Saturday, July 16, 2011

Services provided by the banks around USA


US banks are the most innovative and effective service provider to its clients and lots of people across the USA are utilizing their services and making their life comfortable and risk free. They are watching each other and the rest of the world, and contemplating what to do next.
Sevices Provided by US banks:

1. Personal Banking Services

The personal banking solutions of US banks are designed to provide the day-to-day banking requirements of consumers. Checking products are easy to operate and come with a host of added benefits like free internet banking, ATM/debit card facilities, online bill payment, monthly statement with image, low opening deposits, and many more. Loan products of American banks are offered in the forms of home equity loans, car loans, and personal loans. Certificates of deposit and passbook savings are the two most preferred forms of savings products.

2. Mortgage Services

Almost all banks offer an collection of mortgage services. These services are designed to take care of the diverse mortgage requirements of customers. Besides providing standard mortgage services, the US banks also offer mortgage calculators to help clients calculate their payment schedules, monthly payments, maximum mortgage amounts, extra payments, and more. Online mortgage services in the US help clients select the best deals. They also make the process of mortgage procurement quite simple and hassle-free.

3. Business Banking Services

The business banking services of US banks support active corporate clients. The business checking accounts take care of the financial requirements of all types of businesses. The common loan products under the business banking include commercial loans and construction loans. Commercial loans are offered for business operation, equipment, and commercial real estate purchases.

4. Other Products and Services

Among the other banking products and services, agricultural loan products and checking accounts of the US banks are worth mentioning. Agricultural loans help to purchase machinery, livestock, and real estate. Agricultural checking accounts are cheap and easy to operate.

5. Internet Banking Solutions

The internet banking solutions of the banks in the USA come with a number of facilities like checking balance, funds transfer, and bill payment at any point of time.

The Largest Banks in the US

The largest banks in the US ranked by deposits, according to FDIC, are:

  1. Bank of America
  2. JP Morgan Chase Bank
  3. Wachovia Bank
  4. Citibank
  5. Washington Mutual Bank
  6. SunTrust Bank
  7. US Bank
  8. Regions Bank
  9. Branch Banking and Trust Company
  10. National City Bank
  11. HSBC Bank USA
  12. World Savings Banks, FSB
  13. Countrywide Bank
  14. PNC Bank
  15. Keybank
  16. ING Bank, FSB
  17. Merrill Lynch Bank USA
  18. Sovereign Bank
  19. Comerica Bank
  20. 20. Union Bank of California


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