Crediful is committed to helping you make smarter financial decisions by presenting you with the best information possible. We are able to present this information to you free of charge because some of the companies featured on our site compensate us.
Compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories.
While Crediful does not feature every company, financial product, or offer available, we are proud that the information, reviews, guides, and other tools found on our site are entirely objective and available to you free of charge.
Our #1 priority is you, our reader. We will never ever recommend a product or service that we wouldn’t use ourselves. Our reviews are based on independent research.
What does this mean for you? It’s simple: we will never steer you in the wrong direction just because a company offers to pay us.
From the casinos of Las Vegas to the hot springs of Reno, Nevada has plenty to offer both residents and visitors. When it comes to banking in the Silver State, you have plenty of options to consider.
Whether you’re looking for high-interest savings accounts, budget-friendly checking options, or robust mobile banking features, there’s likely a bank or credit union in Nevada that’s right for you. Read on to discover the best banks in Nevada and what they offer to meet your financial needs.
12 Best Banks in Nevada
The best banks in Nevada offer various services, rates, and perks that can cater to different lifestyles and needs. Whether you’re a small business owner, a student, or someone looking to optimize your savings, you’ll find a bank on this list that aligns with your goals.
Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
The account includes a free debit card that can be locked or unlocked if ever misplaced or stolen. There are no ATM transaction fees at U.S. Bank ATMs and no surcharge fees at over 40,000 MoneyPass® Network ATMs.
The checking account requires a $25 opening deposit and a $6.95 monthly fee. This fee can be waived for those 24 and under, 65 and over, or military members (must self-disclose).
Additionally, the fee can be waived with monthly deposits of $1,000+, an average balance of $1,500+, or holding an eligible U.S. Bank credit card. Qualifying for any Smart Rewards® tier (Primary, Plus, Premium, or Pinnacle) also waives the fee.
Upgrade is a top online banking choice in Nevada, known for its innovative and fee-free financial services.
As a fintech company, Upgrade partners with Cross River Bank, ensuring all accounts are FDIC insured up to $1 million.
The Rewards Checking Plus account stands out by eliminating monthly maintenance fees, overdraft fees, and transfer fees, with no minimum deposit requirements.
Customers can enjoy early direct deposit, accessing paychecks up to two days sooner. The account also offers up to 2% cash back on everyday debit card purchases.
With the Upgrade Premier savings account, you can earn up to 4.02% APY on balances of $1,000 or more.
Upgrade also offers a user-friendly mobile app for iOS and Android, making financial management accessible anywhere in Nevada.
Nevada State Bank is a regional bank with 47 branches across the state, including locations in Carson City, Henderson, Las Vegas, North Las Vegas, and Reno.
It offers a full range of personal and business banking services, making it a convenient choice for Nevada residents.
The bank’s free checking account comes with a $9 monthly fee, which can be waived by setting up a direct deposit of at least $250 or making 10 debit card purchases per month. A $50 deposit is required to open the account.
Customers can manage their accounts through a user-friendly mobile app with features like mobile check deposit, bill pay, and transfers.
Nevada State Bank also offers competitive CD rates, specialized accounts for military members, and various loan options, including mortgages, personal loans, and business financing.
You’ll also get fee-free access to all Nevada State Bank and Zions Bancorporation ATMs.
There are quite a few national banks in Nevada, including Chase, which has 62 branches in the state, including Las Vegas, Henderson, Reno, Sparks, and more.
Chase’s signature checking account, Total Checking, waives the $12 monthly fee as long as you receive $500 or more in direct deposits or maintain a $1,500 balance.
There’s no minimum deposit or minimum balance requirements. Plus, you can get a $200 bonus if you open a new checking account and enroll in direct deposit.
Aside from checking accounts, Chase offers savings accounts, CDs, some of the best travel credit cards, home and auto loans, and much more.
Zions Bank is a regional bank with branches in Nevada cities such as Eureka, Fallon, Fernley, Las Vegas, and Reno
It offers a full range of personal and business banking services, making it a practical choice for individuals and small business owners alike.
