Map of Commercial Banks by State as of Q4 2019

A commercial bank is where most people do their banking.  Commercial banks are financial institutions, which include depository trust companies, credit card companies with commercial bank charters, private banks, development banks, limited charter banks, and foreign banks.  A commercial bank accepts deposits, offers checking account services, makes various loans, and offers basic financial products like certificates of deposit (CDs) and savings accounts to individuals and small businesses.

Commercial banks differ from investment banks, which provide underwriting services, M&A and corporate reorganization services, and other types of brokerage services for institutional and high-net-worth clients.