Best Banks in Ohio in 2024

PNC Bank is one of the largest banks in Ohio, with more than 200 branches statewide. It’s also the sixth-largest bank nationwide by deposits. It offers a wide range of bank accounts, credit cards, loans, and other services, making it a good option for someone looking to handle all their banking needs with a single financial institution. And, if you prefer in-person customer service, a branch is likely located near your home or work location.

Virtual Wallet is the main checking and savings product from PNC. It’s an online banking app that links your accounts via an intuitive interface. However, be aware that minimum balance requirements apply, or you’ll have to pay a hefty monthly fee. You’ll need a fairly high balance across PNC Bank accounts to get the best rates.

Types of accounts

• Checking.
• Savings.
• Credit cards.
• Home loans.
• Auto loans.
• Retirement.

Number of branches in Ohio

PNC has more than 200 branches in Ohio and 2,300 nationwide.

Chase is the largest bank in the U.S. and the fourth-largest bank in Ohio with more than 200 branches. If you’re looking for a one-stop shop for your money, Chase offers a wide range of banking and investment products. As with other large, traditional banks, interest rates leave something to be desired, and account fees can be high.

But Chase stands out for customer service and the number of national locations. It operates more than 4,700 branches and 15,000 in-network ATMs. It also offers business banking and one of the best credit card rewards programs around.

Types of accounts

• Checking.
• Savings.
• CDs.
• Credit cards.
• Home loans.
• Auto loans.
• Investments.
• Business banking.

Number of branches in Ohio

Chase has more than 200 branches in Ohio.

If you don’t need to visit a bank branch and don’t require in-person customer service, SoFi is a top choice. This major online bank offers checking, savings, credit cards, investments, and borrowing products—making it easy to manage all of your finances with a single login and mobile banking app. The high-yield savings account has low fees, making it a top choice for many households. However, you must set up direct deposit to your SoFi account to get the best interest rates.

The big drawback is that you can’t visit a bank branch in person. If you regularly get paid in cash, as is common for restaurant servers and valet parking attendants, you may struggle with a lack of options to deposit cash. Otherwise, SoFi offers many fee-free ATMs and a combination of accounts that’s tough to beat.

1. Up to $300 Bonus Tiered Disclosure New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.00% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/3/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
2. APY disclosures: SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 12/3/24. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.

Types of accounts

• Checking.
• Savings.
• Credit card.
• Investments.
• Student loans.
• Personal loans.
• Mortgages.

Number of branches in Ohio

SoFi is an online bank, so there are no branches in Ohio.

Chime is not a bank but an online fintech offering simple checking, savings, and credit card accounts. Chime is noteworthy for having almost no fees. The only exception is a $2.50 out-of-network ATM fee. While you can’t visit a branch in person, Chime offers a network of more than 60,000 fee-free ATMs nationwide. You can also deposit cash at Walgreens stores for free.

If you are new to credit or looking to rebuild your credit, the Chime Visa is a secured credit card with no annual fee or interest charges. It doesn’t offer as many types of accounts as other banks on this list, but it’s a top choice for anyone looking to avoid fees while managing their money.

Types of accounts

• Checking.
• Savings.
• Secured credit card.

Number of branches in Ohio

Chime is an online financial technology company offering banking products and does not have physical branches in Ohio.

U.S. Bank is the fifth largest bank in the United States, with over 2,300 branches. In Ohio, the bank is one of the biggest, with more than 170 branches. It offers an array of banking, borrowing, and investing services. Among the banks we reviewed, U.S. Bank features the most extensive lending programs, including credit cards, personal loans, personal lines of credit, auto loans, and home loans.

It’s also a good choice when traveling around the U.S., as it has physical branch locations in about half of the states. Customers can also make free withdrawals from U.S. Bank and MoneyPass ATMs. However, take note of potentially high fees when using out-of-network ATMs. Like other large, traditional banks, interest rates and fees are not as competitive as those of many online banks.

Types of accounts

• Checking.
• Savings.
• CDs.
• Money market savings.
• Credit cards.
• Investing.
• Personal loans.
• Auto loans.
• Home loans.

Number of branches in Ohio

U.S. Bank has more than 170 branches in Ohio.