Opening a checking account is simple. There are no monthly service fees, no minimum balance requirements, and only a $50 deposit is needed to get started.
Customers can manage their accounts through Zions Bank’s mobile app, which includes mobile check deposit, online bill pay, and fund transfers.
For savers, Zions Bank offers competitive rates on CDs and money market accounts. Business customers can take advantage of specialized products, including business checking accounts, credit cards, and financing options.
ATM access is also convenient, with fee-free transactions available at all Zions Bank and Zions Bancorporation ATMs statewide.
Bank of America has branches throughout Nevada, including in Henderson, Las Vegas, Reno, and Sparks, making it a convenient choice for those who prefer in-person banking.
The Advantage Plus Checking account has a $12 monthly fee, which can be waived by maintaining a $1,500 balance, receiving a direct deposit of $250 or more, or enrolling in the Preferred Rewards program. A $100 deposit is required to open the account.
Customers can manage their accounts through the Bank of America mobile app, which supports mobile check deposit, bill pay, and Zelle transfers. CD rates are competitive, though standard savings yields are lower.
Bank of America also offers mortgage loans, auto loans, business banking, and investment services through Merrill.
One Nevada Credit Union is open to anyone who lives, works, goes to school, or attends church in Clark, Nye, or Washoe County.
Being a part of this credit union provides you with access to numerous benefits, including good rates on loans. To start your membership, you just need to pay a one-time fee of $5.
Opening a One Checking Account is pretty easy. It comes with a $5 monthly fee that you don’t have to pay if you keep an average of $2,000 in your bank account every day or use your debit card for at least 15 signature-based purchases in a month.
When it comes to withdrawing money, you can do it for free at any One Nevada Credit Union ATM and over 46,000 Allpoint ATMs all over the country.
If you’re thinking about saving, they offer great rates on CDs. Plus, your One savings account will earn dividends that are paid out every month. They also offer competitive rates on personal loans.
Wells Fargo has a strong presence in Nevada, with branches in Las Vegas, Henderson, and other cities.
Customers can manage their accounts through the Wells Fargo mobile app, which includes mobile check deposit, bill pay, and Zelle for quick transfers.
The Everyday Checking account has a $10 monthly fee, but it can be waived by maintaining a $500 balance or receiving $500 in qualifying direct deposits each month.
New customers can also earn a $300 bonus by opening a checking account and setting up direct deposit.
For savings, Wells Fargo offers standard accounts with low interest rates, but its CDs may provide more competitive returns. Customers also get access to over 12,000 Wells Fargo ATMs nationwide, along with in-person banking at Nevada branches.
Beyond checking and savings, Wells Fargo provides mortgage loans, personal loans, auto loans, and investment services through Wells Fargo Advisors.
WaFd Bank is a regional bank with branches in Nevada, Arizona, Idaho, New Mexico, Oregon, Texas, Utah, and Washington.
It offers a mix of personal and business banking services, along with a mobile app that supports mobile check deposit, bill pay, and account management.
Opening a checking account is simple, with a low $25 minimum deposit and no monthly maintenance fees. Customers also have access to MoneyPass ATMs nationwide, providing fee-free withdrawals at thousands of locations.
For those focused on saving, WaFd Bank offers competitive rates on CDs and money market accounts.
The bank also provides home loans, personal loans, and business banking services, making it a well-rounded option for different financial needs.
First Foundation Bank is a regional bank with branches in Nevada, offering personal and business banking services with a focus on low fees and competitive interest rates.
Customers can manage their accounts through the bank’s mobile app, which includes mobile check deposit, bill pay, and account transfers.
The free checking account has no monthly maintenance fees or minimum balance requirements, making it an easy option for everyday banking.
A $100 deposit is required to open an account. While the bank does not have an extensive ATM network, it reimburses up to $20 in out-of-network ATM fees each month.
For those looking to grow their savings, First Foundation Bank offers competitive interest rates on CDs and money market accounts.
Business banking customers can take advantage of business checking accounts, loans, and lines of credit.
Plumas Bank is a local bank serving Northeastern California and Northern Nevada that offers attractive rates on CDs alongside various checking account options.
