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Best National Banks for Your Money

GOBankingRates Logo By Ann Logue of GOBankingRates | Slide 1 of 6: Crucial to GOBankingRates’ comprehensive analysis of the Best Banks of 2021 are national banks. A  national bank is a commercial bank that is a member of the Federal Reserve System and that has locations across the country. Good national banks typically offer a broader range of financial services than local or regional banks. On top of quality customer service, the top national banks also offer lower fees, higher interest rates and access to physical branches in the majority of states. National banks are one-stop shops for many customers, particularly for those with higher-level financial planning needs, such as estate planning and wealth management, or for those who need both business and personal accounts. See: These Are the Best Banks of 2021 – Did Yours Make the Cut? Find: 90% of Americans Say They’re Happy with Their Bank – But Most Could Get Better Rates and Lower Fees To determine the Best National Banks of 2021, GOBankingRates evaluated national banks using a methodology focused on the following criteria:  Checking account fee Savings account annual percentage yield 12-month CD APY BauerFinancial Star Rating for overall financial strength  Further consideration was given as to whether or not banks offered the following services: auto loans, mortgage loans, credit cards, investment services and insurance services. Accessibility also was considered, including customer service and live chat capability. To qualify for the national bank list, a bank had to have a presence in at least 20 states. Here’s a quick look at GOBankingRates’ list of the Best National Banks of 2021.

Crucial to GOBankingRates’ comprehensive analysis of the Best Banks of 2021 are national banks. A  national bank is a commercial bank that is a member of the Federal Reserve System and that has locations across the country. Good national banks typically offer a broader range of financial services than local or regional banks. On top of quality customer service, the top national banks also offer lower fees, higher interest rates and access to physical branches in the majority of states. National banks are one-stop shops for many customers, particularly for those with higher-level financial planning needs, such as estate planning and wealth management, or for those who need both business and personal accounts.

See: These Are the Best Banks of 2021 – Did Yours Make the Cut?
Find: 90% of Americans Say They’re Happy with Their Bank – But Most Could Get Better Rates and Lower Fees

To determine the Best National Banks of 2021, GOBankingRates evaluated national banks using a methodology focused on the following criteria:

  • Checking account fee
  • Savings account annual percentage yield
  • 12-month CD APY
  • BauerFinancial Star Rating for overall financial strength

Further consideration was given as to whether or not banks offered the following services: auto loans, mortgage loans, credit cards, investment services and insurance services. Accessibility also was considered, including customer service and live chat capability. To qualify for the national bank list, a bank had to have a presence in at least 20 states.

Here’s a quick look at GOBankingRates’ list of the Best National Banks of 2021.

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