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Best Banks In Las Vegas

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by Lauren Perez Updated

Finding the Best Banks in Las Vegas

Las Vegas offers a solid mix of both big and regional banks. This allows residents to choose the bank that they feel most comfortable with, whether its a bank with thousands of locations in the country or a bank with more of a community feel. Each bank below offers a great variety of bank accounts, some with better rates than others. 

Bank APY Minimum Deposit Highlights
Wells Fargo Wells Fargo logo Read More 0.01% $25
  • Best National Bank
  • Over 70 branches in Las Vegas
Zions Bank Zions Bank logo Read More 0.10% $25
  • Best Regional Bank
  • 30 branches in Las Vegas
  • Competitive interest rates
Chase Bank Chase Bank logo Read More 0.01% $25
  • Best Customer Service
  • Widespread access in the U.S.
Zions Bank Zions Bank logo Read More 0% $50
  • Best Free Checking Account
  • Overdraft protection
First Security Bank of Nevada First Security Bank of Nevada logo Read More 0.15% $2,500
  • Best High-Yield Checking Account
  • Solid interest rate 
Washington Federal Bank Washington Federal Bank logo Read More 0.10% $25
  • Best Savings Account
  • Low monthly fee
U.S. Bank U.S. Bank logo Read More 0% $25
  • Best for Students
  • No monthly fee

How We Determined the Best Banks in Las Vegas

To find the best banks in Las Vegas, SmartAsset’s experts started with the top 15 banks in the area by branch numbers. We looked at each bank’s personal account offerings, noting each account’s fees, minimum deposits and interest rates. Below, you’ll find the best banks in Las Vegas by various categories to find the one that works best for you.

If you're interested in saving money, consider opening up a CIT Savings Account. Earn over 8 times the national average with a 2.25% APY on balances of at least $25,000 OR monthly deposits of $100 or more with an initial $100 minimum deposit.

Best National Bank: Wells Fargo

Wells Fargo

For Las Vegas residents who want the easiest access to a bank branch, Wells Fargo offers the best option. The bank has 74 branches in Las Vegas. Even when you don’t need a physical branch to bank, Wells Fargo has a thorough online and mobile banking experience. 

Wells Fargo offers a great variety of personal bank accounts from a simple savings account to IRAs. This makes it perfect for customers who want to keep all bank accounts in one spot for easier management. 

Best Regional Bank: Zions Bank

Zions Bank

If you want to bank with a more local institution, Zions Bank operates in nine states in the West. With 30 branches in Las Vegas, the bank maintains a total of 500 financial centers and 600 ATMs. 

Despite its limited physical presence, Zions Bank also offers a great range of bank accounts. You can open a savings account, certificates of deposit, money market accounts and checking accounts. Plus, the bank offers some pretty competitive interest rates on its accounts, especially its CD rates

Best Customer Service: Chase Bank

Chase

Chase offers some of the best bank customer service in the Southwest, according to a customer satisfaction survey. It scored especially high in facilities and account activities, landing it in a top spot for overall satisfaction. Plus, as one of the largest banks, Chase has almost 50 locations in Las Vegas alone, with thousands more locations in 25 other states. 

You can open a few different personal accounts at Chase like savings, checking and CD accounts. Unfortunately, Chase doesn’t offer great rates so you shouldn’t expect any big savings when banking here. You’ll also want to be careful of ATM and monthly service fees. 

Best Free Checking Account: Zions Bank Anytime Checking Account

Zions Bank

The best free checking account for Las Vegas residents is the Zions Bank Anytime Checking account. There is no monthly fee to own the account. You don’t need to worry about meeting any balance or transaction requirements to waive a fee, but you’ll need at least $50 to open the account. This amount is substantially lower than many checking account minimums at other regional banks. 

The account also includes standard overdraft protection transfers which can protect you from paying a high overdraft fee. 

Best High-Yield Checking Account: First Security Bank of Nevada Prime Advantage Checking Account

First Security Bank of Nevada

Want more benefits from a checking account? Consider the interest-earning Prime Advantage Checking account from First Security Bank of Nevada. The account does require a pretty high minimum deposit of $2,500 to open. You’ll also need to maintain this balance to avoid a monthly service charge of $10. 

The account earns at a 0.15% APY on all balances. The account also includes unlimited deposits, check-writing abilities and a free first order of standard checks. 

Best Savings Account: Washington Federal Statement or Passbook Savings Accounts

Washington Federal

Regional bank Washington Federal offers Las Vegas residents the best savings account. Opening a Statement or Passbook Savings account gives you the best rate in relation to the account’s minimum balance and monthly fee requirements. You’ll need at least $25 to open the account, but at least $100 to earn interest and at least $200 to avoid the $4 monthly fee.

If you’re able to maintain at least the $100 balance, you can earn at a 0.10% APY. If you can avoid the fee, you should work toward that so your savings can stay intact. 

Best for Students: U.S. Bank Student Checking

U.S. Bank

Whether you’re from Las Vegas or you’re simply attending school there, U.S. Bank has a student account for you. The bank operates the second-most branches in Las Vegas, totaling at 68 locations. You can find the bank in 25 other states, making it easier for students traveling to and from school and home. 

The U.S. Bank Student Checking account requires only $25 to open. You won’t have to worry about a monthly service fee, although if you’re attached to keeping paper records, you’ll have to pay $2 for each paper statement. You can easily avoid that fee by signing up for eStatements. Plus, U.S. Bank will allow four free non-U.S. Bank ATM transactions per statement period. 

Save more with these rates that beat the National Average
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Best Places to Save

SmartAsset’s interactive map highlights the places in the country where people have the opportunity to save money. Zoom between states and the national map to see the best places to save.

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Rank County Median Household Income Cost of Living Purchasing Power Estimated Tax Rate

Methodology Where you live can have a big impact on how easy it is to save money based on several regional factors. Our study aims to find the most suitable places for people to save based on median household income, average living expenses and income tax burden.

First, we calculated the average cost of living in each county for a household with two adults (one working). We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living.

To better compare income tax burdens across counties, we applied relevant deductions and exemptions before calculating federal, state and local income taxes for a family making $50,000 annual income in each location. Next, we created an effective tax rate index for each county, which reflects the counties with the lowest ratio of income taxes to the assumed $50,000 annual income.

Finally, we calculated the weighted average of the indices to yield an overall best places to save score. We used a three-fourths weighting for purchasing power and a one-fourth weighting for tax rates. We indexed the final number so higher values reflect places that are better to save.

Sources: US Census Bureau 2016 5-Year American Community Survey, MIT Living Wage Study