{"id":7768,"date":"2023-04-04T14:52:07","date_gmt":"2023-04-04T14:52:07","guid":{"rendered":"https:\/\/www.wallstreetzen.com\/blog\/?p=7768"},"modified":"2026-05-01T09:02:02","modified_gmt":"2026-05-01T09:02:02","slug":"worst-banks-in-america","status":"publish","type":"post","link":"https:\/\/www.wallstreetzen.com\/blog\/worst-banks-in-america\/","title":{"rendered":"Rating the Worst Banks: Security and Corruption Concerns"},"content":{"rendered":"\n<p>2023 was a tough year for banks. Several failed, and we experienced the second-largest bank failure in U.S. history.<\/p>\n\n\n\n<p>It might have you wondering where your money is safe.<\/p>\n\n\n\n<p>Don\u2019t worry \u2014 most banks are considered safe for everyday banking needs. However, there are a few that are just plain awful. <\/p>\n\n\n\n<p>This article\u2019s dedicated to the worst banks in America \u2014 banks with a history of deceptive practices, banks that have been sued for defrauding customers, and more. And some of them are still in business. <\/p>\n\n\n\n<p>But you won\u2019t just learn what banks to avoid. You\u2019ll also get a few suggestions for banks that have a better reputation so you can find a better place for your money.<\/p>\n\n\n\n\n\n    <div id=\"callout-box-block_2af789a951796a8bc0bd88ec6be40f0f\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><!-- wp:paragraph --><\/p>\n<p><strong>At a glance: a better banking option\u00a0<\/strong><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Not all banks are horrible! If you&#8217;re looking for a high-quality online bank, consider <a href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\">CIT Bank.<\/a> I&#8217;ve been a Platinum Savings account holder for nearly 4 years, and have been extremely happy with their competitive interest rates (currently 3.75% APY, or up to 4.10% with a promotional boost \u2014 a lot higher than the national average of about 0.39% for savings accounts), responsive and easy to reach customer service department, and user-friendly banking platform. <a href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\">Check out CIT Bank today<\/a>.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<\/div>\n    <\/div>\n\n\n\n<h2 id=\"h.sabeqluubwcx\"><strong>The 7 Worst Banks in America:<\/strong><\/h2>\n\n\n\n<h2 id=\"h.vncratcyb0uz\"><strong>1. Silicon Valley Bank<\/strong><\/h2>\n\n\n\n<p>Until 2023, Silicon Valley Bank (SVB) was a regional bank in California that catered to the startup and tech community, to the tune of $200 billion in assets. Now, it\u2019s considered one of the worst banks in the world.<\/p>\n\n\n\n<p>In March 2023, the bank collapsed and was taken over by the Federal Deposit Insurance Corporation (FDIC). <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-4.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>The bank failed for two main reasons:<\/p>\n\n\n\n<ul>\n<li><strong>Poor investment choices<\/strong>. Namely, locking up $80 billion in deposits into 10-year U.S. Treasuries at low interest rates. As the Federal Reserve raised rates, those Treasuries dropped in value; SVB had to sell them at a loss to cover withdrawals. <\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>A big bank run<\/strong>. SVB clients held billions of dollars at the bank. As losses began to mount, they attempted to withdraw a total $42 billion in funds, which SVB could not cover.<\/li>\n<\/ul>\n\n\n\n<p>But the collapse was just the beginning\u2026<\/p>\n\n\n\n<p>You see, the FDIC insures deposits up to $250,000. The problem? Over 90% of SVB\u2019s bank accounts were over that amount. After a frenzied few days, the U.S. government stepped in and extended a special provision to refund all depositors, regardless of account size. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-5.