When someone thinks about finances, a safe and secure place to store money, liquidity, economic stability, investment and loans, a name that comes first in everyone's mind is "bank."

It provides easy access to your money and acts as an intermediary between savers and borrowers. Most of the banks, basically, community banks, charge nominal fees, making banking affordable. Overall, banks offer a variety of benefits enhancing your financial management and long-term financial security.

Here's the list of the top 5 largest banks in the USA that can be a safe and secure place for your finances

5.PNC Bank

Virtual tour

PNC is a public bank that provides financial services and operates in 27 states and its District of Colombia. It was founded in 1845 and has its headquarters in Pittsburgh, Pennsylvania.

It currently ranks as one of the largest banks in the US by assets and branches. It is known for its extensive range of services, strategic acquisitions and commitment to innovation.

It provides many services such as credit cards, loans, checking and savings accounts and investment options. The virtual wallet provided by the PNC Bank helps its clients manage their spending, budgeting and saving effectively in a single place.

It also alerts its clients when their balance is low and provides them with several options to manage their expenses.

There are many options by which clients can earn different types of rewards such as by setting up qualifying direct deposits into their accounts. A reward of $400 is added for opening a virtual wallet with performance select and $200 is rewarded for a virtual wallet with performance spend.

Customers can also access their money without any fee at ATMs. The bank also provides digital banking options. "Zelle" lets clients send and receive money quickly and securely.

The bank offers excellent customer support to its clients through online chat options, phone support and in-branch assistance.

4.Wells Fargo

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Headquartered in Sioux Falls, South Dakota, Wells Fargo is a public multinational financial services providing company. It was founded in 1929 by Henry Wells William Fargo. Steven Black is the chairman and Charles Scharf is the president and CEO of this bank. US9497461015 is the ISIN number.

Wells Fargo provides many services to its clients such as Premier Checking Account which offers waived fees for wire transfers, monthly maintenance and overdrafts.

There are many types of rewards programs by which clients can earn rewards, which include credit cards that offer travel points, cash-back and other incentives based on the spending of the user.

The bank also provides many investment options with proper financial guidance from experts, including mutual funds bonds and stocks.

It provides a vast range of mortgage options such as jumbo loans, conforming loans and specialised programs for first-time home buyers or those clients who have lower incomes. The bank also has a mobile app by which clients can manage their accounts, pay bills and transfer money conveniently from their devices while being in their comfort zone.

It also has offers for new clients such as sign-up bonuses for opening accounts and cash bonuses for meeting deposit requirements.

Wells Fargo has an excellent customer support service that runs 24/7, ensuring that their clients get the required assistance they want through phone or in-branch services.

3.Citibank

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Citibank, founded by Samuel Osgood, is a financial service-providing multinational corporation. It was founded in 1812 and has its headquarters today in New York City.

It is the 4th largest bank in the United States in terms of assets. The bank has branches in 19 countries.

Citibank offers multifarious benefits and services to its customers such as banking services, credit cards, loans and investment options. Credit card holders may get cash-back, travel points or other benefits for their purchases.

Customers who achieve "Citigold" can enjoy waived monthly service fees, ATM fees and other charges. The bank also has its mobile app which provides convenient access to account management, real-time transaction alerts and mobile check deposits. With Citibank, customers can also earn interest on their savings over a fixed term.

It also offers brokerage services and customers can invest in stocks, bonds, mutual funds and others.

Citibank offers its customer great security and safety of their finances, which includes $0 liability for unauthorised purchases, fraud monitoring and the ability to lock your card instantly which can be done through the mobile app.

It offers different types of accounts such as checking accounts, high-yield savings accounts and accounts with special features for students or seniors. It has great customer support services which are available 24/7 to assist the enquiries of the customers and help them manage their finances.

2.Bank of America

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Bank of America was founded in 1998 and is headquartered in Charlotte, North Carolina. It is an American multinational bank that was founded after merging BankAmerica and NationsBank. Brian Moynihan is its Chairman & CEO, and Bruce Thompson serves as a Vice Chairman. US0605051046 is the ISIN number.

Bank of America provides many types of rewards to its clients based on their banking, borrowing and investing activities, which increase with account balances. Bank of America's credit card offers cash-back and travel rewards.

Clients in higher tiers of the preferred rewards program can also enjoy fee waivers for known Bank of America ATM transactions. Members can also receive interest rate discounts and fee reductions on auto loans, home equity lines of credit and mortgages.

Clients who are in diamond and diamond honours tiers can have access to exclusive lifestyle benefits and events. The bank offers online and mobile banking features, by which clients can manage their accounts online and track their rewards and can also have access to financial tools.

Merrill, the investment agency of Bank of America, provides financial advice and portfolio management services to customers. People can also earn cash rewards on purchases, along with additional bonuses through specific credit card programs.

The customer support and guidance are excellent as there is always a representative available to assist its client whenever needed.

1. JPMorgan Chase

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JPMorgan Chase & Co. is a public financial service provider, having its headquarters in New York City. It was founded in 2000. Jamie Dimon and Daniel E. Pinto are the Chairman & CEO and President & COO of the bank respectively. US46625H1005 is its ISIN number.

It provides many comprehensive bank services such as banking products, including checking & savings accounts, mortgages, investment services and credit cards.

JP Morgan has a unique wealth management system, which allows its clients to grow their wealth they can choose to work with an advisor or manage their investments online. There are multifarious investment opportunities, such as IRAs, Roth IRAs and 529 Plans. The bank also provides its customers with a plan for education funding and retirement. The client can achieve their desired financial objectives with JPMorgan Chase.

The firm operates in 100 markets worldwide. It is the largest bank in the United States and the world's largest bank by market capitalisation (as of 2023).

JP Morgan also provides insurance services through Chase Insurance Agency, including life, health and property insurance. It also provides access to counselling and support services.

For employees, Programs such as tuition reimbursement and professional development are also there to encourage learning. Employees have a chance to purchase company stock at a discounted rate.

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