Best Banks in Idaho
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
From large national banks like U.S. Bank to regional banks like Zions, Idaho residents have plenty of options. GOBankingRates’ top picks for checking, savings and certificate of deposit (CD) accounts highlight banks that combine local service and community focus with statewide branch access and affordable banking to everyday customers.
Show More
Commitment to Our Readers
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.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
TOP IDAHO BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Highlights
Find Out More
Detailed Reviews of the Best Banks in Idaho
Here’s a closer look at GOBankingRates’ selection of top banks in Idaho.
Gold Winner: U.S. Bank
With 38 locations across Idaho, U.S. Bank makes it easy to find in-person service or fee-free, in-network ATMs. For Idaho residents seeking the broad benefits of a larger bank, including a variety of products and nationwide branches, U.S. Bank is a solid choice.
U.S. Bank also stands out for CD accounts because of its wide array of options and annual percentage yields (APYs) up to .
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.
Show Pros, Cons and More
Hide Pros, Cons and More
Silver Winner: Zions Bank
Zions Bank, headquartered in Boise, earned GOBankingRates’ vote as the best bank for checking accounts in Idaho. It has multiple options, including an account for military personnel and their families, an interest-earning checking account and a certified BankOn account with a low monthly fee and no overdraft fees.
Zions also emphasizes community involvement through various programs and volunteer efforts.
Best For
Auto Loans
Low Monthly Fees
Mobile Banking
IRA Options
Business Banking
Avoid Extra Fees With OnBudget Accounts
Zions Bank does not have any overdraft fees for its OnBudget Banking accounts. Avoiding this fee can help you save a lot of money.
Total Branch Locations
Over 110
Mobile App Rating
4.7 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, money market, CDs, IRAs, home loans, auto loans, wealth management, business banking, insurance, credit cards
Pros
- Digital tools make it easier to manage your money
- Low minimum opening deposit for some accounts
- No overdraft fees
Cons
- Low APYs for savings accounts
- Some bank accounts do not let you waive the monthly service feeÂ
- Branches are mostly in the Southwest
Why We Like Zions Bank
Zions has no overdraft fees, plus a bunch of digital tools that make it easier to stay on top of your finances. With a wide range of account types, it can work as a one-stop solution for both personal and business banking.
Show Pros, Cons and More
Hide Pros, Cons and More
Bronze Winner: KeyBank
KeyBank has more than a dozen branches across Idaho, along with locations in 14 additional states across the US. GOBankingRates chose KeyBank for its savings account options.
KeyBank also has a vast ATM network, a round-up savings program that makes savings automatic when you spend and opportunities to earn money when you open a checking account and meet the requirements. Â
Best For
Mobile Banking
Low Monthly Fees
Personal Loans
Credit Cards
Interest Checking
Low-Fee Savings and No-Fee Checking Accounts
KeyBank stands out for its impressive selection of checking and savings accounts with benefits smaller banks rarely offer. Key Select checking customers enjoy a APY plus a $100 annual bonus with qualifying direct deposits.
Total Branch Locations
Over 1,000
Mobile App Rating
4.7 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, CDs, credit cards, personal loans and lines of credit
Pros
- Comprehensive selection of accounts
- Bonus and rewards programs
- Low- and no-fee options
- Large network of ATMs
Cons
- High fees on some accounts
- Only one interest-bearing checking account
- Branch access is limited
- High overdraft fee
Why We Like KeyBank
KeyBank offers a well-rounded selection of checking and savings accounts with perks like automatic savings, early pay and overdraft forgiveness for overdrafts of $20 or less. Customer service for online and mobile banking is available by phone seven days per week, and you can make an appointment at your local branch to meet face-to-face with a representative.
Show Pros, Cons and More
Hide Pros, Cons and More
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. 26, 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 Idaho
Idaho residents can choose between national banks with broad digital tools and ATM networks or regional banks and credit unions that offer more personal, community-based service. The right choice depends on how you prefer to bank and what account features matter most.
Key factors to consider include:
- Branch and ATM access: National banks often have the largest networks, while regional banks may have fewer physical locations but can provide strong ATM access through partnerships.
- Fee structures and waivers: Whether you choose a regional or national bank, pay attention to account fees. See if you can meet requirements to waive fees or consider banks like Zions or KeyBank, which offer no-fee checking account options.
- Community involvement: Many Idaho credit unions and banks invest in local programs and financial education. If supporting your community matters to you, this may be an important factor.
Final Take
When you’re choosing from the best Idaho banks, pay attention to their various product offerings, fees and branch locations if you intend to bank in person. When you find one of the top banks in Idaho that checks all your boxes, start your application right away.
FAQs About Banking in Idaho
Here’s more information to help you find the best Idaho bank for your needs.- What is the best bank for high-yield savings in Idaho?
- With options for health savings accounts and interest-earning savings accounts for kids, KeyBank has some of the best savings accounts in Idaho.
- Which banks have the most ATMs in Idaho?
- If you need ATM access, consider Zions Bank, which is partnered with the MoneyPass network of ATMs and has 40,000 fee-free ATMs across the U.S.
- Are there any banks in Idaho with no monthly fees?
- Several banks in Idaho offer no-fee checking accounts, or accounts with fees that are easily waived. One of the best no-fee Idaho checking accounts is Zions Bank, with no monthly maintenance fee for its Anytime Checking account. KeyBank’s Key Smart checking and KeyBank Hassle-free account also have no monthly fees.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Dawn Allcot contributed to the reporting for this article.
See Best Banks Winners From All Categories
