The Best Banks in San Diego in May 2023

In San Diego, you’ll find only the best. The best hospitals, the best beaches, the best places to work, and the best local banks. And no matter what part of town you’re in, you can find something exciting to explore. Living and working in a city means you get to experience all that it has to offer. It also means you need local services to help you with everyday needs. You need places to shop, places to manage your wealth, and places to have fun. When you’re looking for banking services, it’s important to find one that can help you now, and as your wealth management needs change. 

Where to Find Banking Services in San Diego

How do you know if a bank is right for you? Can you do both personal and business banking in the same location? Is it convenient for your home and work? What are the interest rates like? Do they provide good customer service? These are just some of the questions you can ask about finding the best banks in San Diego. You’ll want a location convenient to where you live or work, but that also offers all the banking services you need. Here is a list of banks in San Diego California.

North County Coastal Banks

When you live, work, or play near the beach, you don’t want to go far to get money, cash your checks or manage your wealth. While there are many great banks in North County Coastal neighborhoods, these are the best in the region. 

First Republic Bank – Del Mar

Conveniently located north of 11th Street, First Republic Bank is one of the best banks in San Diego. They are known for their expertise and outstanding customer service. The staff at First Republic Bank go above and beyond to help their members reach their financial goals. They offer personal and business banking and many investment services. People can use them to get a mortgage, a car loan, a personal loan, and so much more. 

  • Address: 1110 Camino Del Mar (north of 11th Street) Del Mar, CA 92014
  • Phone: (858) 755-5600
  • Hours: Mon – Fri 9 a.m. – 5 p.m.
  • Closed Saturdays and Sundays

California Bank and Trust

There are many banks to choose from in San Diego, California. California Bank and Trust offers services for customers young and old. They help people get started with a youth bank account and then provide everything they need to manage their finances all the way into adulthood. They are one of the best places for wealth management in San Diego

  • Address: 135 Saxony Rd., Encinitas, CA 92024
  • Phone: (760) 436-5226
  • Hours: Mon – Fri 10 a.m. – 4 p.m.
  • Closed Saturdays and Sundays

CIT Bank

CIT Bank offers simple banking needs for most individuals. With checking and savings accounts, and IRAs, people can handle their basic banking needs right around the corner. They are conveniently located off Interstate 5. 

  • Address: 3580 Carmel Mountain Rd., Suite 160, San Diego, CA 92130
  • Phone: (858) 369-3100
  • Hours: Mon – Fri 9 a.m. – 5 p.m.
  • Closed Saturdays and Sundays

North County Inland Banks 

Find the best banks and investment banks in San Diego in the North County Inland region. You’ll find mortgage lending, credit card services, personal loans, and investment services at these great banks. Even the best accountants in San Diego California recommend some of these banks. 

First Citizen’s Bank

When you need a bank in Escondido, First Citizen’s Bank is one of the best. With a focus on helping people, they offer everything from basic personal checking and savings accounts to investments services and business banking. They are among the best banks in San Diego who also provide merchant services to businesses. 

  • Address: 360 West Grand Avenue, Escondido, CA 92025
  • Phone: (760) 233-2265
  • Hours: Mon – Fri 9 a.m. – 11:45 a.m. and 1:15 p.m. – 5 p.m. 
  • Closed Saturdays and Sundays

Union Bank

Located on West Grand Avenue in Escondido, Union Bank is a local favorite. They help you plan for retirement, get a new home, and manage your personal finances all in one location. 

  • Address: 303 West Grand Avenue, Escondido, CA 92025
  • Phone: (760) 745-8111
  • Hours: Mon – Thurs 9 a.m. – 5 p.m., Fri 9 a.m. – 6 p.m.
  • Closed Saturdays and Sundays

Central San Diego Banks

When you’re looking for banks in La Jolla, Clairemont, and Downtown, here is a great place to get started. Central San Diego has many great banks, and these are some of the best, offering personal, business, and investment services. 

Mechanics Bank

When you need banking on the go, retirement planning, and small business lending, people love Mechanics bank. This location north of La Jolla Village Dr. is convenient for shopping and close to the VA Medical Center.  

