Based on recent 2025-2026 data, the Royal Bank of Scotland (RBS) and Virgin Money frequently rank lowest for overall customer service in the UK. For business accounts, The Co-operative Bank and RBS are consistently ranked among the worst. In the US, Wells Fargo is often cited as having the worst reputation.
First Direct and Nationwide achieved the highest customer scores, while Barclays and TSB were the worst-rated banks. See our full table of scores for 12 current account providers.
Seven of the 33 banks with more than $100 billion in assets are above the threshold. The Bank of New York Mellon has a 100% ratio of uninsured deposits, followed by State Street Bank, 92.6%; Northern Trust, 73.9%; Citibank, 72.5%; HSBC Bank, 69.8%; J.P Morgan Chase, 51.7% and U.S. Bank, 50.4%.
Silicon Valley Bank. 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. ...
The 2-2-2 credit rule is a lender guideline, often for mortgages, suggesting you have 2 active credit accounts, each open for at least 2 years, with a minimum $2,000 limit and a history of two years of consistent, on-time payments to show you can handle credit responsibly, reducing lender risk and improving your chances for approval. It emphasizes responsible use, like keeping balances low, not just having accounts.
Wells Fargo Bank, Bank of America, and JPMorgan Chase were the most complained-about banks in the United States, as measured by total number of complaints. They are also the nation's three largest banks based on the size of their deposits.
If you keep more than $250,000 in your savings account, any money over that amount won't be covered in the event that the bank fails. The amount in excess of $250,000 could be lost. The recommended amount of cash to keep in savings for emergencies is three to six months' worth of living expenses.
Key Takeaways. Two small banks, each with a single branch, failed in 2025. Five credit unions were also shuttered by regulators this year. Bank failures are generally uncommon, with only a few occurring in a typical year.
(January 14, 2026) — Arrow Bank National Association received a 5-Star Superior rating from BauerFinancial, Inc., the nation's premier bank rating firm. This marks the 75th consecutive quarter that Arrow Bank has received the highest rating, securing its prominent position as an “Exceptional Performance Bank.”
Following one of the most successful years in United's long history, United Bank has been named the Most Trustworthy Bank in America by Newsweek for 2023.
So which is better - Lloyds or HSBC? It all depends what you're looking for in a bank and account, but Lloyds and HSBC have a pretty similar offer. Both offer online and mobile banking, a wide choice of accounts (including some with rewards and extra benefits) and robust security and protection for your money.
