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US banks, like any other civilized state, play an important role in the development of the economy. They lend to businesses, contributing to the growth of production, as well as the population by increasing consumer consumption, and are considered arteries of the financial system. Despite the classical banking system in Europe, where there are central banks and a system of commercial banking institutions, the current US banking solutions are fundamentally different from this approach.
Federal banks are members of the Fed. The rating of the largest US banks includes JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, The Bank of New York Mellon, US Bancorp, HSBC Bank USA, PNC Financial Services, and others with total assets of less than 300 billion US dollars.
Another group of US banks is investment banks. This group appeared after the tightening of legislation in the field of banking during the Great Depression when banks were prohibited from combining lending and depositing activities and carrying out investment operations with securities.
Investment banks carry out investment and trust operations with securities. They can both redeem corporate bonds and manage and store clients' bonds in their accounts.
In the end, it should be noted that today the US banking solutions have the right to create banking and financial conglomerates (holdings), which allows them to engage in both commercial and investment activities. In this regard, the division into commercial and investment banks is already outdated. Especially after the adoption of the 1999 Law on Financial Modernization. Examples of such holdings are JPMorgan Chase, Bank of America, Citigroup Inc., and others.
Dave is digital banking service that works off of tips and subscription fees rather than overdraft fees. Dave is mostly famous for free cash advance as opposed to expensive overdraft fees. The company doesn't take comission fees on interest or origination or similar fees, but charges for expedited service and monthly fee to use it.
Ally is bank company with main office Sandy. Company provides financial services, including autofinancing, corporate financing, insurance, mortgage, broker services and online banking. Ally is one of the bigger auto creditors in US based on volume of credits and is in top 20 US banks.
Penfed is one of the biggest US banks that offers checking and savings accounts, credit cards, auto loans, mortage and home equity, personal loans, student loans and etc. Penfed was founded in 1935 and full banks name is Pentagon Federal Credit Union.
It was founded in 2019 as a result of merge of BB&T and Suntrust. It's in 10 biggest banks in the US. It was founded in North Carolina. The company works in 2249 cities and 15 east states and Columbia, offers wise variety of retail, commerce and banking services, for example asset management, stocks management, mortgage and insurance.
Varo bank offers services of online banking that allow clients to manage their funds wherever they want without monthly fee. Varo has broad ATM network and makes it easy to manage your checking and saving transactions. In 2020 Varo became the first US consumer fintech company to receive a national bank charter, allowing it to offer FDIC insurance and expand its banking services.
Lili is one of the 50 Most Innovative Companies in the World 2022, it was nominated by FastCompany, Lili brings you banking designed for your small business. Lili customers gain access to plenty optimized tools that iclude checking account that uses tax-saver technology, accounting software, invoicing software as well as 1.5% APY savings.
Current is mobile banking done better according to their website. You can earn 4% APY on your Savings. There are no overdraft or hidden fees, also it's considered to be fintech-company, not a bank. Current has mobile app and provides debit card.
Scarlet bank offers next features: walgreens cash rewards, free reasy direct deposit, free to add cash, possibility to waive the monthly fee. You can also create up to four subaccounts and each person will get their own debit card. Also scarlet bank makes possible to control financial goals inside app, get account alerts and paying bills just in time
Found is considered to be all-in-one banking app for your business. Bank is built primarily for self-employed and it's business checking simplifies your taxes, invoicing, bookkeeping and other operations. You can also run reports, categorize expenses, send invoices, save receipts and pay taxes - that all can be done from the app. Sign up is also free, there are no credit checks, no minimum balance, no monthly maintenance fees and no hidden fees.
Albert is building a better banking, that's saving, investing and planning budget solution. Albert card also gives you cash back. You can set up direct deposit and your paycheck will be available up to 2 days earlier. After that you can save, manage and invest in the app.
Bank of Americe is United States financial conglomerat that provides wide variety of financial service to individuals and business. Bank of America is one of four biggest US banks - Citigroup, Wells Fargo and JPMorgan Chase. According to wikipedia there are 213000 people work for Bank of America and bank market cap is 357.3 bln. (more in 2022)
Chase is well-known US bank, one of the oldest, which fas founded in 1799. Main office of Chase is situated in New-York, state New-York. Chase is subsidiary of JPMogran Chase and it works on personal and business banking. Chase Total Checking doesn't have opening deposit but has monthly fee of 12$ that can be waived by meeting one of few requirements. Chase bank also has mobile app and offers investmen products.
BMO Harris bank is bank located in Chicago, state Illinois. BMO Harris is member of Federal reserve sysyem and has branches in Illinois, Indiana, Arizona, Missouri, Minnesota, Kanzas, Florida, Wisconsin and California. Bank was founded in 1882.
Captita one is one of ten biggest United States banks with 755 departments and 2000 ATMs. Besides US Capital One leads its business in Canada and United Kingdom. Company was one of pioneers in mass marketing of credit card in 1990s and is 5th in the US for issuing bank cards, third for issuing Visa and MasterCard.
Bluerbird is financial account that offers you flexible and convenient control of your money. It doesn't have monthly fees and many other fee-free features. Actions you can do inside bluebird app: Log in easily and acces your available balance and details of all transactions, view direct deposit information, add money from checks with the use of your mobile device, request money from other bluebird accountholders, send money to other bluebird accountholders, use your bluebird card to purchase online or in-store.