  • Address: 9333 Genesee Avenue, Suite 160, San Diego CA, 92121
  • Phone: (858) 882-5858
  • Hours: Mon – Fri 9 a.m. – 5 p.m.
  • Closed Saturdays and Sundays

Home Bank of California (Ruffin Rd.)

Want lower fees for banking and lending services? Home Bank of California on Ruffin Rd. is one of the best banks in San Diego for this reason. They offer banking products that help people run their homes and businesses with ease.

  • Address: 4493 Ruffin Road, San Diego, California 92123
  • Phone: (858) 270-5881
  • Hours: Mon – Fri 9 a.m. – 5 p.m.
  • Closed Saturdays and Sundays

HomeStreet Bank

Located between La Playa and Roseville, if you’re looking for a bank in San Diego, HomeStreet Bank is the place to go. They offer a wide range of personal banking services like online banking, mortgage lending, HELOCs, and more. HomeStreet Bank also has a line of insurance products to help you cover your home and automobiles. 

  • Address: 1110 Rosecrans St., Unit 101, San Diego, CA 92106
  • Phone: (619) 400-0450
  • Hours: Mon – Thurs 9 a.m. – 5 p.m., Fri 9 a.m. – 6 p.m.
  • Closed Saturdays and Sundays

East County Banks

Do you live and work in East County? Then you need a bank that’s close by. These banks are preferred because of their vast selection of banking products and commitment to excellent customer service. 

Bank of America Financial Center

While you’ll find Bank of America locations all across the country, this spot is a local favorite. With available hours 6 days a week and easy online banking, people love using this Bank of America in Santee. 

  • Address: 9711 Mission Gorge Rd., Santee, CA 92071
  • Phone: (619) 596-1453
  • Hours: Mon – Fri 9 a.m. – 4 p.m., Sat 10 a.m. – 2 p.m.
  • Closed Sundays

Wells Fargo Bank 

You’ll find this Wells Fargo Bank location right off interstate 8 and highway 67. They offer everything from personal checking and savings accounts to check cashing, notary services, and so much more. With convenient hours extending into the weekend, it’s great for those who need to hop in for help on a Saturday. 

  • Address: 475 Fletcher Pkwy El Cajon, CA 92020
  • Phone: (619) 441-2041
  • Hours: Mon – Fri 9 a.m. – 5 p.m., Sat 9 a.m. – 12 p.m.
  • Closed Sundays

South Bay Banks

From National City to San Ysidro, there are many great banks. When you’re looking for quality personal and business banking, these are the top three in the area. Even some of the best property management companies in San Diego trust these banks with their business needs.  

Enterprise Bank and Trust

They focus on serving the financial needs of their clients for a lifetime. Whether they are buying a house, investing for retirement, or starting their first business, Enterprise Bank and Trust is there for it all. 

  • Address: 22 West 35th St., National City, CA 91950
  • Phone: (619) 476-7776
  • Hours: Mon – Fri 9 a.m. – 5 p.m.
  • Closed Saturdays and Sundays

Mission Federal Credit Union

With walk-up ATM services 24/7, appointments for lending and other banking services, and plenty of business and personal products, Mission Federal Credit Union is one of the best banks in San Diego. Located in Chula Vista, it’s perfect for people who need banking services in the South Bay area.

  • Address: 599 Telegraph Canyon Rd., Chula Vista, CA 91910
  • Phone: (619) 476-7776
  • Hours: Mon – Fri 9 a.m. – 5 p.m.
  • Closed Saturdays and Sundays

Pacific Western Bank

More than just a bank, Pacific Western Bank focuses on building relationships with their customers to help them reach their financial goals. Whether you just need a place to house your money, or someone to help you understand retirement plans, they can help. 

  • Address: 418 W. San Ysidro Boulevard, San Ysidro, CA 92173
  • Phone: (619) 662-4715
  • Hours: Mon – Thurs 9 a.m. – 4 p.m., Fri 9 a.m. – 6 p.m.
  • Closed Saturdays and Sundays


While there are many great banks in San Diego, this list has the best options in every neighborhood. They’ll help you track your funds, pay bills, make wise investments, and so much more. With excellent customer service and a wide range of financial products, you can’t go wrong with this list of banks in San Diego.