The banking industry in Ohio is diverse with many different types of banks serving various needs including commercial banks, savings and loan associations, mutual savings banks, life insurance companies, and trust companies.
As of March 2025, the average credit card interest rate is 24.20%, while the average personal loan interest rate is approximately 12.37%. This significant difference suggests that consolidating credit card debt with a personal loan can lead to substantial interest savings.
Banks play an important role in the financial system. Where there are no banks, people find it challenging to keep their money and conduct transactions, get loans, make investments, and credit card services.
In this post, we will review the top 10 Banks in Ohio. This will help you find the best options available.
Why you need a bank account in Ohio
There are numerous advantages to having a bank account.
- Savings
- Liquidity
- Transparency
- Safety
- Accessibility
a. Savings
Owning A savings account can provide you with a small profit on your deposit in exchange for allowing a bank to invest your money. In exchange, the bank will compensate you with a low interest rate.
Your money is invested in liquid money market funds in certain types of accounts, generating higher returns.
b. Liquidity
It offers high liquidity, especially when a person requires a ready pool of money for an emergency. You can deposit and withdraw funds at any time, as well as send remittances through the bank.
c. Transparency
Bank transactions are extremely transparent, and you can keep track of your transactions using your Passbook.
d. Safety
The money in a bank account is secure and well-regulated. Money kept safely in your home can be lost or stolen
e. Accessibility
Instead of carrying a large sum of money with you, having a bank account allows you to withdraw that sum of money using a debit card from a variety of locations.
If your bank account application has been denied, See our article on Bank Account Application Denied This will show you how to deal with it
List of Top Ohio banks
The following list includes some of the top banks in Ohio based on size:
- Huntington Bank
347 Offices in 202 cities - Fifth Third Bank
267 Offices in 139 cities - PNC Bank
228 Offices in 133 cities - Chase Bank
220 Offices in 137 cities - U.S. Bank
193 Offices in 121 cities - KeyBank
176 Offices in 110 cities - Citizens Bank
84 Offices in 57 cities - Park National Bank
83 Offices in 60 cities - Woodforest National Bank
76 Offices in 69 cities - Premier Bank
64 Offices in 50 cities - First Financial Bank
61 Offices in 33 cities - Peoples Bank
59 Offices in 52 cities - WesBanco Bank
54 Offices in 40 cities - Farmers National Bank
49 Offices in 40 cities - LCNB National Bank
31 Offices in 26 cities - Dollar Bank
29 Offices in 24 cities
- New York Community Bank
28 Offices in 24 cities - First National Bank
28 Offices in 25 cities - Union Savings Bank
28 Offices in 19 cities - First Commonwealth Bank
25 Offices in 15 cities - Third Federal S&L
21 Offices in 18 cities - Civista Bank
25 Offices in 21 cities - Consumers National Bank
20 Offices in 20 cities - First Federal Lakewood
20 Offices in 18 cities - The State Bank and Trust Company
20 Offices in 18 cities - The Farmers & Merchants State Bank
19 Offices in 18 cities - Unified Bank
18 Offices in 16 cities - The Union Bank Company
17 Offices in 14 cities - The Merchants National Bank
17 Offices in 12 cities - Croghan Colonial Bank
17 Offices in 11 cities - Middlefield Banking Company
16 Offices in 15 cities - The Vinton County National Bank
16 Offices in 14 cities - The Commercial and Savings Bank
16 Offices in 13 cities
10 Best banks in Ohio
- PNC Bank
- United States Bank
- Huntington National Bank
- Fifth Third Bank
- Chase Bank
- Woodforest National Bank
- Key Bank
- Park National Bank
- Civista Bank
- Park National Bank
#1. PNC Bank
PNC is an excellent option for students looking to open an account in Ohio. The bank has over 297 branches in the state’s 161 cities and towns.
PNC has a lot to offer in terms of services. As a student, you can obtain student loans and credit cards. You can also open a special account called the Virtual Wallet Student Account, which has no fees for the next six years.
#2. U.S Bank
U.S. Bank is one of the largest banks in the United States and the best option for joint checking accounts. It is one of the best banks in Columbus Ohio, with over 259 branches in 142 Ohio cities.
It should be noted that the minimum deposit at a US bank is $25, and the overdraft fee is $36.
#3. Huntington National Bank
Huntington National Bank was founded in Cleveland, Ohio in 1866. The bank has over 450 branches in 215 different Ohio cities and towns.
