Bank of America

Bank of America is one of the big American banks people use for checking accounts, credit cards, mortgages, and branch banking. By our assessment, its strength is scale: the network is broad, the card and deposit lineup is familiar, and the app handles everyday tasks without making a fuss of them. The honest downside is that a bank this large tends to come with fees, product rules, and a very mainstream feel; it is built to serve a lot of customers, not to feel personal. In practice that means ATM access, branch visits, transfers, and card management, with the usual weight of a national bank behind it. It sits in the same class as Chase and Wells Fargo, more traditional and heavy than the newer digital banks. The Astrina catalogue marks it as US, and that fits the plainly American shape of the business.