--- title: Best Banks and Credit Unions of the Mid-Atlantic for 2027 description: Money looked at dozens of financial institutions to find the best banks and credit unions of the Mid-Atlantic for 2027. authors: - name: Kat Tretina role: Contributor url: https://money.com/author/kat-tretina/ education: B.A in English and Communications from Elizabethtown College, M.A. in Communications from West Chester University at_money_since: 2025 articles: 31 covers: - Banking - Insurance - Loans former_staff: true editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 133 covers: - Banking - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2026-10-14T14:49:16.000Z' modified: '2026-10-14T17:50:04.000Z' section: Banking tags: - best banks word_count: 804 canonical: https://money.com/best-banks-and-credit-unions-midatlantic/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Banks and Credit Unions of the Mid-Atlantic for 2027](https://img.money.com/2025/10/Best-Banks-2026-MidAtlantic-States-mbci_9st04__8ot54y.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ### TOP PARTNER ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/7c8574422bdc?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&bidid=4235489217&pmeta=p129-c561-u43945&ptid=685186951&ptoken=2b619e4720b8b1531d7a8cbe773b896a&ua=Mozilla%2F5.0+AppleWebKit%2F537.36+%28KHTML%2C+like+Gecko%3B+compatible%3B+ClaudeBot%2F1.0%3B+%2Bclaudebot%40anthropic.com%29&zip=43215) **Up to 3.30% APY² with eligible direct deposit or $5,000 or more in qualifying deposits during the 31-day evaluation period.** - Limited Time Offer - +0.90% Boost on Savings APY to up to 4.20% for up to 6 months on new accounts. Terms apply.8  - $0 min. balance to earn APY - Open Checking & Savings Accounts with 1 Sign Up - Up to 2-Day-Early Paycheck3 - Access additional FDIC insurance up to $3M on deposits4 - No Account Fees5 & No-fee Overdraft Coverage6 \*Terms Apply **\[AFFILIATE LINK: Open SoFi Account Today\]** * * * ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/40232/medium_cfa5e5b0-4ccd-4dc6-814f-910bb4151eb3.webp) Our Partner [Sign Up](https://money.com/go/3277613c10d5?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&bidid=4235489218&pmeta=p129-c561-u43945&ptid=685186951&ptoken=dc1eef0eebb90987c7fb829a95e68ec5&ua=Mozilla%2F5.0+AppleWebKit%2F537.36+%28KHTML%2C+like+Gecko%3B+compatible%3B+ClaudeBot%2F1.0%3B+%2Bclaudebot%40anthropic.com%29&zip=43215) **Earn 4.25% APY\* for 6 months with $5k min. balance when you open a Platinum Savings Account** - $5,000 min. balance to earn top APY - $100 minimum deposit to open an account - No account opening or monthly service fees - Member FDIC \*Boosted rate for 6 months; 3.75% APY after. \*Enter promo code BOOST50 for APY bonus. Rate as of 9/29/2026. **\[AFFILIATE LINK: View CIT Bank Offer\]** * * * ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/40546/medium_c4df0da9-32d5-4f39-9172-e02e18571a8d.webp) Our Partner [Sign Up](https://money.com/go/ced0e71adf5e?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&bidid=4235489219&pmeta=p129-c561-u43945&ptid=685186951&ptoken=18b5c01fc5605747ef15b73cbed93c53&ua=Mozilla%2F5.0+AppleWebKit%2F537.36+%28KHTML%2C+like+Gecko%3B+compatible%3B+ClaudeBot%2F1.0%3B+%2Bclaudebot%40anthropic.com%29&zip=43215) **Earn Up to 4.35% APY (inclusive of 0.35% APY Boost)\*\*** - $500 minimum opening deposit - Keep more of your money with no fees - Trusted device security with quick face or fingerprint login - Member FDIC, Santander Bank, N.A. Rates as of 10/14/2026 \*\*New Customers only. Terms Apply. Santander Bank, N.A. Member FDIC. The APY Boost will apply for (6) months from the date the account is opened. **\[AFFILIATE LINK: View Openbank Offer\]** ## Key Takeaways - Money's top pick for the best bank in the Mid-Atlantic region is M&T Bank. Recognized as the top regional bank due to its extensive branch and ATM footprint across 13 states and D.C., M&T offers fee-free checking options and competitive APYs on its CDs. - Specialized winners were selected for their higher-than-average APYs and outstanding customer satisfaction. Capital One was noted for its high yields and for receiving a top Mid-Atlantic JD Power score, while PNC Bank offers extensive CD terms ranging from seven days to 10 years, while Atlantic Union Bank was picked for its standout money market accounts. - Money's evaluation process prioritizes regional value and accessibility. The 2027 rankings evaluated regional, community and national banks with a core Mid-Atlantic presence, focusing on low account fees, competitive APYs, branch/ATM networks and regional JD Power retail satisfaction rankings. Regional and community banks and credit unions can stand out from their nationwide and online counterparts by offering personalized services, higher-than-average annual percentage yields (APYs), account options and in-person banking with bankers who are familiar with community economics. There are a number of regional and community banks and credit unions, as well as national chains with strong regional presences, in the Mid-Atlantic from Delaware and Maryland to Virginia and Washington, D.C. To select the best regional banks and credit unions, Money analyzed data from dozens of financial institutions, including account fees, branch and ATM networks, interest rates and customer satisfaction rankings. Here are Money's picks for the best banks and credit unions in the Mid-Atlantic for 2027: - **[M&T Bank](#mtb):** Best Overall - **[Capital One](#capone):** Best for Savings Accounts - **[TD Bank](#td):** Best for Checking Accounts - **[PNC](#pnc):** Best for CDs - **[Atlantic Union Bank](#atlantic):** Best for Money Market Accounts \**Rates and APYs are current as of Oct. 9, 2026.* ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [SEE OFFER](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F) ## Best Overall: M&T Bank ![](https://s3.consumersadvocate.org/prd/image/image/18655/large_897cbb00-dfd7-46f5-bb05-d03181e56531.png) [Sign Up](https://money.com/pr/wa47f92f0d5c?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&url=) [M&T Bank](https://money.com/pr/ddef5141f2ae?data-trk-company=m-and-t-starter-savings-account-review&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=ddef5141f2ae&encoded_id=) operates in 13 states and the District of Columbia, with its service area mainly in the Northeast and Mid-Atlantic regions. With a widespread branch network in the Mid-Atlantic and a diverse range of bank account options, M&T Bank is Money's choice as the best overall bank in the region. M&T Bank offers several checking account options, including fee-free checking and interest-bearing accounts that have no minimum balance requirements. Plus, M&T Bank has CDs with significantly higher-than-average APYs. Depending on the CD term, you can earn up to 3.85% APY. The bank has over 900 branches and 2,100 ATMs, so you can find a location near you for personalized help. **Pros** - Free interest-bearing checking accounts - No minimum balance requirement for checking accounts - Significantly higher-than-average APYs on CDs **Cons** - Lower ranking in the JD Power Study - Monthly fee on savings accounts - High deposit requirement to earn interest in money market accounts ## Best for Savings Accounts: Capital One ![](https://s3.consumersadvocate.org/prd/image/image/10557/large_faa620b8-68bc-44fa-9370-2f0937de3bab.png) [SEE OFFER](https://money.com/pr/h4e6e198b5d3?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&url=) To grow your money, [Capital One](https://money.com/pr/u5095cbeadab?data-trk-company=capital-one-savings-accounts-review&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=u5095cbeadab&encoded_id=) offers useful savings tools. Its 360 Performance Savings account has no minimum balance requirement, nor does it charge monthly maintenance fees. With your savings account, you can earn 3.1% APY, a rate that is nearly 10 times the national average. Capital One also has savings accounts for kids without monthly fees or maintenance fees, and parents can monitor the accounts to help their children build financial literacy skills. Plus, JD Power ranked Capital One first out of nine banks in the Mid-Atlantic region in the U.S. Retail Banking Satisfaction Study. **Pros** - Higher-than-average APY on savings accounts - No minimum deposit or monthly fees - Top-rated for customer satisfaction in the JD Power Study **Cons** - No money market accounts - Limited CD terms - Few physical branches ## Best for Checking Accounts: TD Bank ![](https://s3.consumersadvocate.org/prd/image/image/7479/large_48ed31d1-8eb0-49ba-b7de-0a306fc62580.png) [SEE OFFER](https://money.com/pr/uc606ced05f3?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&url=) [TD Bank](https://money.com/pr/xf337d1f1e90?data-trk-company=td-bank-savings-review&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=xf337d1f1e90&encoded_id=) operates in 15 states, primarily on the East Coast, and Washington, D.C. It has several checking account options, including a low-cost TD Essential Banking account and an interest-bearing checking account~, TD Beyond Checking~. Although TD Bank does charge monthly service fees, you may be eligible for a fee waiver if you meet certain criteria, such as receiving direct deposits or maintaining a minimum daily balance of $2,500. Additionally, the bank has a special offer for new customers: If you open a new checking account and complete qualifying direct deposits, you could receive up to $300. **Pros** - Highly-rated in the JD Power Retail Banking Study - Bonus offer for new customers - Interest-bearing checking accounts available **Cons** - Monthly fees on checking accounts - Paper statement fees apply - Lower-than-average APY on savings accounts ## Best for CDs: PNC ![](https://s3.consumersadvocate.org/prd/image/image/8109/large_334c78a9-8089-450d-af68-0348d02e39eb.png) [SEE OFFER](https://money.com/pr/gd7af27ed7d8?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&url=) [PNC](https://money.com/pr/yff9267a6af4?data-trk-company=pnc-savings-accounts-review&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=yff9267a6af4&encoded_id=) operates in 28 states, including Delaware, Maryland and Virginia as well as Washington, D.C. While it offers several digital banking options, the convenience of brick-and-mortar branches is a useful perk. With PNC's CDs, you can earn an APY as high as 4.25% APY. And while some banks have few CD terms, PNC Bank has term options ranging between seven days and 10 years. It also offers numerous banking products, including checking accounts and savings accounts. Its checking accounts offer perks like fee waivers and ATM fee reimbursements. **Pros** - Brick-and-mortar branches throughout the Mid-Atlantic region - Higher-than-average APYs - Extensive ATM network **Cons** - Lower ranking in the Mid-Atlantic region on the JD Power Study - Poor Trustpilot reviews - Low APYs on savings accounts ## Best for Money Market Accounts: Atlantic Union Bank ![](https://s3.consumersadvocate.org/prd/image/image/40320/large_3592bd17-1686-4914-9b71-dec53aedb157.webp) [Sign Up](https://money.com/pr/z30239178484?