Banking by State: Regulators, Deposit Insurance and Who to Contact
A bank is supervised by a regulator, and which one depends on its charter rather than on where you live. This directory lists all 50 states and the District of Columbia, and every entry names the state banking regulator you would deal with, the FDIC deposit insurance limit that applies, and the route to complain if something goes wrong. The federal deposit limit does not change from state to state; the regulator does.
Northeast
- Commercial Banks in New YorkNew York State Department of Financial Services
- Banks in PennsylvaniaPennsylvania Department of Banking and Securities
- Banks in New JerseyNew Jersey Department of Banking and Insurance
- Banks in ConnecticutConnecticut Department of Financial Services
- Banks in MassachusettsMassachusetts Department of Financial Services
- Banks in Rhode IslandRhode Island Department of Business Regulation
- Banks in VermontVermont Department of Financial Regulation
- Banks in New HampshireNew Hampshire Banking Department
- Banks in MaineMaine Department of Professional and Financial Regulation
Southeast
- Banks in FloridaFlorida Office of Financial Regulation
- Banks in GeorgiaGeorgia Department of Banking and Finance
- Banks in North CarolinaNorth Carolina Department of Financial Regulation
- Banks in South CarolinaSouth Carolina Department of Financial Services
- Banks in VirginiaVirginia Bureau of Financial Services
- Banks in West VirginiaWest Virginia Division of Financial Institutions
- Banks in MarylandMaryland Office of Financial Regulation
- Banks in DelawareDelaware Office of the State Bank Commissioner
- Banks in District of ColumbiaDistrict of Columbia Department of Licensing and Consumer Protection
Midwest
- Banks in OhioOhio Department of Commerce, Division of Financial Institutions
- Banks in MichiganMichigan Department of Financial Services
- Banks in IndianaIndiana Department of Financial Institutions
- Banks in IllinoisIllinois Department of Financial and Professional Regulation
- Banks in WisconsinWisconsin Department of Financial Institutions
- Banks in MinnesotaMinnesota Department of Commerce, Financial Institutions Division
- Banks in IowaIowa Department of Financial Services
- Banks in MissouriMissouri Division of Finance
- Banks in North DakotaNorth Dakota Department of Financial Services
- Banks in South DakotaSouth Dakota Division of Banking
- Banks in NebraskaNebraska Department of Banking and Finance
- Banks in KansasKansas Office of the State Bank Commissioner
South Central
- Banks in TexasTexas Department of Banking and Finance
- Banks in OklahomaOklahoma Department of Banking
- Banks in ArkansasArkansas Department of Finance, Banking and Insurance
- Banks in LouisianaLouisiana Department of Financial Services
- Banks in MississippiMississippi Department of Banking and Consumer Finance
- Banks in AlabamaAlabama Department of Financial Services
- Banks in KentuckyKentucky Department of Financial Services
- Banks in TennesseeTennessee Department of Financial Services
Mountain
- Banks in MontanaMontana Department of Banking and Financial Institutions
- Banks in IdahoIdaho Department of Financial Regulation
- Banks in WyomingWyoming Department of Financial Services
- Banks in UtahUtah Department of Financial Services
- Banks in ColoradoColorado Division of Banking
- Banks in New MexicoNew Mexico Regulation and Licensing Department
- Banks in ArizonaArizona Department of Financial Institutions
- Banks in NevadaNevada Division of Financial Institutions
Pacific
- Banks in CaliforniaCalifornia Department of Financial Protection and Innovation
- Banks in OregonOregon Department of Consumer and Business Services
- Banks in WashingtonWashington State Department of Financial Institutions
- Banks in AlaskaAlaska Department of Commerce, Community and Economic Development
- Banks in HawaiiHawaii Department of Financial Institutions
Common questions
Which state regulator should I contact?
Each state page names its own state banking regulator, because the answer changes with the charter of the bank you are dealing with. A national charter is supervised by the OCC, a state charter by the regulator in your own state, and a credit union by the National Credit Union Administration.
Is the FDIC deposit insurance limit the same in every state?
Yes. The FDIC limit is a federal figure and does not vary by state, so the 250,000 dollar figure shown on each state page is the same everywhere. What does vary by state is the regulator you would complain to if something went wrong.
Do I have to open an account in the state I live in?
Usually not. Most banks open accounts nationally online, and the state pages here cover the regulator and the local detail rather than a residency requirement.
How is this directory kept accurate?
Regulator names are taken from the regulator's own published material. The editorial standard we hold ourselves to, and how we handle a correction, are both written down and linked at the foot of this page.
How this directory is put together
Each state page follows one standard: the state banking regulator, the deposit insurance ceiling, and what to check before opening an account. We do not rank banks against each other, because a ranking would depend entirely on what you need from an account rather than on anything measurable. Where a state page does describe particular banks, it says what the bank is known for rather than claiming it is best. The wider directory is at US banking, and the international coverage is under banking by country.