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          银行业

          最好的国家银行2020年

          除了有更多的砖和砂浆的位置,大型金融机构提供的各种福利和服务,你可能无法在较小的银行找到的。

          这些大机构有分支机构那舒展到全国各地区,他们提供大量的在线和移动工具了。他们还提供财富管理和咨询服务。

          黄金:TD银行

          TD银行的礼貌

          • 为什么它赢得:您是否正在寻找一个基本的,低最低账户或一个适合学生,老年人还是旅客, TD银行 有你覆盖。  
          • 出色的帐户:超越检查带有福利的一个诱人的集合,它提供了三种方法来避免月租费。
          • 在哪儿:1200多个分支机构,15个州(和华盛顿哥伦比亚特区),一直延伸全国的东侧从缅因州到佛罗里达州。 (这里列出的条款和费率都是为客户在樱桃山,新泽西州)
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          Year after year, TD银行 tops our list of the best national banks. Along with a strong selection of deposit accounts, TD offers extra touches that make the 银行业 experience more inviting. Normally, most branches are open on Saturdays and Sundays and into the evening on weekdays, although hours have been reduced because of COVID-19 recently. The free lollipops and pens typically offered in the lobby may not appeal during a pandemic, but branches are putting out hand sanitizer and accommodating social distancing by offering virtual check-ins (allowing customers to wait in their cars until a bank representative is available) and installing plexiglass screens at teller stands 和 desks. 

          与TD的基本 便利支票帐户,你需要有$ 100,低门槛最低余额与许多其他大型银行到的避免$每月15费相比。对于那些年龄17至23日,便利账户是免费的,所以是简单的储蓄账户。

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          如果你能保持至少$ 2,500一个支票余额,您有至少5,000 $每月直接存款或您保持您的所有TD存款账户和贷款(不含信用卡)$ 25,000最低余额,扩大到 超越支票帐户. Perks include free standard checks, cashier's checks, money orders, stop payments, paper statements and transfers from a linked savings account to cover overdrafts. If you elect to have the bank pay overdrafts for you, you'll be reimbursed two overdraft fees ($35 each) per year, and you'll be refunded all fees for rush bill payments ($2 each) and one fee monthly for an outgoing domestic or international wire transfer ($30 和 $50 each, respectively). 

          Beyond Checking is a good choice for travelers, too: If you keep a $2,500 checking balance, you'll be reimbursed for withdrawal fees charged by operators of out-of-network ATMs—both in the U.S. and in foreign countries. Plus, TD charges no foreign-transaction fee to Beyond account holders who use their debit card abroad. TD also recently launched an online platform on which everyone (even noncustomers) can order more than 60 foreign currencies for pickup at bank locations, 和 some currencies are available for immediate exchange. 

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          基础的 简单的储蓄账户 最近取得了0.05%,并且您有多种方式,以避免$ 5美元的月费,一个是保持$ 300的最低余额。该 超越储蓄账户 rate ranges from 0.1% to 0.75%, depending on the balance, if you link it to an eligible TD active checking account or loan. Maintain a $20,000 minimum balance or link an eligible checking account (including Beyond Checking) to avoid a $15 monthly fee. 

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          对TD的支票帐户,对于那些60岁以上的,以及银行其他储蓄和财富管理选项的信息,请参阅 离退休人员最佳银行 优胜者。

          牌赢得银行的选择: 标识牌转载/电子印刷产品

          白银:PNC银行

          盖蒂图片社

          • 为什么它赢得:连 PNC“基本的支票帐户提供了一些额外补贴,而银行联系在了一起支票和储蓄与程序账户,帮助客户预算和保存。 
          • 出色的帐户:基本的虚拟钱包账户包带有ATM费补助(有一定的限制),并提供相对简单的方法,以避免月租费。
          • 在哪儿:约21个州2400个分支机构在美国中西部,南部和中部大西洋,加上华盛顿特区(这里列出的条款和费率都是客户在匹兹堡。)
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          如果你正在寻找一个大的机构,整合资金,管理工具到日常的银行,PNC是一个不错的去处。其 虚拟钱包计划,你会得到一个初级 “花”的支票帐户 对于大多数的交易,二级 “储备”的支票帐户 持有货币的短期目标,以及 “保增长”储蓄账户 for long-term goals. You can set up rules to have money automatically transferred from your Spend account to Reserve or Growth—say, each time you receive a paycheck. Other tools help you to see how much money you have left to spend after accounting for scheduled bills 和 to create budgets to track spending. If you open an account with PNC online, you're directed to the Virtual Wallet offerings. But to open a single checking account without the extras, you'll have to visit a branch. 

