With the many options available, finding banks with the best customer service is easy today.
Most banks offer online and mobile bank support, giving you many more options than getting in the car and driving to the bank.
Here are the ten best banks with top-notch customer service options.
Best Banks for Customer Experience
We’ve rounded up the best banks for customer service to make your search for the perfect bank account simple.
1. Chase 
- JD Power Score: 607
- BBB Rating: A-
- Branch accessibility: 4,700 branches
- Customer support: Phone, Twitter, Facebook, Instagram, or in person
Chase Bank is one of the largest banks by assets and is one of the banks with the best customer service options. From self-service options online to phone or online support, Chase is there for customers in the way they need it.
Chase makes it easy to schedule a meeting with a banker, find local branches, or speak with a customer service representative 24/7 on the mobile app.
Chase Mobile App Features:
- Bank, invest, and save from your phone
- Build a budget
- Conduct commission-free trades
- Manage your accounts all from one place
- Zelle® transfers
- Pay bills
- Earn, track, and redeem
- Chase rewards
Chase Bank is great for those who want a ‘big name bank’ as it offers many opportunities for customer service the way you’re most comfortable; however, they have a smaller ATM network than many banks on our list.
Learn More:
2. Ally 
- JD Power Score: N/A
- BBB Rating: A
- Branch accessibility: None
- Customer support: Phone, online chat, or email support
Ally Bank is one of the most well-known online banks. While they don’t have physical branches, they offer 24/7 support and the same banking products and services you’d expect from a physical branch.
Despite not having physical branches, Ally has a network of 43,000 fee-free ATMs where you can conduct most banking transactions except deposit cash. To deposit cash, you must first deposit it in an external account and electronically transfer it.
Ally Bank’s Mobile App Features:
- Remote deposit
- Transfer funds
- Pay bills
- Savings account buckets for individual savings goals
- Debit card controls
Ally Bank is great for anyone who doesn't mind banking digitally, especially with their 24/7 customer service. However, you'll want to look elsewhere if you prefer in-person banking.
Learn More:
3. Capital One 
- JD Power Score: 616
- BBB Rating: A+
- Branch accessibility: 750+ branches
- Customer support: Automated customer service (24/7), live phone support, or digital chat
Capital One Bank is a great ‘hybrid bank’ for those who want to dip their toes in online banking but need a branch ‘just in case.’ Branches aren’t located nationwide, so only choose this option if you live near a branch. If you don’t need in-person banking, they have 70,000 fee-free ATMs to use.
While their live customer service isn’t available 24/7, it is available 8 AM to 11 PM EST seven days a week. They also have a robust FAQ section and digital assistant to help with common questions.
Something Capital One has that other banks don’t are Capital One Cafes, which is why it made our list of the banks with the best customer service.
This isn’t your traditional bank. While you can talk to what they call their tellers, ‘ambassadors,’ you can also have a bite to eat, work, relax, and attend money workshops or get money advice.
Capital One’s Mobile App Features:
- View all your Capital One accounts
- Check your credit score
- Conduct bank transactions
- Zelle® transfers
- Pay bills
- Lock/unlock your debit card
Capital One is perfect for those who live near a branch and want the best of both worlds. However, the branches are limited, so it’s not an option for those not living near one unless you’re comfortable with online banking.
Learn More:
4. Citibank 
- JD Power Score: 606
- BBB Rating: F
- Branch accessibility: 2,600 branches worldwide
- Customer support: Phone, online chat, or in person
Citibank is one of the nation’s largest banks and provides many opportunities for customer service options.
Citibank is spread across 95 countries with 2,600 branches, so you won’t see as many branches in the US as other large banks, but you can bank from the comfort of your home or their 65,000 fee-free ATMs.
The Citibank app has 4.9 out of 5 stars in the app store and makes mobile banking from anywhere simple. You can even open a checking or savings account from the app without stepping foot in a bank.
Citibank Mobile App Features:
- Zelle® transfers
- Mobile check deposit
- ATM Locator
- Account snapshot
- Spending insights
- Bill management
- Free FICO® score access
- Lock/unlock debit cards
Citibank is best for those who only want to bank with one of the ‘Big 4 Banks’ but also want access to mobile banking. However, you may have trouble finding a branch in your area with less than 1,000 branches in the US.
Learn More:
5. Bank of America 
- JD Power Score: 629
- BBB Rating: A-
- Branch accessibility: 3,900+ branches
- Customer support: In-person, phone support, Facebook and Twitter direct message, or mobile app assistant
Bank of America is another one of the country’s larger banks with a larger branch presence. In addition to the 3,900 branches, they have 15,000+ fee-free ATMs and exceptional mobile banking opportunities.
You can easily make appointments online for in-person support or do all your banking from the robust Bank of America mobile app, which has 4.8 out of 5 stars.
Bank of America’s most unique feature on the app is its mobile assistant, Erica, who can help you with your banking questions 24/7.
Bank of America Mobile App Features:
- Manage accounts
- Manage debit cards
- Mobile check deposit
- Zelle® transfers
- Manage investments
- Pay bills
Bank of America provides a robust branch network and a powerful mobile app with a digital assistant. Their ATM network, however, is smaller than other banks on our list.
Learn More:
6. U.S. Bank 
- JD Power Score: 576
- BBB Rating: A-
- Branch accessibility: 2,200+ branches
- Customer support: In-person and phone support
US Bank is located in 26 states with 2,200 branches and has one of the country’s largest ATM networks.