The bank offers three types of checking accounts: basic, standard, and premium. You can conduct online banking, mobile check deposit, and online bill payments with any of these accounts.
#4. Fifth Third Bank
Fifth Third Bank is one of the best banks in Cleveland, Ohio, with over 290 locations in 147 Ohio cities. It is known as a regional mid-west bank that provides excellent banking services.
In addition, they provide special accounts such as preferred checking accounts, student banking, military checking accounts, express banking, and ABLE checking. All are intended for different types of people.
#5. Chase Bank
Chase Bank is ideal for high school and college students. Aside from that, it is one of the best banks in Cleveland Ohio, offering a wide range of banking services to Americans.
Personal banking, credit cards, mortgages, auto financing, investment advice, small business loans, and payment processing are all available through the bank.
#6. Woodforest National Bank
Woodforest National Bank is the next best-rated bank in Ohio on our list. The bank has 78 offices in 72 Ohio cities and over 700 across 17 states in the United States. Illinois, Texas, Virginia, North Carolina, Alabama, Florida, South Carolina, and other states are included.
#7. Key Bank
Key Bank may be one of the best-rated banks in Ohio. it has over 204 branches in 120 different cities and towns throughout Ohio, as well as 1200 additional offices in 15 states.
The bank has an excellent customer service system that is accessible via a variety of channels. In addition, savings account monthly fees are lower.
#8. Park National Bank
Park National Bank is another excellent bank among the best banks in Ohio. This is due to the bank’s excellent services.
They have Checking, Savings, Money Market, and Health Savings accounts, as well as CDs and loans for homes and businesses.
You will also have access to an ATM, free online banking, and mobile banking. Click the link below to learn more about this bank.
#9. Civista Bank
This Ohio bank is dedicated to assisting its customers and communities in meeting their financial needs and goals.
Civista Bank primarily provides personal, business, and wealth management services. It also offers a variety of savings and checking accounts, making it an excellent value for customers.
#10. Park National Bank
Park National Bank is another bank that must be considered when discussing the best top banks in Ohio. This is due to the bank’s excellent services.
They have Checking, Savings, Money Market, and Health Savings accounts, as well as CDs and loans for homes and businesses. You will also have access to an ATM, free online banking, and mobile banking
Best banks in Columbus Ohio
When it comes to the best banks in Columbus Ohio The first bank on our list is Chase Bank. This is a nationwide bank with branches all over Columbus Ohio and the US. It has one of the most comprehensive banking services available and offers a variety of checking accounts, savings accounts, credit cards, and loans to suit your needs and your budget.
Other best banks in Columbus Ohio include :
- Fifth Third Bank
- Huntington National Bank
- KeyBank
- Nationwide
- PNC
What are the best banks in Cleveland Ohio
Below is a list of the best banks in Cleveland Ohio
- Huntington National Bank
- Fifth Third Bank
- Chase Bank
- KeyBank
- Urban Partnership Bank
- Dollar Bank
Best banks in Ohio for checking accounts
The following are the best banks for checking accounts:
- U.S. Bank
- Huntington National Bank (HNB)
- Fifth Third Bank
- Chase Bank
- PNC
There are many unverified bank accounts linked to individuals. Don’t be a victim, see our article on How To Detect A Fake Bank Account Balance Prank.
Conclusion
The Banks mentioned here have their ATM on every corner in Columbus Ohio so you will never have trouble finding one when you need it; they also have mobile banking options so that you can access your account from anywhere at any time without having to go into a branch or wait for mail delivery. Aside from learning about the best banks in Ohio, you can also learn about the best banks in Tennessee.
FAQs on 10 Best banks in Ohio
which bank has the best customer satisfaction in Cincinnati ohio?
Most customers who want a reputable, long-standing bank with a full range of deposit accounts and financial services should find U.S. Bank appealing. It could be an especially good fit if you
which company provide the best bank card in cadiz ohio?
The best bank card in Cadiz Ohio is the Chase Sapphire Preferred Card. It has a sign-up bonus of 50,000 points, which can be worth $750 in travel. The card also has a good credit line and offers an annual fee of $95.
what is the best bank in columbus ohio?
Chase Bank is the first bank on our list. This is a national bank with locations throughout Columbus, Ohio, and the United States. It provides one of the most comprehensive banking services available,
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