The top national US banks have locations throughout the country. They provide customers with access to a wide variety of automated teller machine (ATM) networks in addition to other benefits, such as generous sign-up incentives and competitive interest rates.
While others can only be purchased through their respective websites, some can be found in traditional storefronts. You can also have your bank account as a foreigner in these banks if you get your US visa for Lithuanian citizens.
Check this guide on how to open a US bank account as a foreigner. Here is a list of some best American banks and their plus points. Check it out:
Bank of America
The accessibility and communication channels provided by Bank of America are among the best in the industry, but the interest rates offered by this institution, along with those offered by other large banks with physical locations, are quite low.
A robust network of branch locations and automated teller machines (ATMs) The bank has around 4,100 branches located in approximately 35 states and Washington, District of Columbia.
Customer service is easy to get in touch with because the call center is open from 8 a.m. to 11 p.m. Eastern time on weekdays and from 8 a.m. to 8 p.m. on weekends.
The customer care that Bank of America provides through its Twitter account @BofA_Help, is prompt. Additionally, online chat support and virtual financial advice within the app are both available.
Checking accounts, certificates of deposit, and savings accounts all have very low-interest rates and very little interest accrues on those accounts.
Fees can be avoided by engaging in qualifying activities such as making direct deposits or maintaining a minimum balance, both of which are examples. You can easily avoid the fees if you don’t use a debit card.
Chase Bank
The sign-up bonus for Chase bank’s checking accounts is far higher than those offered by other major financial institutions. Chase bank’s branches and ATMs are available all throughout the United States.
The interest rate on checking and savings accounts is very low, but the accounts come with monthly fees that can be avoided with relatively little effort.
Become a new customer at the bank one of the banks several times throughout the year and you could win a bonus. Right now, opening a new checking account can earn you an extra two hundred dollars (this offer will be valid through October 19th, 2022).
You can steer clear of having to pay monthly fees for your Chase checking account by making use of direct deposits, keeping a minimum daily account balance, or keeping a certain amount of money that has been transferred between related Chase accounts. All of these options are available to you.
Reduced rates: annual percentage yields (APYs) for savings products are extremely low. Numerous branch locations and automated teller machine locations: Chase possesses more than 4,700 branches in 45 states and more than 16,000 ATMs.
Discover Bank
Discover is an online bank that offers a checking account with rewards as well as savings accounts and certificates of deposit that offer competitive returns.
Checking accounts come with perks, such as the opportunity to earn 1 percent cash back on up to $3,000 worth of purchases made with a qualified debit card each month.
The annual percentage yields (APYs) on Discover Savings accounts and certificates of deposit are among the highest available in the industry.
Access to 60,000 free ATMs across the country is part of our robust ATM network. If you want to open your bank account in Discover bank as a Luxembourg citizen, you should get your US visa for Luxembourg citizens.
Fee-free: There are no minimum deposit requirements and no monthly maintenance fees associated with checking or savings accounts.
Alliant Credit Union
Access to Alliant’s services is available across the country, and the company provides bank accounts with extremely low-interest rates and no monthly maintenance fees.
Cooperative financial institution accessible online, with a large number of ATMs: Alliant features a network of over 80,000 fee-free ATMs, in addition to having an easy sign-up process and being available online.
The annual percentage yields (APYs) offered on deposit accounts are high and comparable to those offered by other online banks.
There is no necessity for a minimum balance to be maintained in a checking account, and monthly maintenance costs are simple to sidestep. In addition, checking accounts do not impose any kind of minimum balance requirement.
Ally Bank
Ally does not have any physical locations for its branches; nevertheless, the company does offer round-the-clock customer service, as well as competitive interest rates and cost structures.
The Ally Bank is an online-only bank, but it provides a robust countrywide ATM network with over 43,000 locations, so you can access your cash whenever and wherever you need it.
Customer care is available around the clock, and you can speak to a real person at any time by calling in. There are no monthly fees associated with checking or savings accounts. Neither type of account has a monthly maintenance cost.
The interest rates offered by savings accounts and certificates of deposit are comparable to one another and are both quite high.
This is Kyle Thomas, a professional writer, and a news editor. I started my career as a blogger who writes on various topics and then I decided that I should join a NEWS agency where I can work as a NEWS reporter. So, I joined a renowned agency in the town as an internet and after getting 2 years of experience, now I am working as a senior NEWS reporter for The Daily NEWS Times.