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>The aftermath? <\/p>\n\n\n\n<ul>\n<li>Silicon Valley Bank <a href=\"https:\/\/www.theguardian.com\/business\/2023\/mar\/13\/hsbc-buy-silicon-valley-banks-uk-tech-startups\" target=\"_blank\" rel=\"noopener\">sold<\/a>&nbsp;its EU bank to HSBC for only $1<\/li>\n\n\n\n<li>First Citizens Bank <a href=\"https:\/\/www.wsj.com\/articles\/first-citizens-acquires-much-of-failed-silicon-valley-bank-5a4545f\" target=\"_blank\" rel=\"noopener\">acquired<\/a>&nbsp;the U.S. commercial business&nbsp;in late March 2023. <\/li>\n<\/ul>\n\n\n\n\n\n\n<h2 id=\"h.uk3lpwm6a65x\"><strong>2. Bank of America<\/strong><\/h2>\n\n\n\n<p>Dating back to 1904, Bank of America is among the older banks in the U.S. It\u2019s also one of the largest, with over $3 trillion in assets.<\/p>\n\n\n\n<p>But according to its millions of customers, it\u2019s a terrible place to park your money\u2026<\/p>\n\n\n\n<ul>\n<li>Bank of America has over 2,000 one-star reviews on the Consumer Affairs website. <\/li>\n\n\n\n<li>According to the Consumer Finance Protection Bureau (CFPB), Bank of America <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/consumer-complaints\/search\/?chartType=line&amp;dateInterval=Month&amp;date_received_max=2022-12-31&amp;date_received_min=2022-01-01&amp;lens=Product&amp;searchField=company&amp;searchText=BANK%20OF%20AMERICA%2C%20NATIONAL%20ASSOCIATION&amp;subLens=sub_product&amp;tab=Trends\" target=\"_blank\" rel=\"noopener\">received<\/a>&nbsp;over 13,000 formal complaints in 2022 alone.<\/li>\n\n\n\n<li>The bank\u2019s signature products are some of the most-mentioned in complaints.<\/li>\n\n\n\n<li>Customer complaints include mentions of poor customer service, long hold times, and hidden fees.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-2.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>Additionally, Bank of America is constantly getting <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/federal-regulators-fine-bank-of-america-225-million-over-botched-disbursement-of-state-unemployment-benefits-at-height-of-pandemic\/?_gl=1*1qm8fqe*_ga*MTMwNjc5MzE0OS4xNjc5OTM0NjA4*_ga_DBYJL30CHS*MTY3OTkzOTI2MS4yLjEuMTY3OTkzOTgzNy4wLjAuMA..\" target=\"_blank\" rel=\"noopener\">sued<\/a>&nbsp;by regulators. <\/p>\n\n\n\n<p>Despite its long history and massive customer list, Bank of America is one of the worst-rated active banks in the U.S.<\/p>\n\n\n\n<p><strong>2026 Update on fees:<\/strong> Bank of America has made some voluntary changes to its fee structure \u2014 the bank reduced its overdraft fee from $35 to $10 and eliminated non-sufficient funds (NSF) fees entirely. These changes followed years of regulatory pressure and were part of a broader industry trend.<\/p>\n\n\n\n<p>However, there&#8217;s an important catch. These lower fees are voluntary \u2014 not required by law. The CFPB finalized a rule in late 2024 that would have capped overdraft fees at $5 for large banks, but that rule was blocked and never took effect. Bank of America&#8217;s current lower fees could theoretically be raised again at any time, and with the CFPB&#8217;s enforcement capacity dramatically reduced, there&#8217;s less pressure to keep them low.<\/p>\n\n\n\n<h2 id=\"h.i0t9ojhx9782\"><strong>3. Credit One Bank<\/strong><\/h2>\n\n\n\n<p>Credit One Bank focuses on credit cards, particularly for consumers with poor credit profiles. <\/p>\n\n\n\n<p>While it only has $300 million in assets, it brings in a lot of revenue \u2014 over $500 million in 2021 alone. Unfortunately for account holders, a lot of this income is generated through fees.<\/p>\n\n\n\n<p>It\u2019s not hard to see why this is one of the banks rated worst in America. The company has thousands of one-star reviews and plenty of customer complaints. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-6.