Bank has a relatively low customer satisfaction rating on Trustpilot. Unfortunately, most companies that offer lending products do.

However, positive reviews on the company’s Trustpilot profile almost always reference a staff member or manager going out of their way to provide the best personal customer support possible. The simple fact is that banking can be a headache. So, when you must make the trip to the bank, it’s nice to go to an institution that offers a caring support team.

6. Chase: Best for Financial Planning Support

Most banks offer some sort of investing account, but if you want to talk to a financial advisor, you’ll need to seek services elsewhere. That’s not the case with Chase.

The company understands the importance of investing and works to help you every step of the way with its own in-house financial advisors. So, if you’re looking for financial planning support, this is the bank to choose.

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7. American Express: Best for Credit Card Support

American Express, Member FDIC, is one of the largest banks for credit cards in the United States. It’s also the credit card issuing bank that ranks the highest in terms of customer satisfaction, according to J.D. Power and Associates. The company ranked issuers on a 1,000-point scale, with American Express earning 838 points.

8. Wells Fargo: Best for Digital Banking Support

These days, it’s possible to do everything on the go, and if that’s your plan, Wells Fargo may be the best option. 

The company has developed an intuitive online banking platform that’s difficult for any other bank to compete with. The platform makes it easy to deposit checks, send and receive money, manage your budget and generate a financial plan from anywhere in the world.

9. US Bank: Best for Basic Checking Account Support

If all you need is a basic checking account, U.S. Bank may just be the best option. You can choose checking accounts that earn interest or come with no overdraft fee. Plus, there are plenty of ways to waive your maintenance fees.

When you need assistance with your account, you’ll have access to a live representative 24 hours a day.

10. SoFi: Best Online Banking Solution

Finally, if you’d like to ditch traditional banking services, SoFi is one of the best online banking solutions. The company offers a wide range of online banking services, and unlike its traditional banking counterparts, it’s got a great rating with Trustpilot — 4.6 stars.

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Final Take

If you’re looking for a new bank to work with, it’s important to review what tools and policies banks have in place to accommodate their customers, as well as what financial services they offer. Consider one of the 10 banks listed here to get great customer service.


Find the answers to the most common questions about banks and their customer service below.
  • Which bank has the best customer satisfaction?
    • According to Statista, Capital One holds the highest customer satisfaction rating among large banks in the United States.
  • Which banks have the highest customer service rating?
    • The top five banks with the highest customer service rating include:
      • – Capital One
      • – Chase
      • – TD Bank
      • – PNC
      • – U.S. Bank
  • What is the number one bank in America?
    • The largest bank in the United States by assets under management is JP Morgan Chase.
  • Who is the best bank to bank with?
    • Capital One has the highest customer satisfaction score, according to Statista. However, the best bank to work with depends on the type of banking services you need.
    • If you're looking for an excellent online experience, consider banking with Ally or SoFi. If what you need is a huge variety of financial planning services, Chase might be the bank for you. If you want a great variety of credit cards, consider American Express. The list above is a great place to start looking for the best bank for your needs.

Information is accurate as of May 3, 2023.

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Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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