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Branches: 1,228 in 11 states

Why it’s a winner: Because Citizens makes it easy to find help. The bank has representatives available by phone at all times and by instant messaging 55 hours a week. Citizens has a robust physical presence, with more than 1,200 locations and almost 3,200 ATMs. Branches are open up to 56 hours a week including weekend hours—putting Citizens in the upper tier on that benchmark. Additionally, Citizens scored well with its customers in the most recent American ­Banker/Reputation survey.

Caveats: This bank isn’t great for interest seekers—the highest-paying savings account offers only 0.03% on $10,000.