Bank of America, Chase, PNC, U.S. Bank, and Wells Fargo are 20-state national banks.

Our Best National Bank Pros: – Low checking fee – Wide range of products offered – 0.05% APY for 12-month CD – High rates on CD Specials – Flexible options on CDs Cons: – Not as many locations as other national banks

JPMorgan Chase Bank Pros: – Nearly 4,700 locations – Wide range of products offered – Easy-to-schedule live or phone appointments with bankers Cons: – $12 checking fee – Low APYs

Wells Fargo Bank Pros: – More than 7,200 locations – Wide range of products offered – Excellent mobile app reviews Cons: – Low 12-month CD APY – No higher-yield savings options

Bank of America Pros: – Great mobile app reviews – Wide range of products offered – Tiered rates for Preferred Rewards members Cons: – $12 checking fee – $8 savings account fee

PNC Bank Pros: – Low checking fee – Wide range of products offered – 0.03% APY for 12-month CD Cons: – Not as many locations as other national banks

How To Choose a National Bank Check the APY Check Out the Website and App FDIC Insurance

Many customers have questions about national banks' operations and differences.