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>Customer complaints center around:<\/p>\n\n\n\n<ul>\n<li>Credit One\u2019s collections practices<\/li>\n\n\n\n<li>Hidden fees<\/li>\n\n\n\n<li>Incorrect charges<\/li>\n\n\n\n<li>Reports of credit cards never being received <\/li>\n\n\n\n<li>High fees with low credit limits<\/li>\n<\/ul>\n\n\n\n<p>True, Credit One Bank offers cards to those with poor credit. But their long list of hidden fees and confusing banking terms can make it tough for customers to actually improve their credit scores. <\/p>\n\n\n\n<h2 id=\"h.xo74y8syfa43\"><strong>4. Wells Fargo<\/strong><\/h2>\n\n\n\n<p>Wells Fargo is one of the biggest and most-established banks on this list:<\/p>\n\n\n\n<ul>\n<li>It was founded in 1852<\/li>\n\n\n\n<li>It currently has over 70 millions customers in 35 different countries<\/li>\n\n\n\n<li>It currently has over $2 trillion in assets \u2014 and growing, after the Federal Reserve removed its asset cap in 2025<\/li>\n<\/ul>\n\n\n\n<p>Wells Fargo is infamous for a <a href=\"https:\/\/www.usatoday.com\/story\/money\/2016\/09\/08\/wells-fargo-fined-185m-over-unauthorized-accounts\/90003212\/\" target=\"_blank\" rel=\"noopener\">high-profile scandal<\/a>&nbsp;that involved employees opening millions of fake accounts under customer names in order to earn a commission. <\/p>\n\n\n\n<p>Wells Fargo was fined $185 million for the scandal, and many (rightfully) outraged customers moved their money elsewhere. It became known as one of the worst banks in the world.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-3.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>Even today, there are a large number of complaints lodged against Wells Fargo.<\/p>\n\n\n\n<p>Nearly 11,000 formal complaints were filed with the CFPB in 2022 alone. Customers took issue with a number of things, including:<\/p>\n\n\n\n<ul>\n<li>Hidden fees<\/li>\n\n\n\n<li>Loan reporting and payment issues<\/li>\n\n\n\n<li>Incorrect charges<\/li>\n<\/ul>\n\n\n\n<p>Wells Fargo is still huge and still in business, but it struggles with servicing customers well and is considered one of the most-hated banks in the U.S. <\/p>\n\n\n\n<p>2026 Update: In a major development, the Federal Reserve lifted Wells Fargo&#8217;s $1.95 trillion asset cap in June 2025 \u2014 a growth restriction that had been in place since 2018 as punishment for the fake accounts scandal. The Fed determined that the bank had met all conditions required for removal, including improvements to governance and risk management. Then, in March 2026, the Fed formally terminated the entire 2018 enforcement action altogether.<br>Bottom line: Wells Fargo is no longer operating under any federal restrictions for the first time in nearly a decade. Whether that means the bank has truly reformed or simply outlasted its punishment is for consumers to judge carefully.<\/p>\n\n\n    <div id=\"callout-box-block_00e9cfb7c433bba0cfe427b2a3ba015e\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><!-- wp:paragraph --><\/p>\n<p><strong>At a glance: better banking options<\/strong><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Not all banks are horrible! Here some of our our top picks for banking in the U.S.:<strong><br \/>\n<\/strong><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<ul>\n<li>Online-only, low fees, great APYs, plenty of perks: <a href=\"https:\/\/www.wallstreetzen.com\/go\/varo\" target=\"_blank\">Varo Banking<\/a><\/li>\n<li>One of the best high-yield cash account rates out there: <a href=\"https:\/\/www.wallstreetzen.com\/go\/m1-finance\" target=\"_blank\">M1 Finance<\/a><!-- wp:paragraph --><\/li>\n<li>Full-service, great interest rates, bonuses: <a href=\"https:\/\/www.citi.com\/\" target=\"_blank\" rel=\"noopener\">Citi<\/a>\u00ae<\/li>\n<\/ul>\n<p><!-- \/wp:paragraph --><\/p>\n<\/div>\n    <\/div>\n\n\n\n<h2 id=\"h.buy9e9word2k\"><strong>5. U.S. Bank<\/strong><\/h2>\n\n\n\n<p>U.S. Bank has a few things in common with Wells Fargo\u2026<\/p>\n\n\n\n<ul>\n<li>It\u2019s old \u2014 U.S.&nbsp;Bank was founded 100+ years ago.<\/li>\n\n\n\n<li>It\u2019s big \u2014 the fifth-largest bank in America, with $500 billion in assets.<\/li>\n\n\n\n<li>It got in trouble for faking a bunch of customer accounts <\/li>\n<\/ul>\n\n\n\n<p>That\u2019s right. In 2022, U.S. Bank was <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-fines-us-bank-37-5-million-for-illegally-exploiting-personal-data-to-open-sham-accounts-for-unsuspecting-customers\/#:~:text=U.S.%20Bank%20must%20make%20harmed,said%20CFPB%20Director%20Rohit%20Chopra.