We analyze the top bank accounts in the nation to uncover which have the best earnings and benefits at the lowest fees. Learn more about our methodology here. Bank awards methodology | Previous Award Winners

1. Best National Bank Offering Top Credit Cards

Chase Bank

B MyBankTracker Rating

More than 5,300 branches and 15,000 ATMs. Financially Strong. Focused on innovation.

Chase Bank is the big winner in the best national bank category for the 5th quarter in a row. Chase continues to stand out because of its full range of deposit accounts, lucrative credit cards, and extensive financial services and investment offerings. The Chase Sapphire Reserve credit card is arguably the most popular travel rewards credit card right now. When it comes to convenience, Chase has a large branch and ATM network, highly rated customer service, and an intuitive mobile app. Recently, Chase also introduced a new program that offers free credit scores to anyone.

  • Earn

    Generous sign-up bonuses on Chase checking and savings accounts

    Earn large amounts of rewards with Chase credit cards

  • Fees

    Free access to 5,300 Chase branches and 15,000 ATMs

  • Benefits

    Free access to credit scores

    Chase QuickPay allows you to send money to friends with ease

    Mobile app available on the Apple App Store and Google Play

2. Best National Bank for Convenient Branch Access

TD Bank

C+ MyBankTracker Rating

Extended business for convenient branch access.

TD Bank stands out of the crowd for their extended branch hours -- allowing more customers to visit a branch for banking needs outside of typical business hours. Many branches are open during weekends. They’re even open on some major U.S. holidays. Also, TD Bank offers a basic checking account that requires a low $100 minimum balance to avoid the monthly fee. Many of its other checking accounts will waive and refund out-of-network ATM fees. Recently, the bank started offering attractive sign-up bonuses on its checking accounts and credit cards.

  • Earn

    Periodic sign-up bonus promotions for checking accounts

  • Fees

    TD Convenience checking account has a low $100 minimum balance

    Multiple checking accounts will refund ATM fees

  • Benefits

    Branches open for longer business hours, on weekends, and on some major holidays

    Mobile app available on the Apple App Store and Google Play

3. Best National Bank for Money Management

PNC Bank

B+ MyBankTracker Rating

Strong bank that emphasizes smarter money management

PNC Bank is a strong national bank that offers “Virtual Wallet” accounts for a smarter way to manage money. You can divide your account into separate funds for spending, saving, and growing. This allows you to plan how you use your money and save for financial goals. Even better, the account doesn’t have a monthly fee. If you don’t make withdrawals and transfers at a branch, your monthly fee is waived. With PNC’s strong online and mobile options, this is shouldn’t be a problem.

  • Earn

    Earn a sizable bonus when you sign up for a Virtual Wallet account.

    PNC Purchase Payback offers you cash rewards for your spending.

  • Fees

    The Virtual Wallet account is very easy to have monthly fee waived.

  • Benefits

    Popmoney allows you to send money to friends with ease.

    PNC Virtual Wallet offers separate account categories and useful money management tools.

    Mobile app available on the Apple App Store, Google Play, and for your Blackberry or Amazon.

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