What sets US Bank apart from other banks on our list is the 24/7 live customer support, which is a great way to take care of banking any time of day or night without relying on mobile banking.
Of course, you can bank online and on the mobile app or get support in person if needed, so US Bank gives you many options.
The US Bank mobile app has 4.8 out of 5 stars with over 1,000,000 users. The US Bank mobile app does more than most mobile apps, but of course, it includes the basics like managing your account, locking your debit card, and sending money via Zelle®.
US Bank Mobile App Features:
- Customized alerts for duplicate or fraudulent charges
- Set travel notifications
- Review monthly spending by category
- Get recommendations from the US Bank Smart Assistant®
- Find new products or services
Access to 24/7 customer support is important to many consumers, so it should be at the top of your list if that's your priority. Plus, they have an incredible ATM network. However, Wells Fargo had some critical issues in the past, which might make you weary of trusting them.
Learn More:
7. PNC 
- JD Power Score: 574
- BBB Rating: A+
- Branch accessibility: 2,400+ branches
- Customer support: In-person, phone support, or Twitter
PNC Bank is one of the top five largest banks in the United States, but don’t let their size scare you. They still offer many options for customer service, including 2,400+ branches and 60,000 fee-free ATMs.
While phone support isn’t available 24/7, they also have a robust website that can help you make important banking decisions and get answers to your most pressing questions.
PNC is known for its mobile access, especially with its Virtual Wallet accounts that offer a spend, save, and reserve account all in one plan. The PNC mobile app has 4.8 stars out of 5, with 1.4 million ratings.
PNC Mobile App Features:
- Check balances and monitor spending
- Zelle® transfers
- Make mobile deposits
- Lock or unlock debit cards
- Locate an ATM
- Check the calendar for upcoming due dates
- Create savings goals
PNC offers some of the most robust digital banking tools, making it easy to bank from anywhere but feel like you're at the branch. The downside is their live customer phone support has limited hours.
Learn More:
8. TD Bank 
- JD Power Score: 572
- BBB Rating: A+
- Branch accessibility: 1,100+ branches
- Customer support: In-person, phone support (24/7), digital chat, mobile app, Facebook or Twitter
TD Bank is another bank that offers 24/7 phone support, making it one of the best banks with customer service options. Their branch support is limited to 1,100 branches, so if in-person banking is important to you, ensure they are in your area.
TD Bank has a network of 2,600 ATMs, providing a broader reach when depositing or withdrawing cash.
The TD Bank mobile app has 4.8 out of 5 stars, allowing you to bank anywhere, anytime.
TD Bank Mobile App Features:
- Mobile Deposit
- Bill pay
- Manage debit cards
- Zelle® transfers
- Open new accounts
- TD for Me, a personalized bank support system for customers
- 24/7 customer support
Despite its limited branch network, TD Bank offers robust 24/7 customer support and a powerful mobile app that makes banking from anywhere simple.
Learn More:
9. SoFi 
- JD Power Score: N/A
- BBB Rating: A+
- Branch accessibility: None
- Customer support: Phone, online chat support, or Twitter
SoFi Bank is an online-only bank that offers powerful customer support options, including a 24/7 virtual assistant who can help you with the most common banking and mobile app questions.
While not as widely known as the other banks on this list SoFi offers robust banking options that make it a top contender, including a 55,000 fee-free ATM network.
Like the other banks on our list, SoFi has a 4.8 out of 5-star rating in the app store, making it a great option for people who prefer online banking.
SoFi Mobile App Features:
- Early access to direct deposit
- Easy to track money
- Investing options
- SoFi Insights for personalized recommendations
SoFi offers the best of banking and investing in one app and has a powerful ATM network. The downside is there aren't any physical branches, no matter where you live.
Learn More:
Customer Service Features To Look For
When looking for banks with the best customer service, consider the following:
- Phone support hours (do you need 24-hour support?)
- In-person banking options
- Powerful mobile app options
- Virtual assistant either online or in the mobile app
- Robust ATM network
- Self-help options online
- Zelle® and other transfer options
Frequently Asked Questions
What Is the Number One Bank in America?
JP Morgan Chase is the largest bank by assets and is often considered the best bank in America. However, you should always make your own decisions and evaluate what a bank offers.
For example, you may not need in-person support and may benefit more from a bank that’s 100% online, like Ally Bank.
What Qualities Should You Look for When Choosing a Bank?
Everyone has different needs for a bank. Consider what’s important to you, such as whether you need in-person support or are good with online-only banking. Also, look at a bank’s products and services, APYs, and, most importantly, the fees.
Keeping the fees to a minimum is key, but it shouldn’t sacrifice customer service. All of the banks on our list provide the perfect balance between great customer service and affordable fees.
What Online Bank Has the Best Customer Service?
Ally Bank is often named the best online bank for customer service, but many banks offer 24/7 online support. Look at what a bank offers regarding products and services and compare it to the level of customer service provided to choose the right bank.
How Do I Write a Customer Complaint to a Bank?
You have many options to complain to a bank, including mailing a letter directly to their customer support department, writing to them online, especially on Twitter, or sending an email. Always follow up on your complaints to ensure the issue gets resolved.
The Bottom Line
There are many options for banks with the best customer service, including in-person and online banking choices. Finding a bank with the products and services you need without charging excessive fees is key.
Today, most banks offer more than just phone support. You can often get answers on their FAQ or self-service pages or contact their 24/7 virtual assistants. Decide what you’re most comfortable with and find the best bank!
No comments yet. Add your own