The Best Regional Banks Throughout the West North Central States

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The many banks and credit unions found throughout the sprawling, but sparsely populated, West North Central region are scattered across seven states: North Dakota, South Dakota, Iowa, Minnesota, Missouri, Kansas and Nebraska. There’s truly something for everybody, too.

See: GOBankingRates’ Best Checking Accounts
Check Out: Best Online Banks of 2022

In terms of size, the 10 best among them run the gamut from franchises with 25 branches to juggernauts with more than 5,000. Also, GreenState Credit Union is unique only to this region and not found anywhere else in the U.S.

To identify the top financial institutions in the West North Central states, GOBankingRates examined the number of branch locations, checking fees, savings APY and 12-month CD APY — all of which are outlined below — as well as each bank’s total assets. Another element that factored into the rankings was whether or not 24/7 customer service is available and if customers can live chat with a human being instead of with an auto-chat bot. Finally, the study considered other products offered — including auto loans, mortgages, credit cards, investment services and insurance —  along with the rating each bank’s app holds in the Apple and Android stores.

A Better Way to Bank

Here’s where you might consider keeping your money if you live in the West North Central region.

JP Morgan Chase

  • Branch locations: 4,960
  • Checking fee: $12
  • Savings APY: 0.01%
  • 12-month CD APY: 0.02%

Read more about this financial institution in our full review about it.

Get Going: 6 Steps You Should Take To Increase Your Financial Confidence

Navy Federal Credit Union

  • Branch locations: 298
  • Checking fee: $0
  • Savings APY: 0.25%
  • 12-month CD APY: 0.55%

Read more about this financial institution in our full review about it.

Bank of America

  • Branch locations: 4,215
  • Checking fee: $12
  • Savings APY: 0.01%
  • 12-month CD APY: 0.03%

Read more about this financial institution in our full review about it.

Stay in the Know: Read More From the Financially Savvy Female

Wells Fargo

  • Branch locations: 5,024
  • Checking fee: $10
  • Savings APY: 0.01%
  • 12-month CD APY: 0.01%

Read more about this financial institution in our full review about it.

Wings Financial

  • Branch locations: 31
  • Checking fee: $0
  • Savings APY: 0.15%
  • 12-month CD APY: 0.45%

Read more about this financial institution in our full review about it.

More Tips: Simple, Effective Ways To Set Yourself Up for a Financially Secure Future

A Better Way to Bank

GreenState Credit Union

  • Branch locations: 25
  • Checking fee: $0
  • Savings APY: 0.05%
  • 12-month CD APY: 0.30%

Read more about this financial institution in our full review about it.

U.S. Bank

  • Branch locations: 2,319
  • Checking fee: $6.95
  • Savings APY: 0.01%
  • 12-month CD APY: 0.05%

Read more about this financial institution in our full review about it.

BMO Harris

  • Branch locations: 552
  • Checking fee: $0
  • Savings APY: 0.01%
  • 12-month CD APY: 0.05%

Read more about this financial institution in our full review about it.

See: 17 Surprising Ways Penny-Pinching Costs You More

PNC Bank

  • Branch locations: 2,150
  • Checking fee: $7
  • Savings APY: 0.01%
  • 12-month CD APY: 0.02%

Read more about this financial institution in our full review about it.

First Citizens Bank

  • Branch locations: 536
  • Checking fee: $0
  • Savings APY: 0.03%
  • 12-month CD APY: 0.01%

Read more about this financial institution in our full review about it.

More From GOBankingRates

A Better Way to Bank

Methodology: To discover the Top 100 Best Banks, GOBankingRates looked at all institutions with available published data (National, Regional, Local, and Online) from the 2021 Best Banks categories as well as all Credit Unions with over $1 billion in total assets and accessible to a wide audience. GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC and NCUA; (2) number of branch locations as sourced from the FDIC and NCUA; (3) checking account annual fee; (4) savings account APY rate; (5) 12-month CD APY rate; (6) customer service products offered (24/7 customer service and live chat with a human); (7) Bauer rating (out of 5 stars); (8) products/services offered (auto loans, mortgage loans, credit cards, investment services, and insurance); and (9) the average mobile app rating between the android and apple stores. All factors were then scored and combined, with the lowest score being best. Factors (1) and (4) were weighted 1.5 times in final scoring, factor (2) was weighted 2 times, factor (6) was weighted 0.5 times, and factor (8) was weighted 2.5 times. For all Savings and Checking Account data only the basic accounts/products offered at each institution was analyzed. All data is up to date as of 12/8/21, rates and fees subject to change.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

About the Author

Andrew Lisa has been writing professionally since 2001. An award-winning writer, Andrew was formerly one of the youngest nationally distributed columnists for the largest newspaper syndicate in the country, the Gannett News Service. He worked as the business section editor for amNewYork, the most widely distributed newspaper in Manhattan, and worked as a copy editor for TheStreet.com, a financial publication in the heart of Wall Street's investment community in New York City.

Best Bank Accounts of May 2022

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