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          基础的 Virtual Wallet package waives the $7 monthly fee if you have a $500 average monthly minimum in your Spend and Reserve accounts or $500 in monthly direct deposits to Spend, and it's free for those 62 or older. Each month, the account reimburses up to two fees charged by PNC for using out-of-network ATMs 和 up to $5 in fees that other ATM operators charge to use their machines. The 性能支出性能选择 account packages through Virtual Wallet have bigger minimums to avoid monthly fees but offer more perks, such as higher ATM fee reimbursements, free cashier's checks and discounts on a safe-deposit box. College students can use a free Virtual Wallet account package, which comes with limited ATM fee reimbursements 和 a refund of the first overdraft or returned-item fee associated with the account. 

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          利率 PNC的储蓄账户 vary depending on the account package you have 和 whether you meet certain requirements. For example, with the Virtual Wallet With 性能选择 package, you'll get a rate of 0.1% to 0.35% (depending on the balance) on your Growth savings account if you have $5,000 in monthly direct deposits to your Spend account or use your PNC debit or credit card for purchases at least five times monthly. 固定利率CDS 需要$ 1,000最低存款,你可以用最近在13个月的促销CD $ 25,000存款赚取尽可能多的为0.35%。 

          PNC财富管理臂 包括退休,税收和其他个人财务规划;投资管理;而信任和房地产服务。财富管理客户可以获得一个个人银行顾问和其他金融专业人士。 

          铜牌:KeyBank银行银行

          KeyBank银行银行的礼貌

          • 为什么它赢得: KeyBank银行 涵盖了频谱,提供免费支票帐户,一个罕见的大型机构和账户为那些谁可以保持较大的余额广阔的选择中找到。 
          • 出色的账户:在无障碍的支票帐户有没有月租费。对于那些谁能够保持大的余额关联账户,权限选择检查是挤满了特殊待遇。
          • 在哪儿:超过1100家分支机构,在15个州,在东北洒,中西部和西部。 (条款和费率是客户在克利夫兰。)
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          不管什么大小您的银行帐户,您可能会发现与KeyBank银行银行一个合适的。该 无障碍支票帐户 lives up to its name—it charges no monthly fee and no overdraft or non-sufficient funds fees. Check-writing is not available, but you can use the bill-payment feature to send money to almost anyone you'd typically pay by check. If you want more benefits, choose among several other checking options, which require varying account minimums to waive the monthly fee. At the high end, you'll typically need a minimum $100,000 balance in KeyBank银行 deposit and investment accounts to avoid a $50 monthly fee, but you'll enjoy unlimited rebates of out-of-network ATM fees; free standard checks, cashier's checks and money orders; daily automatic sweeps of extra cash from checking into a savings account to maximize interest earnings; 和 access to financial-management services. 

          KeyBank银行银行的主动保护帐户 是免费的,如果你在银行开个人支票帐户,但产量只有区区0.01%。你可以得到一个货币市场存款账户更优惠的利率。该 黄金货币市场账户, for example, waives the $18 monthly fee and offers a 0.25% rate if you have a balance of $25,000 or more 和 an active personal checking account with the bank. Among CDs, the 14-month promotional CD recently yielded 0.25% on up to $500,000 ($10,000 minimum deposit) for those who use certain eligible checking accounts. KeyBank银行银行的私人银行,这需要100万$资产最低,优惠的投资和财务规划服务,并与超值优惠支票账户。

          牌赢得银行的选择: 标识牌转载/电子印刷产品

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