\" target=\"_blank\" rel=\"noopener\">fined<\/a>&nbsp;$37.5 million for opening fake accounts with customer information. But that\u2019s just one piece of the scandalous pie. Since 2000, U.S. Bank has paid out over $1 trillion in settlements, penalties, and fines. <\/p>\n\n\n\n<p>From a customer standpoint, that\u2019s a major cause for concern.<\/p>\n\n\n\n<h2 id=\"h.5cr2m6g6irpf\"><strong>6. Fifth Third Bank<\/strong><\/h2>\n\n\n\n<p>Fifth Third Bank has over 1,000 branches in 11 states and over $200 billion in assets.<\/p>\n\n\n\n<p>It may be small compared to some other national banks, but it has received its fair share of complaints, including 500 one-star reviews from Consumer Affairs and over 1,200 formal complaints to the CFPB.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-7.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>Complaints center around the following:<\/p>\n\n\n\n<ul>\n<li>Deceptive marketing practices<\/li>\n\n\n\n<li>Hidden fees<\/li>\n\n\n\n<li>Long hold times on deposits<\/li>\n\n\n\n<li>Poor customer service <\/li>\n<\/ul>\n\n\n\n<p>But that\u2019s not all. Like Wells&nbsp;Fargo and U.S.&nbsp;Bank, Fifth&nbsp;Third Bank was <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-files-suit-against-fifth-third-for-allegedly-opening-unauthorized-accounts-enrolling-consumers-in-unauthorized-products\/\" target=\"_blank\" rel=\"noopener\">sued<\/a>&nbsp;for unlawful opening of accounts in customer names, with pending penalties and settlement fees as of 2023.<\/p>\n\n\n\n<h2 id=\"h.uvhjoq3ygjzp\"><strong>7. PNC Bank<\/strong><\/h2>\n\n\n\n<p>PNC Bank is the sixth-largest bank in the U.S., with over $500 billion in assets and millions of customers across 29 states. <\/p>\n\n\n\n<p>They offer everything from mortgage services to checking and savings accounts to personal loans to credit cards.<\/p>\n\n\n\n<p>But according to many unhappy customers, PNC Bank has plenty of unsavory characteristics. Among them?<\/p>\n\n\n\n<ul>\n<li>PNC Bank has received numerous complaints from clients that range from fraudulent activity to overdraft charges, and extremely long hold times for deposits. <\/li>\n\n\n\n<li>The CFPB reports over 2,000 formal complaints in 2022 alone, and Consumer Affairs has hundreds of one-star reviews from customers.<\/li>\n\n\n\n<li>PNC Bank is being <a href=\"https:\/\/www.consumerfinance.gov\/compliance\/amicus\/briefs\/lyons-v-pnc-bank-na-2022\/\" target=\"_blank\" rel=\"noopener\">sued<\/a>&nbsp;in federal court due to the unlawful practice of automatically withdrawing funds from a customer\u2019s account to pay off credit card balances.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/pasted-image-0-8.png\" alt=\"Pasted image 0\"\/><\/figure><\/div>\n\n\n<p>Overall, PNC Bank shows a history of charging fees and lack of protection of customer funds, so it would be wise to bank elsewhere.<\/p>\n\n\n\n<h2 id=\"h.371wvnd3lbwm\"><strong>What Makes These the Worst Banks?<\/strong><\/h2>\n\n\n\n<p>Why do these banks top the list of \u201cbanks with worst security\u201d? Why are they constantly being sued by the U.S. government?<\/p>\n\n\n\n<p><strong>Because they have a continued history of deceptive marketing practices and fraudulent activity.<br><br><\/strong>These things can cost customers more money in the form of hidden fees, hurting your credit score, and\/or signing you up for services you don\u2019t want or need. Unfortunately, lawsuits and settlements haven\u2019t put a dent in these practices.<\/p>\n\n\n\n<p>Recently, there&#8217;s been an incredible rise in the number of alternative banking solutions available to Americans. <a href=\"https:\/\/www.wallstreetzen.com\/blog\/albert-app-review\/\" target=\"_blank\" rel=\"noopener\">Albert Genius<\/a> is one such example, and they&#8217;ve done away with a lot of the predatory banking practices mentioned above. <\/p>\n\n\n    <div id=\"callout-box-block_8d1c411ca252435c9e109d82756c8b79\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><strong data-rich-text-format-boundary=\"true\">The more you know\u2026<\/strong><\/p>\n<p>Because of fractional reserve banking, banks are incentivized to invest your deposits \u2014 whether that\u2019s in the form of customer loans or direct investments in financial instruments like bonds.