For a hassle-free banking experience, opt for the basic checking account, which dismisses monthly fees when you make at least 10 signature-based transactions using your debit card and sign up for e-statements.
Setting up the bank account is straightforward with a $100 minimum opening deposit, and there’s no daily minimum balance to keep up with.
Plumas Bank also offers a basic savings account, and one that has a monthly maintenance fee of $4.
Beyond personal banking, Plumas stands out for its substantial support for small business owners and its commitment to excellent customer service, earning high ratings in this regard.
How to Choose the Best Bank in Nevada
Finding the right bank depends on your financial needs and lifestyle. Nevada has a mix of national banks, regional banks, credit unions, and online banks, each with different perks. Here’s what to consider when making your choice:
Fees and Requirements: Look for banks with no monthly fees or easy ways to waive them, like setting up direct deposit or maintaining a minimum balance. Some banks also offer free ATM access and reimburse out-of-network fees.
Savings and Interest Rates: If you’re looking to grow your money, compare interest rates on savings accounts, money market accounts, and CDs. Some online banks offer higher rates than traditional banks.
Convenience and Accessibility: If you prefer in-person banking, choose a bank with branches and ATMs near you. If you’re comfortable with digital banking, an online bank with strong mobile features might be a better fit.
Account Perks and Bonuses: Many banks offer new account bonuses, cashback on debit card purchases, or special rewards programs. Look for extras that align with how you use your account.
Customer Service and Reputation: A bank with responsive customer service can make a big difference, especially when you need help with an issue. Checking online reviews and asking for recommendations can give you a better idea of what to expect.
Business and Investment Services: If you own a business or need help with investing, choose a bank that offers business accounts, lending options, and financial planning services.
Types of Banks in Nevada
In Nevada, you’ll discover a wide variety of financial institutions tailored to suit the different preferences and priorities of the local population. Understanding the different types of banks can help you make an informed decision when choosing where to bank. Here are the common types of banks you’ll encounter:
National Banks
National banks operate in many states across the country, offering a vast network of branches and ATMs. They provide a wide array of services and products, often coupled with advanced technology for online and mobile banking. Bank of America and Wells Fargo are examples of national banks available in Nevada.
Regional Banks
Regional banks usually operate in a specific area or a few states, providing localized services while maintaining a wide range of offerings like national banks. They aim to combine the best of both worlds by building close ties with local residents. Examples include U.S. Bank, Zions Bank, and WaFd Bank.
Community Banks
Community banks are smaller institutions focused on serving the local population in specific cities or counties. They are characterized by personalized service, understanding of the local market, and strong ties to their communities. First Foundation Bank and Plumas Bank are notable examples in Nevada.
Credit Unions
Credit unions are member-owned non-profit organizations that typically offer favorable interest rates and lower fees compared to traditional banks. They often focus on serving communities and might have eligibility criteria based on location, occupation, or membership in a particular group. One Nevada Credit Union, Silver State Schools Credit Union, and Clark County Credit Union are popular choices in the region.
Online Banks
Online banks operate virtually without physical branches, offering services primarily through websites and mobile apps. They tend to offer higher rates on savings accounts and lower fees due to reduced overhead costs. SoFi and Upgrade are examples of digital banks offering services to Nevada residents.
Bottom Line
Choosing the right bank in Nevada is a significant step in setting a solid foundation for your financial journey. The state of Nevada has a wide variety of banks, each offering unique benefits to cater to different financial goals and lifestyles.
Whether you are drawn to higher interest rates, a user-friendly mobile banking experience, or community involvement, the banking landscape in Nevada has something to suit everyone. As you explore your options, take a careful look at the fees, interest rates, and the added perks that each bank affords its customers.
Finding the best bank for you is all about identifying an institution that aligns with your financial goals and lifestyle preferences. Remember to choose a banking partner that meets your current needs and aids in fostering your financial growth in the long run. Happy banking in the Silver State!
Stephanie Faris is a professional finance writer with more than a decade of experience. Her work has been featured on a variety of top finance sites, including Money Under 30, GoBankingRates, Retirable, Sapling, and Benzinga.
