Finding a bank isn’t just about interest rates and fees — it’s also about how well they treat you when things go wrong. If customer service is your top priority, here are the best banks worth considering. Check out this guide for the 10 best banks for customer service.
10 Best Banks for Customer Service
Capital One – Best for Overall Customer Satisfaction
- Ranked highest in customer satisfaction by Statista, at 889 out of 1,000
- Broad mix of services with consistently high marks
- No monthly service charges or minimums on accounts
- Best for: All-around customer experience across banking types
Bank of America – Best for Convenience
- Thousands of ATMs and financial centers
- Strong mobile and online banking
- Rated 4.8 out of 5 stars in the Apple Store
- Best for: Users who want 24/7 access online and in-person banking
Ally Bank – Best for 24/7 Customer Support
- 24-hour live support for most accounts
- Highly rated mobile and online tools
- Rated 4.7 out of 5 stars in the Apple Store
- Best for: Digital-first users who want real-time help
Citi® – Best for Fraud and Identity Protection
- Zero liability on fraudulent charges
- Automatic identity theft monitoring
- Over 70,000 fee-free ATMs
- Best for: Security-conscious users
TD Bank – Best In-Person Service
- Positive in-branch reviews despite mixed ratings
- Great for East Coast customers because of its extended in-person hours
- Known for friendly, attentive staff
- Best for: People who still prefer branch visits
Chase – Best for Financial Planning Support
- Access to in-house financial advisors
- Over 4,700 branches and 16,000 ATMs
- Integrated tools for long-term planning
- Best for: Customers seeking full-service financial support
American Express – Best for Credit Card Support
- Top-ranked credit card service per J.D. Power
- No monthly service fees on accounts
- Broad suite of cardholder support tools
- Best for: Cardholders who value responsive help
Wells Fargo – Best for Digital Banking Tools
- Intuitive mobile app and online features
- An extensive number of banks in 36 states
- Budgeting, transfers and mobile deposits made easy
- Best for: On-the-go users managing money online
U.S. Bank – Best for Basic Checking Support
- 24/7 live phone support
- Rated 4.8 in the Apple Store and 4.7 on Google Play
- Multiple no-fee or interest-bearing checking options
- Best for: People looking for basic, accessible checking
SoFi – Best for Online-Only Customer Experience
- 4.3-star Trustpilot rating
- Access to over 55,000 ATMs
- Fully digital platform with human chat support
- Best for: Users looking to ditch traditional banking
Quick Comparison Table: Customer Service Highlights
How do the banks stack up against each other? Check out this table to find out if your bank is on this list.
| Bank | Standout Feature | Customer Support Access | Best For |
|---|---|---|---|
| Capital One | Higher customer satisfaction | Phone, chat, app | General banking experience |
| Bank of America | Strong mobile and online banking | Branch, digital and phone support | Customers who want 24/7 access to the bank |
| Ally Bank | 24/7 human customer support | Phone, chat, email | Digital banking |
| Others | Strong fraud protection | Phone and digital alerts | Security first for customers |
| TD Bank | Personalized in-service banking | Branch and phone support | Great for locals |
| Chase | In-house financial advisors | Phone and branch support | General bank and investment services |
| American Express | Top-ranked credit card service | Phone and online support | Cardholders who want responsive help |
| Wells Fargo | Intuitive mobile app | Phone and branch support | People who prefer on-the-go banking |
| US Bank | 24/7 live support | Chat and phone support | Basic accessible banking |
| SoFi | High Trustpilot rating | Chat and app support | Online first experience |
How To Choose a Bank Based on Customer Service
If you want to make an informed decision on which bank to choose based on the customer service offered:
Choose digital or in-person banking. Do you want to visit a branch or do you prefer doing your transactions online? Choose what matters most to you. You may want in-person bank options or you may find it easier to do your banking with a digital device.
Evaluate customer service options. If live support hours are important to you, find out if customer service is available 24/7 or if the hours are limited.
Review fraud protection availability. How does the bank handle fraud? Find out their policy so you can make an informed decision on where to bank.
Look at mobile app ratings. If banking on the go is important to you, check out the bank’s app score in the Apple Store and on Google Play.
Read satisfaction scores. Look at satisfaction scores on banks from either J.D. Power or Trustpilot.
Understand what matters most to you. What do you prefer? Speed, friendliness or flexibility? Determine what you value and choose a bank based on your preferences.
Final Thoughts
Great customer service can save you time, stress and money. Take a look at the list and see which banks are most convenient for you and offer the best customer service perks. Whether you prefer 24/7 digital support or in-person care, the banks above offer stand-out experiences in different ways. Choose the one that fits how you bank — and how you want to be treated.
Joshua Rodriguez contributed to the reporting for this article.
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