List Of Local Bank In Usa – Written by Matthew Goldberg Written by Matthew GoldbergArrow Consumer Banking Reporter Matthew Goldberg is a consumer banking reporter at . Matthew has been in financial services for more than ten years, in banking and insurance. Connect with Matthew Goldberg on Twitter Twitter Connect with Matthew Goldberg on LinkedIn Linkedin Get in touch with Matthew Goldberg via Email Email Matthew Goldberg
Edited by David Schepp Edited by David ScheppArrow Right Editor David Schepp is the content editor for, focusing on deposits and consumer banking content. Connect with David Schepp on Twitter Twitter David Schepp
List Of Local Bank In Usa
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Savings with one of the most popular banks can mean having access to more locations and better digital features than in other banks. You can have access to a versatile app with mobile check deposit and other time-saving features. Or you may appreciate the convenience of visiting a branch as you travel around when you may need it most. So it can be valuable to see if your bank is among the most popular.
Mobile apps and online banking have given many customers less reason to visit a branch, contributing to a decline in the total number of bank branches in the US.
However, the number of branches in the US has decreased slightly, according to a data analysis of the Federal Deposit Insurance Corp. (FDIC) data from June 30, 2021 to June 9, 2022.
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Chase has 4,911 branches and main offices while Wells Fargo is next with 4,824 branches and main offices, according to FDIC data. About 12 percent of the more than 81,000 branches in the US are either Chase or Wells Fargo branches.
But as reported in a September 2020 article about the most popular banks in each state, Wells Fargo is on pace to fall behind Chase as the No. 1 operator. 1 of the bank branches.
The bank can be popular for several reasons, including how much it depends on the branches, where it is located in the company or where it intends to expand.
For example, back in 2019, Chase announced plans to open branches in nine states as part of a broader expansion:
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Chase continues its expansion plans, growing the list of states where it has branches to include the 48 contiguous states and the District of Columbia, after the August 2021 opening of a branch in Billings, Montana.
Another factor that can play into a bank’s popularity is where it is located in the industry or where it is most focused. For example, Pittsburgh-based PNC Bank has the most branches in one state – Pennsylvania – with 303. Chase, meanwhile, with 51 branches in the Keystone State is less than a fifth of PNC. However, the figure represents rapid expansion for Chase, which has only three branches in Pennsylvania in 2019.
Chase does not have any locations in Arkansas, Iowa, Montana, North Dakota or South Dakota as of June 30, 2021. It currently has five Arkansas locations, two in Iowa, three in Montana, three in North Dakota and three in South Dakota.
Chase and Wells Fargo are well-known brands and have the most branches in the U.S. And they are also the most popular bank in nearly a third of the 50 states.
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Chase now has the most locations in the US and the most branches in seven states. But Wells Fargo has the most branches in eight states and Washington, D.C.
Five states have a different popular bank, comparing 2022 data to a year ago. Bank mergers are the reason for most of the changes, but consolidation and branch closings are also reasons for changes in state positions.
Some experts predict bank branches heading for bankruptcy. Indeed, a consistent net loss of positions has been employed by financial institutions for the past several years. Since there are few banking transactions, there are also scammers.
Online banks such as Ally Bank have grown without any physical locations for customers to transact business. Other industry players have launched online-only categories such as Citizen Access, Marcus by Goldman Sachs and Elite Direct from Elite Banking.
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Online banking customers cash checks by taking a picture, withdraw money at ATMs and open new accounts from their phone or computer. And without having to pay to operate physical locations, online banks are often able to offer higher interest rates and lower fees on deposit accounts than their traditional competitors.
“Online-only financing is certainly feasible most of the time for most consumers,” says Greg McBride, CFA, financial analyst. “But the occasional need for a safe deposit box, signature guarantee, cash check or making a large deposit is much easier if you have access to a local branch.”
You can have accounts with online-only and traditional financial institutions and transfer funds easily between the two, McBride said.
“Different consumers value different attributes,” he said. “Aspects such as a large branch network, national or regional presence, large product lineup, and convenience will carry different levels of importance depending on individual needs and circumstances.”
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Wells Fargo and Chase are certainly trying to create seamless omnichannel experiences by balancing their large brick-and-mortar presences with growing suites of digital offerings.
Although both financial institutions consolidated their positions in recent years, Wells Fargo is shrinking at a faster pace than its closest competitor.
Bank branches continue to shrink over time. Bank mergers and acquisitions and consolidation of bank branches are some of the main reasons for this. Also, more customers are able to complete transactions online or on a mobile app these days. And in some cases, people have some accounts with online banks that do not have branches.
Andrew Hovet, director of distribution and sales operations at data-analytics provider Curinos said his company expects prices to continue due to wage pressure and a reduction in payroll and insufficient revenue.
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“CFOs will be looking to hit earnings somehow,” Hovet said. “We had