<\/p>\n<p>As was the case for Silicon Valley Bank, these practices can put your money at risk, especially if you have deposits more than the FDIC-insured amount.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<h2 id=\"h.7v0jjth2ca7l\"><strong>2 of the Best Banks:<\/strong><\/h2>\n\n\n\n<p>While some of the banks on this list are atrocious, here are some better banks to consider: <\/p>\n\n\n\n<h4 id=\"h.qu3osa4zwm59\">CIT Bank<\/h4>\n\n\n\n<p>CIT Bank is an online bank that offers high-yield savings accounts, CDs, money market accounts, and more. Currently, their high-yield savings account (Platinum Savings) offers 3.75% APY \u2014 or up to 4.10% APY with a promotional boost \u2014 which is still many times higher than the national average for savings accounts (about 0.39%).<\/p>\n\n\n\n<p>You might think that you need to fund such a high-yield account with at least $100,000 or more to get such a good rate, but CIT only requires a minimum deposit of $100, although you need to maintain a balance of at least $5,000 to get the aforementioned rate.<\/p>\n\n\n\n<p>These accounts are great for beginners because they don\u2019t require any decisions or maintenance. All you have to do is plop your money into the account and start earning more. That\u2019s it.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\"><strong>Learn more about CIT Bank<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h4 id=\"h.qu3osa4zwm59\">Varo Bank<\/h4>\n\n\n\n<p>Again, it&#8217;s 100% online \u2014 but <a href=\"https:\/\/www.wallstreetzen.com\/go\/varo\" target=\"_blank\" rel=\"noopener\">Varo Bank<\/a>&nbsp;is a real bank, and it has a lot to offer.<\/p>\n\n\n\n<p>Among other things, Varo Bank N.A., Member&nbsp;FDIC, is the first U.S. consumer fintech to receive a national bank charter from the Office of the Comptroller of the Currency. That happened in 2020, and the bank has been wowing customers with its great features ever since. Here are some of its key selling points:<\/p>\n\n\n\n<ul>\n<li><strong>Earn up to 5% Annual Percentage Yield on your savings<\/strong>&nbsp;(much higher than the FDIC-reported national average of 0.33% as of 3\/20\/2023)<\/li>\n\n\n\n<li><strong>No minimums&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>No monthly fees or overdraft fees<\/strong><\/li>\n\n\n\n<li><strong>Send and receive money with Zelle<\/strong><\/li>\n\n\n\n<li><strong>Deposits are FDIC insured up to $250,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Of course, the fact that they have no physical branches might be a problem for some people. But the bank makes it easy to withdraw at 40,000+ fee-free US ATMs in plenty of places you probably already shop, including:<\/p>\n\n\n\n<ul>\n<li>Target (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/tgt\/stock-forecast\" target=\"_blank\" rel=\"noopener\">NYSE: TGT<\/a>)<\/li>\n\n\n\n<li>CVS (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/cvs\" target=\"_blank\" rel=\"noopener\">NYSE: CVS<\/a>)&nbsp;<\/li>\n\n\n\n<li>Safeway, a subsidiary of Albertsons (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/aci\" target=\"_blank\" rel=\"noopener\">NYSE: ACI<\/a>)<\/li>\n<\/ul>\n\n\n\n<p>Want to learn more? Check out our <a href=\"https:\/\/www.wallstreetzen.com\/blog\/varo-bank-reviews\/\" target=\"_blank\" rel=\"noopener\">Varo Bank review<\/a>.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"wallstreetzen.com\/go\/varo\" target=\"_blank\" rel=\"noopener\"><strong>Learn more about Varo<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h4 id=\"h.jno6viiuh5tf\"><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h2 id=\"h.qb15l3580o02\"><strong>Final Word: The Worst Banks in America<\/strong><\/h2>\n\n\n\n<p>What do the worst banks in America have in common? It\u2019s not just about size\u2026<\/p>\n\n\n\n<ul>\n<li>They\u2019re intentionally misleading. <\/li>\n\n\n\n<li>They offer poor service to customers. <\/li>\n\n\n\n<li>Plus, many of them have been sued for billions of dollars!