Large national and regional banks

• Offer many branches, the most ATMs, and may have the greatest variety of services
• Most offer online banking as well as conventional banking locations

Local banks

• Typically have a number of branches within a specific county or adjoining counties
• Sometimes are open longer hours than larger banks
• Savings banks and savings & loan associations are usually local banks, and despite their names, offer a full range of banking services

Online banks

• Typically offer some but not all banking services
• Often provide links to your conventional bank accounts
• May pay higher rates on deposits and charge lower rates on loans

Credit unions

• Not-for-profit organizations that offer banking services
• Range in size from having a national presence to a single office that’s open only a few hours a day

Certain financial services companies

• May offer banking services though their primary business is in another area, such as brokerage or insurance services