The best brick-and-mortar savings accounts of July 2026

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

The U.S. Bank Standard Savings account is no longer available to new applicants.

Brick-and-mortar banks can have hundreds or even thousands of physical branches. Many people value the face-to-face customer service, community trust and large ATM networks they offer.

Brick-and-mortar banks also tend to have a more comprehensive product line, like business banking, wealth management and safe deposit boxes.

CNBC Select compared dozens of savings accounts offered by the largest banks and credit unions by market share. Because savings account APYs at the big banks tend to be lower, we focused on customer service, fees, convenience (including the number of branches and ATMs), the opportunity to earn higher interest rates and any special offerings. See our methodology for more information on how we choose the best brick-and-mortar savings accounts.

Who's this for? The Bank of America Advantage Savings account stands apart from other brick-and-mortar offerings because of the rewards you can unlock by pairing it with a Bank of America credit card or checking account.

Standout benefits: Account holders can earn up to 15% cash back at select merchants through BankAmeriDeals®, and the Keep the Change^® program automatically rounds up debit purchases to the nearest dollar and deposits it into savings. With over 4,000 branches and 16,000-plus ATMs, it's also one of the most accessible banks in the country.

Who's this for? With about 5,400 physical locations and over 13,000 ATMs, Wells Fargo is the largest brick-and-mortar bank in the nation by branch count, which is a strong choice if in-person access matters most to you. The Way2Save^® Savings account is the better pick of Wells Fargo's two savings options, since it has a lower minimum daily balance to avoid the monthly fee than the elevated Platinum Savings account.

Standout benefits: Way2Save's Save As You Go feature automatically transfers $1 into savings for each qualifying debit purchase or online bill payment, making it easy to build savings passively.

Who's this for? If you're looking for a broad network of ATMs to avoid out-of-network fees and a chance to earn a slightly higher APY, the Chase Premier Savings℠ account is worth a look.

Standout benefits: Chase has over 5,000 branches and 15,000 ATMs, and linking your Premier Savings to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Banking account waives the monthly service fee while nudging your APY higher. Sapphire Banking customers also get perks like early access to tickets for sports and entertainment events.

Who's this for? If you want a no-frills, low-cost savings account at a brick-and-mortar bank, U.S. Bank's Smartly Savings Account fits the bill.

Standout benefits: It only takes a $25 minimum deposit to open and the $4 monthly fee is easy to avoid with a $300 minimum daily balance or a $1,000 average monthly balance. Linking it to a U.S. Bank checking account adds overdraft protection.

Who's this for? The Citi® Savings Account is ideal if you appreciate robust digital banking features but still want access to physical branches.

Standout benefits: Citi's Savings Account offers a higher APY than its brick-and-mortar competitors, with no minimum deposit required. Customers also get access to over 65,000 surcharge-free ATMs.

Who's this for? PNC Bank stands out for its Virtual Wallet® account, which uses online tools to make it easy to see how you're managing your money day to day.

Standout benefits: Virtual Wallet connects three accounts — Spend, Reserve and Growth — with higher "relationship" rates available on the Growth savings account. New account holders can also earn a welcome bonus, plus cash back through the PNC Purchase Payback® program on debit card purchases.

• Annual Percentage Yield (APY): The amount of interest an account earns in a year.
• ATM networks: ATMs can either be in-service or out-of-network, depending on which bank you have. When you make a transaction at an ATM outside your bank's network, a fee will most likely be applied by both the ATM operator and your bank.
• Overdraft protection: Any negative checking account balances are automatically covered when linked to a savings account.

When choosing a brick-and-mortar savings account, it's important to balance convenience, costs and how you plan to use the account. Here's what to consider when choosing the right account:

• Interest rate: While rates at traditional banks tend to be lower than those at online banks, some offer more competitive yields than others.
• Fees and minimums: Look for accounts with low or no monthly fees and manageable minimum balance requirements.
• Branch and ATM access: Consider how convenient it is to access branches and ATMs near you, especially if you value in-person service.
• Additional perks: Some banks offer relationship benefits such as fee waivers or higher rates when you bundle accounts.

Brick-and-mortar savings accounts stand out for offering in-person access and a more traditional banking experience, which can be especially valuable for customers who prefer face-to-face support. Here's what they offer:

• Physical branch access: Customers can visit a branch for account help, deposits or questions instead of relying solely on digital support.
• Integrated banking services: These accounts are often part of a larger banking relationship, making it easier to manage checking, savings, and loans in one place.
• Local presence: Many brick-and-mortar banks offer community-based services and a sense of familiarity that online-only banks don't provide.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed financial decisions. Every savings list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of banking products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

To determine which brick-and-mortar savings accounts offer the most convenience, CNBC Select analyzed dozens of U.S. savings accounts offered by the largest national banks and credit unions. We narrowed our ranking to only those savings accounts from brick-and-mortar banks with broad availability, offering access to at least 700 physical branches and over 4,000 non-fee ATMs in the U.S.

While the accounts we chose in this article are from the largest banks, we compared each savings account on a range of features, including its fees, opportunities to earn higher interest rates, customer service and any other special offerings or programs. We also considered factors such as insurance policies, users' deposit options, other savings accounts being offered by the same bank and customer reviews when available.

All the accounts on this list are FDIC-insured up to $250,000. Note that the interest rates and fee structures for brick-and-mortar savings accounts are subject to change without notice. Product and feature availability varies by market, so they may not be offered where you live.

Most brick-and-mortar banks require you to enter your zip code online for the correct account offerings. Any return on your savings depends on the fees and the balance in your brick-and-mortar savings account. To open a savings account, most banks and institutions require a deposit of new money, meaning you can't transfer money you already had in an account at that bank.

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