<\/li>\n<\/ul>\n\n\n\n<p>In short, these banks don\u2019t deserve your business. <\/p>\n\n\n\n<p>Be sure to do your homework and read the fine print before you open an account!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n\t\t<div class=\"wp-faq-schema-wrap\">\n\t\t\t\t\t\t\t<h2>FAQs:<\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3>Which bank has most complaints?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Bank of America has the most complaints of any bank in the U.S., and also has more one-star reviews on consumer review websites. Customers consider it one of the banks with worst security and report poor customer service, long wait times, excessive fees, and the bank holding their money for no reason.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What bank has the worst reputation?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Wells Fargo has the worst reputation in the United States. It became one of the nation\u2019s most-hated banks after the fallout from the huge scandal that involved employees opening millions of fake accounts in customers\u2019 names. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Who is the number 1 bank in America?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The largest bank in America is J.P. Morgan Chase (commonly called Chase Bank), with over $3 trillion in assets and nearly 5,000 bank branches around the country. Chase offers checking and savings accounts, loans, rewards credit cards, wealth management, private client services, and commercial banking and loans.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Which are the safest banks in USA?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Most larger banks in the USA are considered \u201csafe\u201d due to FDIC insurance (up to $250,000) and a much wider client mix that would make it very difficult to cause a \u201crun on the bank.\u201d If you have more than $250,000 to deposit into a single account, you should always ask if additional deposit insurance may be available to protect your funds.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Is the CFPB still protecting consumers from bad banks?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The CFPB is still operational, but its scope has been significantly scaled back since early 2025. The agency has dropped more than 40 enforcement actions filed under the previous administration, narrowed its supervisory priorities, and seen its funding reduced by roughly half through the One Big Beautiful Bill Act passed in July 2025. The Trump administration is seeking court approval to cut the agency's workforce from around 1,700 employees (as of January 2025) to roughly 556, though that restructuring plan remains tied up in litigation as of April 2026. For now, the consumer complaint portal is still operating, but staff reductions and dropped cases mean the bureau's enforcement footprint is much smaller than it was a year ago.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>2023 was a tough year for banks. Several failed, and we experienced the second-largest bank failure in U.S. history. It might have you wondering where your money is safe. Don\u2019t worry \u2014 most banks are considered safe for everyday banking needs. However, there are a few that are just plain awful. This article\u2019s dedicated to [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":7817,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[36],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rating the Worst Banks: Security and Corruption Concerns<\/title>\n<meta name=\"description\" content=\"Learn about security and corruption concerns with certain banks, and how to protect your finances. Explore reviews and ratings from trusted sources to find the best bank for your needs, and discover tips for safeguarding your personal and financial information. 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