Booking centre
United States
The rules behind every bank page in United States: who licenses banks, what happens to custody assets and deposits if a bank fails, how enforcement decisions are published, and what is shared with tax authorities abroad.
Ranking
Banks rated in United States
#BankBooking centrePPLI.comRating
1
SNSafra National Bank of New YorkSafra National Bank of New YorkUnited States702
JPJPMorgan Chase Bank, National AssociationJ.P. Morgan Private Bank (US)United States64
APBank of America, National AssociationBank of America Private BankUnited StatesUnder review
CPCitibank, N.A.Citi Private Bank (US)United StatesRating in preparation
GSGoldman Sachs Bank USAGoldman Sachs Private Wealth Management (bank)United StatesUnder review
MSMorgan Stanley Private Bank, National AssociationMorgan Stanley Private BankUnited StatesUnder review
BWThe Bank of New York MellonBNY WealthUnited StatesRating in preparation
NTThe Northern Trust CompanyNorthern Trust Wealth ManagementUnited StatesRating in preparation
WFWells Fargo Bank, National AssociationWells Fargo Private BankUnited StatesRating in preparation
SNJPAPCPGSMSBWNTWFThe framework
Licensing, protection and disclosure in United States
Each point links to the source it was checked against on the review date.
Regulator and licensing lawNational Bank Act (12 U.S.C.) for national bank charters; state banking codes for state charters. Federal Deposit Insurance Act for insurance.
Deposit protectionFDIC deposit insurance, run by Federal Deposit Insurance Corporation. Cover: USD 250,000 per depositor, per FDIC-insured bank, for each account ownership category. Currency: USD. What is covered: Checking, savings, money market deposit accounts, certificates of deposit, certain prepaid cards. Not covered: stock, bond and mutual fund investments, annuities, life insurance policies, safe deposit boxes or their contents, municipal securities, U.S. Treasury bills, bonds or notes, crypto assets. Payout: No fixed number of days stated; FDIC says it acts quickly to ensure access to insured deposits is not interrupted. Source
Non-resident clientsNo public rule prohibiting non-resident accounts found. Customer identification programme rules (31 CFR 1020.220) require identification of non-US persons.
State guaranteesFDIC deposit insurance is backed by the full faith and credit of the United States government.
Important information. Editorial opinion of PPLI.com on the date shown, based on public information, client experience and editorial judgment. Not a statement of fact, a credit rating or investment, legal, tax or financial advice; verify with the bank and your own advisers before acting. No liability is accepted for reliance on this content. Bank names and logos are used for identification only. Ratings are updated every quarter. This is the Q4 2026 edition, and a rating can change between editions if something material happens. Full disclaimer
Ratings signed by Noam Cohen, Editor, Bank IntelligenceReviewed 2 November 2026Methodology version 2.3Corrections [email protected]