Personal Finance / Banking Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. The top 5 safest banks in the U.S.
Ivana Pino · Senior Writer June 17, 2026 6 min read Trust matters when it comes to where you keep your money. Not all financial institutions offer the same level of financial strength, security protections, or long-term stability. To help consumers identify the safest places to bank, we developed a comprehensive ranking system that evaluates banks across a range of key factors, including asset size, insurance coverage, credit ratings, security measures, and more, to identify the safest banks in the U.S. (see our full methodology here).
While no bank is entirely risk-free, some are better positioned than others to weather economic downturns and protect customer data. Here's a closer look at the banks that scored highest in our analysis and the factors that helped them earn a spot on our list of the safest banks in the U.S. 1. Chase Bank Chase Bank is the largest national bank in the U.S. by asset size.
It operates more than 5,000 branches and 15,000 ATMs nationwide and offers a wide range of products, including deposit accounts, credit cards, home and auto loans, and business and commercial banking products. Chase took the top spot on our list with a Texas ratio of 3.55% and a near-perfect Moody's rating of Aa1. Chase also consistently ranks the highest among global systemically important banks (G-SIB) on the Financial Stability Board's (FSB) annual list, which considers capital buffers, total-loss absorbing capacity, resolvability, and higher supervisory expectations.
However, it's important to note that even the largest and safest banks aren't immune to data breaches. In 2014, the bank experienced a cyberattack that compromised the accounts of 76 million households and 7 million small businesses. Since then, the bank significantly increased its cybersecurity budget; it currently offers several safety and security features for consumers, such as fraud alerts, credit monitoring, and multi-factor authentication.
Read more: 6 important security features to look for in a bank 2. Bank of America Bank of America is the second-largest bank in the U.S. by asset size. It offers a range of products for personal and business customers, including deposit accounts, credit cards, lines of credit, and wealth management services.
Extract — continue reading at the source.
