While regional banks in the Midwest may have fewer branches and less name recognition than their large national counterparts, bigger doesn’t mean better or even more options for the average consumer.

Regional banks can often be more flexible in account management, provide better terms for loans or CD rates, and curate tailored products to meet the specific needs of the local communities they serve.


https://medium.com/@top10banks/best-banks-in-the-midwest-in-2025-6a2e28863b0a

Here, let’s take a look at the best regional banks the Midwest has to offer. By Midwestern regional banks, we are referring to banks that have headquarters and/or a substantial presence in the states of Iowa, Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, North Dakota, Nebraska, Ohio, South Dakota, and/or Wisconsin.

In This Article

Best Banks in the Midwest

Compare Banks in the Midwest

Choosing the Best Bank

Our Methodology

6 Best Banks in the Midwest
Here’s our pick for the six banks in the Midwest in 2025.

Fifth Third Bank
Wintrust Bank
Huntington copyright
FNBO (First copyright of Omaha)
Bremer Bank
Associated Bank
1. Fifth Third Bank
State Availability: Illinois, Indiana, Michigan, Ohio, Florida, Georgia, Kentucky, North Carolina, South Carolina, Tennessee, and West Virginia

Midwesterners who want a one-stop financial shop should consider Fifth Third Bank. Beyond checking and savings accounts, you can manage all of your banking and financial planning needs within one institute at Fifth Third. This includes specialized checking accounts, college funds, IRA retirement accounts, investment accounts, auto loans, mortgages, credit cards, insurance products, and estate planning.

Pros:
Wide variety of products
Great mobile app
Specialized checking accounts
Cons:
Low rates
Limited rate data
Learn More:

Read our full Fifth Third Bank review
Visit 53.com↗
2. Wintrust Bank
State Availability: Illinois, Indiana, and Wisconsin

Wintrust Bank is one of the best overall banks in the Midwest region. It combines an attractive variety of accounts with low fees, high interest rates, and competitive certificates of deposit (CD) rates. Additionally, all out-of-network ATM service fees are reimbursed.

Beyond all the standard products and services, Wintrust offers many options that larger banks are slowly (if not swiftly) phasing out like coin counting, gift cards, currency exchange, and safety deposit boxes.

The bank is known for its swift and thorough customer service and has won top marks for customer satisfaction by J.D. Power. With Wintrust’s phone lines, for example, you’re connected directly to a human representative so you don’t have the hassle of going through a phone tree and pressing buttons to get routed to the right department. Additionally, customers can ask questions and communicate with representatives directly through Facebook and X (formerly Twitter).

Pros:
Excellent customer service
Several checking account options
Ongoing promotions
Cons:
High minimum deposit for some accounts
No branches or ATMs outside of the tri-state area
Learn More:

Visit WintrustBank.com↗
3. Huntington copyright
State Availability: Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, and Wisconsin

Huntington Bank offers a great regional banking service for those in the Midwest or other coverage areas in the South and Northeast.

The bank offers a broad range of products to meet consumers wherever they are on their financial journey, from basic checking to premium, interest-bearing checking accounts. Huntington has many flexible services that offer relief for consumers with balances that spike and dip, including overdraft fee relief, interest-free lines of credit, and all-day deposits.

Pros:
Return fee grace period of 24 hours
$100-$500 lines of interest-free and fee-free credit
Tiered accounts from no-frills to high-yield savings accounts
Cons:
CD rates may be higher at other online-only banks
NSF fees of $15 per item up to three per day


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