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&url=) [Atlantic Union Bank](https://money.com/pr/fdbf83bdf79d?data-trk-company=atlantic-union-bank-savings-accounts-review&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=fdbf83bdf79d&encoded_id=) has a limited presence in the Mid-Atlantic region, but if you live in an eligible state, you can take advantage of its money market accounts. Customers can open a money market account with $500 while earning 2.25% APY, which is significantly higher than the national average. Atlantic Union Bank also has a strong reputation for its customer service. JD Power ranked the bank second out of nine banks in the Mid-Atlantic region in its U.S. Retail Banking Satisfaction Study. Potential customers should be mindful that the bank requires a $1,000 minimum deposit for its CDs. Atlantic Union Bank's checking account options include a fee-free checking account and a PRISM Checking account for teens, young adults and customers ages 62 and over. **Pros** - Highly rated for customer satisfaction in the JD Power study - Higher-than-average APYs on money market accounts - No minimum balance to earn interest on money market accounts **Cons** - $500 minimum deposit requirement for money market accounts - Smaller branch and ATM networks - Limited CD terms ### Up to 2-day-early paycheck ![View Rates](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [View Rates](https://money.com/go/046d005057d8?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&bidid=4235489229&pmeta=p129-c561-u39720&ptid=685186955&ptoken=cf457f4b7dcf8d6c4e5cccd56997ec06&ua=Mozilla%2F5.0+AppleWebKit%2F537.36+%28KHTML%2C+like+Gecko%3B+compatible%3B+ClaudeBot%2F1.0%3B+%2Bclaudebot%40anthropic.com%29&zip=43215) ### Open an account in 5 minutes ![View Rates](https://s3.consumersadvocate.org/prd/image/image/40232/medium_cfa5e5b0-4ccd-4dc6-814f-910bb4151eb3.webp) Our Partner [View Rates](https://money.com/go/6738910f08c4?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&bidid=4235489230&pmeta=p129-c561-u39720&ptid=685186955&ptoken=e1a5748416302ceb124b1cb7492aefd7&ua=Mozilla%2F5.0+AppleWebKit%2F537.36+%28KHTML%2C+like+Gecko%3B+compatible%3B+ClaudeBot%2F1.0%3B+%2Bclaudebot%40anthropic.com%29&zip=43215) ### $500 minimum opening deposit ![View Rates](https://s3.consumersadvocate.org/prd/image/image/40546/medium_c4df0da9-32d5-4f39-9172-e02e18571a8d.webp) Our Partner [View Rates](https://money.com/go/6d8f747ead33?ap_referrer=%2Fbest-banks-and-credit-unions-midatlantic%2F&bidid=4235489231&pmeta=p129-c561-u39720&ptid=685186955&ptoken=5e65053f8419cddab247378a05ea112c&ua=Mozilla%2F5.0+AppleWebKit%2F537.36+%28KHTML%2C+like+Gecko%3B+compatible%3B+ClaudeBot%2F1.0%3B+%2Bclaudebot%40anthropic.com%29&zip=43215) ## FAQs ### What is a regional bank, and how does it differ from a national or online bank? A regional bank operates within a specific geographic area or multi-state region, sitting in the sweet spot between small community banks and massive national institutions. Unlike national banks, which maintain thousands of branches across the country, regional banks focus their resources locally. Unlike online banks, which have lower overhead due to no physical locations, regional banks offer full-service physical branches alongside modern digital platforms. ### Why would I choose a regional bank over an online bank with higher interest rates or a national bank with branches across the country? Regional banks offer a balance of personalized service and competitive terms. Compared to national banks, regional banks feature localized underwriting, lower average account fees and bank officers who understand regional economic conditions. Compared to online banks, regional banks provide physical locations for cash deposits, notary services and face-to-face banking services, while still providing access to competitive APYs and modern mobile apps. ### Are my deposits as safe at a regional bank as they are at a giant national bank? Yes, your deposits are just as safe in a regional bank as they are in a national bank. Reputable regional banks are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per ownership category. ## How we chose the best banks and credit unions of the Mid-Atlantic for 2027 To select the best banks and credit unions in the Mid-Atlantic area, we looked at regional and community banks with a core presence in Delaware, Maryland and Virginia as well as Washington, D.C. We researched each bank's products, fees, interest rates, branches and ATM networks. We also considered their ranking in the JD Power Retail Banking Satisfaction Study and prioritized banks that offered higher-than-average APYs and lower fees than available through traditional banks. AI was not used in the sourcing of Best Banks data, the analysis of that data or the content subsequently produced by Money's editorial team. 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