Next, we will show you a list of the best banks to open an account online in the U.S. Currently, large conventional banking entities have this option enabled for some of their products. It is very normal to see current accounts or “checking accounts” with this facility.
Due to the pandemic and its consequent mobility restrictions, banks streamlined the conditions for processing accounts and financial products online.
Top 10 US banks to open an account online
Besides conventional banking, It exists also large digital banks that offer this feature. We will see both benches in the following list. let’s start.
1. Chase Bank
Chase Bank considers one of the largest banks in the country, with more than 4,700 branches and 16,000 ATMs all over the United States. Their most popular account is Chase Total Checking, with very low monthly fees and the option to enable the Zelle platform.
You can open it online through its official site. And though the institution gives one of the lowest rates in the market, it is attractive because they enable registration bonuses for new clients and for opening new products.
2. Bank of America
Bank of America is another giant in the financial sector of the country. With its 4,600 branches and almost 16,000 ATMs, it is among the most active banks in America.
It is also called BOFA and enabled online account opening with a Bank of America Advantage Banking checking account through its official portal. Maintenance fees are very low, they can even be “0” under certain conditions.
3. Wells Fargo
Wells Fargo is an international consortium with a presence in more than 35 countries. In the American country, they have around 8,000 branches and more than 13,000 authorized ATMs. It is among the 5 largest banks in the country.
Wells Fargo has an “Everyday Checking” checking account available to the public that you can quickly activate online through its website and Wells Fargo Online banking.
4. CitiBank
CitiBank belongs to the international conglomerate Citigroup with a worldwide presence through its subsidiaries. CitiBank has more than 1,000 branches in the United States and nearly 4,000 worldwide.
This bank offers the facility to open checking accounts with or without a checkbook completely online, through its internet banking. You just must meet the prerequisites and fill in the fields of the platform subscription form.
5. PNC Bank
PNC Bank belongs to PNC Financial Services Group, a consortium of financial and insurance companies headquartered in Pittsburgh. This bank has more than 2,400 branches with 9,000 ATMs available in 21 states in the nation.
With PNC Bank one can activate an online checking account known as “Personal Banking Checking”, all through its official website or its app.
6. Ally Bank
Ally Bank is not a conventional bank like the ones on this list so far. It is a digital bank that gives you excellent service, as well as very robust financial savings and investment products. With Ally Bank you can have:
- savings accounts,
- checking accounts,
- and even deposit certificates, all online.
You can do it through its platform or the application. One of its great advantages is that its products do not have maintenance charges, in addition to offering a network of 43,000 ATMs.
7. Discover Bank
Another great digital bank is Discover Bank. It offers many products in which its credit cards stand out. It also presents checking and savings accounts, certificates of deposit, and even loans.
You can order any of the products, including accounts, from their official website. As well as offering zero maintenance fees, this bank has a network of 60,000 ATMs available to its clients.
Discover Bank also gives rewards for consumption, through your debit card, through rebates for purchases.
8. Capital One
Capital One is a mixture of traditional banking and internet banking since it has branches in more than 10 states, but most of its activity is online. It proposes great customer service, as well as products such as savings accounts, checking accounts, and certificates of deposit.
You can open any of these accounts through their digital platform or their dedicated app. As a customer of this bank, you will have a network of 40,000 ATMs available nationwide. Capital One has no maintenance fees and only charges a flat fee for overdrafts.
9. U.S.Bank
U.S.Bank is another of the large traditional banks in the United States, with a strong presence on the west coast of the nation. It has more than 3,000 branches and a network of more than 5,000 ATMs.
This bank makes it easy to open a “Safe Debit” account completely online. It is a checking account without a checkbook, which has great freedom of movement and a debit card. The account opening does through their website.
10. Chime
Chime is one of the youngest banks in the market, established in 2013. It is a digital bank that lets open savings and checking accounts completely online, under certain conditions and requests. It has an ATM network of more than 38,000 units available to its customers.
Which is the best US bank to open an account online?
The best bank to open an account online is the one that gives you ease to carry out the process, the best-associated services, and the commissions are low or zero.
Most of the banking entities shown here have these characteristics, you just must select the one that best suits your requirements.
