The Best Banks for High-Net-Worth Clients, 2026
We studied interest rates, fees, premium services and other account features. These banks rose to the top for high-net-worth clients.
Chances are, you've been with the same bank for years. After all, it's easier to stick with the checking account you have now than to switch to a new one. But every once in a while, it's worth looking at what else is out there.
Even if you're mostly satisfied with your current bank, you may find that a different one better fits your needs, whether with lower fees, higher interest rates, superior in-person services, or more-attractive premium account packages that layer on the perks as your wealth grows. Or you may choose to stick with your current institution for everyday banking and open a savings account or certificate of deposit at an online bank or credit union, taking advantage of high yields on your extra cash.
You'll find plenty of great options to consider here. With the help of LendingTree, which collects deposit-account information, we've analyzed interest rates, fees, balance requirements and other features of accounts at national banks, credit unions, online banks and regional banks, and we've named winners in each of those categories. We've also highlighted two institutions that may be strong choices for customers in each of four profiles: Retirees, high-net-worth clients, travelers and families with kids.
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Customers who keep big balances with these banks reap a host of perks, including personalized wealth management, exclusive rewards and waived fees on many account services. Interest rates change frequently, so before you commit to any of these accounts, check the current yield. Yields and other terms listed here are as of early July.
Citibank
Where it is: About 650 branches the U.S., with many in the Chicago, Los Angeles, New York City, Miami, San Francisco and Washington, D.C., metro areas.
Through its Citigold program, Citibank rolls out the red carpet for those who maintain a monthly balance of at least $200,000 in combined deposit, investment and retirement accounts at Citi. The perks include a dedicated wealth team who help you craft a financial plan, and you get access to Citi Research & Insights, offering market commentary from Citi analysts.
Customers also enjoy waived monthly fees on checking and savings accounts; free standard checks, money orders, cashier's checks and online wire transfers; unlimited reimbursement of out-of-network ATM surcharges globally; and waived foreign-transaction fees on transactions overseas.
Lifestyle benefits are part of the package, too. Members get complimentary access to a few New York City attractions, including the Museum of Modern Art and the New York Botanical Garden, as well as to Citigold lounges, which you'll find in a handful of U.S. cities as well as some international locations. Plus, get an annual rebate of up to $200 on certain subscriptions and memberships, including Amazon Prime, Costco Wholesale, Hulu, Spotify Premium, TSA PreCheck and Global Entry.
With an average monthly balance of $1 million in qualifying accounts, you're eligible for Citigold Private Client, which offers additional benefits, including more-extensive wealth management services, such as legacy and estate planning as well as gifting strategies. You also get extra banking benefits, such as increased ATM withdrawal limits, and $400 in annual subscription rebates.
PNC Bank
Where it is: About 2,300 branches across 27 states and Washington, D.C. (Rates and terms are for customers in Pittsburgh.)
In the spring, PNC debuted its Total Rewards program, which has benefits that increase along with your combined 90-day average balance in eligible PNC deposit and investment accounts. If you have a balance between $25,000 and $99,999, you're eligible for the silver tier, which offers perks such as a 10% boost on the standard interest rate on eligible savings accounts (so a standard rate of 1%, for example, becomes 1.1%), a 5% bonus on rewards with select PNC credit cards, and commission-free online investment trades.
The gold tier, requiring a balance between $100,000 and $499,999, provides a 20% rate boost on savings, a 25% bonus on credit card rewards, and no annual service fee on eligible PNC brokerage accounts. For those with a balance of $500,000 or more, the platinum tier offers a 25% savings account rate boost and a 35% bonus on credit card rewards, among other perks.
PNC also launched Premier Client earlier this year, aimed at customers with more than $100,000 in deposits and investments at PNC. The service includes access to a dedicated personal banker and a dedicated financial adviser, who offer one-on-one guidance. Through 2027, PNC is converting 200 of its existing branches into premier branches that cater to clients of this service.
Those with $3 million or more in assets qualify for PNC's Private Bank. Clients get a team of several advisers, including a wealth strategist and investment adviser, waived fees on many account services, and unlimited reimbursement of out-of-network ATM surcharges.
As your assets grow, so do the financial decisions that come with them. A financial advisor can help you create a personalized strategy for managing wealth, reducing taxes and planning your legacy.
Use the Bankrate tool below to connect with a financial professional and get started today:
Methodology
With data from LendingTree, which collects deposit-account information, as well as from financial institutions and other sources, we evaluated national banks, credit unions, online banks (including online accounts from brokerage firms) and regional banks. We reviewed checking accounts, savings accounts, money market deposit accounts and certificates of deposit.
We looked at features including interest rates; minimum deposit and balance requirements; monthly maintenance fees and the ease of waiving those fees; ATM benefits, such as waived or reimbursed fees for out-of-network withdrawals; free or discounted benefits, such as personal checks, cashier's checks, paper statements and overdraft-protection transfers; overdraft fees; and online and mobile banking features, such as the availability of peer-to-peer payment services. Yields and other data listed in the article are as of early July.
Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.
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