Accessibility Menu

What Is a National Bank? Overview and Example

By Rachel WarrenUpdated Aug 22, 2025 at 8:57 PM | Fact-checked by Frank Bass

Key Points

  • National banks in the U.S. offer services like loans and account management.
  • These banks are chartered by the federal government and insured by the FDIC.
  • They provide financial services nationwide, unlike state banks with a local focus.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.