Jamesty
The banking industry in the United States is vast, with institutions ranging from small community banks to multinational giants. However, not all banks provide the level of service, transparency, or customer satisfaction that consumers expect. Based on factors such as customer complaints, fees, digital banking experience, and recent controversies, here is a list of the top 10 worst banks in America for 2025. This article aims to inform consumers about potential pitfalls when choosing a bank.
List Of Top 10 Worst Banks In America 2025
1. Wells Fargo
Wells Fargo’s reputation is still hurting because of a number of scandals over the years, the most prominent of which being the phony accounts issue. Customers say that in 2025, they are still having problems with high costs, bad customer service, and trouble settling disputes. People have also said bad things about the bank’s mobile app since it often has bugs and doesn’t have the latest features, which makes it hard for tech-savvy consumers to utilize.
2. Citibank
Citibank is high on the list because its fees are hard to understand and its customer service is not always reliable. A lot of consumers have said that they have found unexpected charges on their checking and savings accounts, and that it takes a long time for them to get help with problems. Also, Citibank’s foreign banking services are really good, but they typically come with expensive fees and complicated terms that make clients feel like they don’t want to use them.
3. Bank of America
Bank of America is one of the biggest institutions in the U.S., but being big doesn’t always imply being good. Customers often complain about hefty overdraft fees, low interest rates on savings accounts, and not getting customized treatment. In 2025, many said that the bank’s digital platform was behind its competitors because it often went down and had security issues that made users angry.
4. Capital One
Capital One has made progress in digital banking, but customers aren’t happy with it. People often complain about excessive interest rates on loans, hidden fees, and how long it takes to settle credit card complaints. Some clients feel abandoned since the bank is pushing for online-only services, especially those who like to do their banking in person.
5. Discover Bank
Discover Bank, which is most known for its credit cards, has been criticized for its banking services in 2025. Customers say they have problems with not having enough account selections, low interest rates on savings accounts, and trouble getting help from customer service. People who require help in person have an even harder time because there are no real branches.
6. Citizens Bank
People have complained about Citizens Bank’s exorbitant fees and stringent account terms. Customers have said they are unhappy with the high number of maintenance costs and the fact that ATMs are hard to get to outside of the company’s core area. People have said that the bank’s customer service in 2025 is uneven, with long wait periods and unsatisfactory answers.
7. Flagstar Bank
Flagstar Bank is smaller than some of the other banks on this list, but many have said bad things about its mortgage and loan services. Customers in 2025 say they have problems with loan terms that aren’t clear, high interest rates, and long wait times for applications to be processed. The bank’s digital tools are also thought to be out of date, which makes it less competitive in the modern banking world.
8. Fifth Third Bank
People have been upset with Fifth Third Bank because its accounts are full with fees and it isn’t clear about them. Customers often say that they get surprise costs and have trouble avoiding monthly maintenance expenses. Also, people have said that the bank’s customer service is lethargic and doesn’t respond quickly, especially when it comes to addressing complicated problems like fraud claims.
9. PNC Bank
PNC Bank is on our list because it has excessive fees and doesn’t do anything to improve its digital services. Customers have said that they are unhappy with the bank’s mobile app in 2025 since it doesn’t have as many functions as other banks’ apps. Overdraft costs and rigorous account restrictions also make it less enticing to people who are trying to save money.
10. Comerica Bank
Comerica Bank is at the bottom of the list because people complain about its exorbitant fees and small number of branches. Customers in 2025 have said that it’s hard to get to their money because there aren’t enough ATMs and branches, especially outside of the company’s main areas. People have also said that the bank’s customer assistance is poor and not helpful.