Chime is considered to be fintech-company founded with the idea that basic banking services should be helpful, easy and free. They want to profit with their members, not from them. That's why their financial model doesn't rely on overdraft fees, monthly service fees, service fees, minimal balance requirements and etc.
Moneylion allows you to take control of your money with easy-to-use tools that are trusted by millions of people - saving, investing, banking and etc.
Moneylion makes it possible to:
Sable is efortless, borderless banking service. It has next features:
Robinhood is US financial services company with main office in California. It offers comission-free trades of stocks, exchange-traded funds and crypto via a mobile app that was first introduced in 2015. Robinhood is FINRA-regulater broker-dealer, registered with the US Securities and Exchange Commission.
Banks have become such an integral part of our lives that it’s now impossible to imagine the daily routine without them. However, do all banks provide truly convenient services for their users? How convenient it is to use banking solutions on smartphones and how many solutions they provide or force us to go to a bank branch to solve our problems, especially during a pandemic. Here are the top EU banks and banking solutions they offer.
Monzo Bank Ltd is online bank based in the UK, one of the first app-based banks in the United Kingdom. According to their website Monzo is used by over 6 mln. people. They offer free current accounts, joint accounts and business banking.
Payeer is international financial payment system that works according to financial license PSP. Payeer was founded in 2012. According to Payeer website, it's ready to provide payment services for personal needs as well as for business, it works with merchants and crypto services around the world.
Lydia Solutions is a french company created in 2011, it's specialized on the online payments with the use of smartphone. It has mobile app Lydia that allows its users to send and receive funds for free and to pay in shops and websites. Lydia offers Current accounts, Shared accounts, Remunerated accounts, Investing services, Lydia cards, Internet cards and some other services.
Bankera is bank account alternative, it offers IBAN, SEPA and SWIFT payments, physical and virtual cards and more. Bankera is a financial service provider headquartered in Lithuania. Bankera focuses on solutions for digital business individuals.
Vivid is German startup that was founded in 2019 year. Vivid is company that makes possible to open bank accounts in more then 100 currencies, make payments, get cash, invest and exchange cryptocurrency.
Wise is online service for payments that was founded in 2011 year. Before 2021 it was called Transferwise. Money transfers is the main part of company business-processes. According to official website information, every month users send abroad over 5 billions US dollars.
Bunq is international fintech-company with European banking license that works in 30 Europe countries. It was founded in Holland, where its main office is situated at the moment. Bunq gets you freedom to spend, save, transfer and invest money as you wish.
Blackcarcard makes it possible to make europe bank account with attached cryptocurrency wallet within minutes. Work with your finances inside the app! Account of the Blackcatcard is available instantly and opening is free - standard tarriff of the Blackhatcard is 0 euro per month.
This company was founded in 2015 year. It offers current accounts and money transfer service as an alternative to classic banks. Services provides accounts in british pounds, euro and romanian leas, available in 31 country of Europe economic zone.
Revolut is british fin-tech company that offers bank services, according to 2022 doesn't have banking license in the UK. Company with main office in London was founded in 2015 year.
N26 is German internet-bank with main office in Berlin, Germany. At the moment N26 works in Austria, Belgium, Germany, Greece, Denmark, Ireland, Iceland, Spain, Italy and othe countries. It was founded in 2013. According to their website, N26 is The Mobile Bank that helps you manage your bank account on the go and track your expenses. You can open bank account in minutes using your smartphone and start spending right away.
Wirex is British fin-tech company with license of financial regulator FCA. Main product of wirex is platform for online-banking, that allows clients making transfes and exchange operations in cryptocurrency and classic currencies.
Icard is described as fast, convenient and safe payments service. It has more then 1 million users and is trusted when time omes their dailly spendings. For 0 euro per month you have endless opportunities that allow you controlling money effortlessly. Icard gives you free account, 2 free virtual cards and free plastic card.
Paysend is fast, easy and safe mobile app that allows you making money transfers. It allows you making transfers using your bank card to any MasterCard or Union Pay and wallets or bank accounts in more then 150 countries. Their task is to change money transferring in the world.
Terms "High street bank account" describes large retail bank that is widespread in the country, having plenty branches. Terms "High Street bank" is used primarily in the UK and not that often in other countries. Main high street banks in the UK are considered to be Lloyds, NatWest, Santander, Barclays, HSBC, Halifax, Metro Bank.
Our service offers for sale UK high street banks, below you can find descriptions of the banks and links to buy
Lloyds bank is considered to be the biggest retail bank in the United Kingdom. Initially it was founded in 1765 and has huge network of branches and ATMs in England and Wales, it offers 24 hour telephone and online banking services. Lloyds bank offers large variety of services starting from Current accounts, Credit cards, Savings accounts and etc. ending with Investing products, Insurance, Pensions & other different products
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NatWest or National Westminster Bank is one of the biggest personal and business bank in the United Kingdom based in London, England. It was founded in 1968.
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Santander bank, previously called Sovereign Bank is subsidiary of Santander Group based in Boston, US and having it primarily market North-Easy of the United States.
Santander offers large variety of products and services, for example current accounts, savings, mortgages, loans, credit loans and other products.
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Barclays bank is one of the biggest in the UK and world financial conglomerates, it's widespreaded in the Europe, USA and Asia. Conglomerates operations are performed via Barclays Bank PLC, that is second highes bank in UK according to assets.
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