Banks in North Carolina

One of the largest banks in the United States by assets, headquartered in Charlotte, North Carolina. The bank covers consumer and small-business banking, mortgage lending, wealth management through Merrill, and corporate and investment banking. It operates a nationwide branch network and one of the largest US mobile banking platforms. It holds a national charter supervised by the OCC and is FDIC insured.

The consumer and commercial banking division of JPMorgan Chase, headquartered in New York City. Chase runs one of the widest branch networks in the country and offers current accounts, savings, credit cards, mortgages and business banking under one brand. It is the largest US bank by assets, holds a national charter supervised by the OCC, and is FDIC insured.

One of the largest banks in the United States by assets, headquartered in Charlotte, North Carolina. The bank covers consumer and small-business banking, mortgage lending, wealth management through Merrill, and corporate and investment banking. It operates a nationwide branch network and one of the largest US mobile banking platforms. It holds a national charter supervised by the OCC and is FDIC insured.

One of the largest US banks by assets, headquartered in San Francisco, California. Wells Fargo is one of the few American banks with a genuinely coast-to-coast branch network, and combines consumer banking, mortgages, auto lending, wealth management and commercial banking. It has operated under regulatory consent orders since 2016. It holds a national charter supervised by the OCC and is FDIC insured.

The consumer banking arm of Citigroup, headquartered in New York City. Unlike the other national banks, Citibank concentrates its US retail branches in a limited number of metropolitan areas, while its parent operates a much broader institutional and cross-border banking franchise. It holds a national bank charter supervised by the OCC and is FDIC insured.

A US bank holding company headquartered in McLean, Virginia, best known for credit cards and consumer lending. Capital One runs a smaller branch network than the traditional national banks and has built its model around data-driven underwriting and digital servicing. It also operates a sizeable auto lending business. It holds a national bank charter supervised by the OCC and is FDIC insured.

A US financial technology company, not a bank. Because Chime is not chartered, protection depends on the partner bank, and that distinction matters when comparing it with a chartered digital bank. Chime is headquartered in San Francisco and provides current accounts and a secured credit-building card through partner institutions — historically The Bancorp Bank and Stride Bank — which hold the deposits and provide FDIC insurance.

A US digital financial services company headquartered in San Francisco. SoFi began in student loan refinancing and now offers current accounts, savings, personal loans, investing and brokerage within one app. Its banking subsidiary, SoFi Bank, holds a national bank charter granted in 2022 and is FDIC insured, which lets it take deposits directly rather than routing them through a partner.

The online-only banking subsidiary of Ally Financial, headquartered in Sandy, Utah, with its parent based in Detroit. It is best known for competitive high-yield savings accounts and for charging no monthly maintenance fees on its main accounts. Ally Bank holds a US bank charter and is FDIC insured, but runs no branches — deposits and servicing are handled online, by app and by telephone.

A US consumer bank headquartered in Greenwood, Delaware, historically best known for its credit card franchise and for pioneering cash-back rewards. Discover Bank is FDIC insured. The business was acquired by Capital One in 2025, so its branding and product line are in the process of being folded into the larger group. It offers online savings accounts, certificates of deposit and personal loans with no branch network.

A US digital bank headquartered in San Francisco. It offers a fee-light current account and savings product, with no branch network and no minimum balance requirement. The charter means Varo takes deposits directly rather than relying on a partner bank. Varo Bank received a national bank charter in 2020, becoming the first US consumer fintech to obtain one, and deposits are FDIC insured.