Best Banks in Ohio
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Ohio is home to several major banks — including U.S. Bank, KeyBank and Fifth Third Bank — all headquartered in the state. Beyond these national players, Ohio also has a strong mix of regional banks, credit unions and even online or hybrid banks offering no-fee accounts and competitive APYs. With so many options available, this GOBankingRates guide highlights the best banks in Ohio to help you find the right fit.
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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.
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TOP OHIO BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Features
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Detailed Reviews of the Best Banks in Ohio
Here are GOBankingRates’ top picks for the best banks in Ohio for 2025.
Gold Winner: Fifth Third Bank
Fifth Third Bank offers customers one-stop shopping for several banking needs including checking and savings accounts, college funding, credit cards as well as investment accounts. The bank offers at least five checking accounts that include special military and student accounts. Savings account offerings are comprehensive including a kid’s account, health savings options and a 529 plan too. 
Best For
Mobile Banking
No Minimum Deposit
Low Monthly Fees
Loan Options
Wealth Management
Resources for All Areas of Your Financial Life
Fifth Third Bank stands out for its Momentum Banking, which helps you set up your new account for direct deposit, gives you a free 90-day overdraft window, and then pays your direct deposit two days early. There's no minimum deposit and no monthly service fee.
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, credit cards, loans and wealth management services
Pros
- Help transfer your old account and set up direct deposit
- Different banking programs for all kinds of needs
- Award-winning mobile app
Cons
- Savings interest rate is low
- Express Checking has a $5 per month fee that can't be waived
Why We Like Fifth Third Bank
First Third Bank is among the top banks because it offers holistic banking services that can help you take charge of your finances. From help transferring your direct deposit to checking and savings accounts that work together, this is a bank that grows with you.
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Silver Winner: KeyBank
With KeyBank, customers have access to over 40,000 ATMs as well as fee-free checking accounts. KeyBank also offers a range of financial products including savings accounts, money market accounts and CDs. Money market accounts can offer up to APY. The bank’s app is rated highly on Google Play and the Apple App Store.
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.
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Bronze Winner: U.S. Bank
U.S. Bank is the fifth-largest bank in the U.S. and it has several branches across 26 states. One of the highlights of U.S. Bank is its Bank Smartly Checking that requires only a $25 minimum opening deposit and provides automated savings tools and smart rewards. GOBankingRates also rated it as one of the top national banks in 2025. 
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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Best Banks
Best Checking Accounts
Best Savings Accounts
CD Account Rates
Best 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. 29, 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 Ohio
When choosing a bank in Ohio, start by thinking about your financial goals and which features matter most to you. Here are some points to consider:
- Local vs. national banks: Local banks often provide more personalized service, while national banks offer broader branch and ATM networks. Consider which is more important to your daily banking.
- Digital banking: If you prefer 24/7 account access, make sure the bank’s online platform and mobile app are user-friendly. Check mobile app ratings in the Apple App Store and Google Play before deciding.
- Branch and ATM access: Would you like access to ATMs to withdraw cash or check your balances? Or are you in need of in-person customer service? Branch access may be an important factor for you. 
- Fee structures and waivers: Review account requirements carefully. Some banks have no minimum balance, while others allow you to waive fees if certain conditions are met.
- Community involvement: Many top Ohio banks give back to their local communities. If this matters to you, explore how your bank supports regional businesses, nonprofits and local initiatives.
Final Take
Choosing the right bank in Ohio depends on what you determine is best for your financial needs. Do you want branch access? Are you comfortable with online banking? Do you want a checking account with minimum fees? Evaluate the questions you’re asking about your banking needs to make the choice that is the right fit for you. 
FAQs About Banking in Ohio
Here’s more information to help you find the best Ohio bank for your needs.- What is the best bank for high-yield savings in Ohio?
- U.S. Bank offers savings accounts with rates up to 3.00% APY, making it a strong choice for those seeking higher returns.
- Which banks have the most ATMs in Ohio?
- KeyBank and U.S. Bank both provide large ATM networks across Ohio.
- Are there any banks in Ohio with no monthly fees?
- Fifth Third Bank offers a fee-free checking account option.
More Resources for Banking
Best Banks
Best Checking Accounts
Best Savings Accounts
CD Account Rates
Best Money Market Accounts
See Best Banks Winners From All Categories
