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Unlocking the Secrets to Discovering the Best Local Banks and Bank Account Selection in St. Petersburg, FL

How to Search and Find The Best local banks and bank account selection information in St. Petersburg, FL

Which bank is the safest in us?
Finding the right local bank and selecting the ideal bank account are crucial steps toward achieving financial stability. St. Petersburg, Florida, a city renowned for its beautiful beaches and cultural attractions, offers a diverse range of banking options. In this blog post, we will guide you through the process of searching for the best local banks and provide essential information for selecting the perfect bank account in St. Petersburg.

Conduct Thorough Research:
Embark on your search for the best local banks in St. Petersburg by following these steps:

a. Online Research: Take advantage of online resources such as Google Maps, Yelp, and local directories to compile a comprehensive list of banks operating in St. Petersburg. Make note of their locations, hours of operation, and customer ratings. a. Online Research: Take advantage of online resources such as Google Maps, Yelp, and local directories to compile a comprehensive list of banks operating in St. Petersburg. Make note of their locations, hours of operation, and customer ratings.

b. Evaluate Bank Reputation and Stability: Look for banks with a solid reputation and a long-standing presence in the community. Ensure they are FDIC insured to guarantee the safety of your deposits.

c. Explore Banking Services: Investigate the range of services offered by each bank. Consider factors such as ATM accessibility, online and mobile banking features, customer service quality, and any unique benefits or rewards programs available.

Assess Different Account Types:
Once you have identified potential banks, evaluate the different types of bank accounts they offer. Consider the following:

a. Checking Accounts: Determine whether the bank offers free or low-cost checking accounts. Look for features such as online bill payment, mobile check deposit, debit card benefits, and the availability of fee-free ATMs.

b. Savings Accounts: Evaluate the interest rates and fees associated with savings accounts. Consider the minimum balance requirement, accessibility of funds, and any additional perks or rewards for maintaining a certain balance.

c. Specialized Accounts: If you have specific needs, such as a business account, joint account, or retirement account, verify if the bank offers these specialized accounts. Review the terms, benefits, and any associated fees.

Compare Fees and Charges:
Different banks have varying fee structures, so it's essential to compare the charges associated with their services. Pay attention to the following fees:

a. Monthly Maintenance Fees: Some banks charge a monthly fee for maintaining an account. Look for banks that offer fee-free or low-cost options, especially if you anticipate maintaining a lower balance.

b. ATM Fees: Check if the bank has a widespread network of ATMs or offers fee reimbursements for using out-of-network ATMs. This feature can help you avoid unnecessary charges.

c. Overdraft Fees: Determine the overdraft fees and inquire about options like overdraft protection or linking accounts to minimize potential charges.

Seek Recommendations and Read Reviews:
Reach out to friends, family, and colleagues in St. Petersburg for personal recommendations. Ask about their banking experiences, customer service satisfaction, and any unique benefits they have received. Additionally, read online reviews and forums to gather insights from a broader range of customers.

Schedule Consultations and Ask Questions:
Narrow down your options and schedule consultations with bank representatives. Prepare a list of questions to ensure you make an informed decision. Some questions to consider asking include:

What are the current interest rates for savings accounts?
What is the minimum balance requirement for each type of account?
Are there any additional fees or charges associated with specific services?
How user-friendly are the online banking and mobile app platforms?
What security measures are in place to protect customer accounts?

Searching for the best local banks and selecting the right bank account in St. Petersburg, FL, requires thorough research and consideration. By conducting comprehensive online research, assessing different account types, comparing fees, seeking recommendations, and scheduling consultations, you'll be well-equipped to make an informed decision. Remember, choosing the right bank and account can significantly impact your financial well-being and enhance your banking experience in the charming city of St. Petersburg.


General Information | Financial Summary | Locations & Branches

1700 - 66th Street North
St. Petersburg, FL 33710

1700 - 66th Street North, St. Petersburg, FL 33710

Official website: N/A

Established in 1973-11-14, USBank is a commercial bank, state charter and Fed nonmember, supervised by the FDIC, serving customers in St. Petersburg Florida (FL) and many other cities.

The bank is currently closed (since 1988-07-22)

USBank Online Banking

Location: St. Petersburg, Florida FL (County Pinellas)

FDIC Certificate #: 21316

FDIC Geographic Region: Atlanta - Alabama, California, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia

Chartering Agency: STATE - Chartering authority for federally chartered savings associations State (includes U.S. Territories)

OCC Charter Number: N/A

OTS Docket Number (assigned by federal housing finance board - FHFB): N/A

Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (CBSA#45300)

Consolidated Metropolitan Statistical Area (CMSA): N/A

Combined Statistical Area (CSA): N/A

Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL - MSA#8280

Office of the Comptroller: Southeast - Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia

Office of Thrift Supervision (OTS) Region: Southeast

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USBank is

  • being operated in government conservatorship
  • an insured commercial bank
  • an FDIC Insured member

Insurance Fund Membership: Bank Insurance Fund (BIF)

Bank Holding Company: USBANCORP INC

Bank Holding Company Type:

Number of Domestic Offices: 4

Number of Foreign Offices: 0

Regulator: Federal Deposit Insurance Corporation (FDIC)

Trust Powers: N/A

Data by FIDC (The Federal Deposit Insurance Corporation), last update 2023-11-24

Daily Best Banks' CD Rates

1 Yr
Popular Direct: 5.37% APY, $10,000 minimum deposit
1 Yr
First Internet Bank of Indiana: 5.36% APY, $1,000 minimum deposit
1 Yr
BrioDirect: 5.35% APY, $500 minimum deposit
1 Yr
Bread Savings: 5.35% APY, $1,500 minimum deposit
1 Yr
Quontic Bank: 5.30% APY, $500 minimum deposit
1 Yr
TAB Bank: 5.27% APY, $1,000 minimum deposit
1 Yr
Sallie Mae Bank: 5.25% APY, $2,500 minimum deposit
1 Yr
Limelight Bank: 5.20% APY, $1,000 minimum deposit
1 Yr
Live Oak Bank: 5.20% APY, $2,500 minimum deposit

*CD Rates are subject to change without notice and may vary from bank to bank and branch to branch. Please contact your local bank for updated bank CD rates.