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US Banks In Canada & Canada Banks In US (With Locations)


US Banks In Canada & Canada Banks In US
US Banks In Canada & Canada Banks In US
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If you are a US citizen living in Canada, you will probably wonder if there are US banks in Canada, likewise, a Canadian living in the US will also wonder if there are Canada banks in US.

The US and Canada are powerful allies of each other and are close in terms of economical relationship which makes the US Canada cross border banking a smooth one.

Both countries have worked closely and consistently to promote an open world economy. However, both of them operate differently in terms of their banking system.

The US and Canada have strongholds in banking as this system is solely responsible for the running of their economies. They create a different set of guidelines regulating each other in their residence state. 

Banks in Canada and banks in the US share some similarities but have huge differences. There are Several US banks with branches in Canada and also a lot of Canadian banks with branches in US. 

Since there are existing branches of both US banks in Canada and Canadian banks in the USA, this article is to highlight the address of their bank branches, and how they are operated in each other’s countries

US Banks In Canada & Locations

There are several US Banks in Canada and they are regulated by the Canadian banks act which governs the banking sectors in Canada. 

Some US banks are affiliated with Canadian banks and as such guarantees them the license to operate, while some offers commercial banking systems in Canada but do not have a retail banking operation.

A retail banking operation is to help private consumers manage their money, gain access to loans, and deposit their money securely. 

That is to say, you can use such banks’ credit cards to withdraw from ATMs and pay merchants in Canada alone as they do not offer retail operations.

You can access an American bank when living in Canada. However, this comes with some restrictions as the Canadian regulations on US banks are very strict and retail services are not available. 

Below are American banks in Canada with their branch addresses

1. M&T Bank

M&T Canada is one of the US banks in Canada that has been headquartered on the Ontario-New York border for many decades.

This bank’s initials were carved from the manufacturers and traders bank  The New York bank is now known as Manufactures and Traders trust company or M&T bank.

They provide a range of commercial banking services including loans and deposits to Canadian businesses. 

The M&T Bank provides banking services to the US establishments of Canadian corporations and aims to provide more financial services to the increasing number of American Citizens living in Canada. 

The Canadian branch of the M&T bank provides mortgage and business loans and some foreign exchange services.

Below is the branch address of M&T bank in Canada:

M&T Bank Toronto
Brookfield Place
TD Canada Trust Tower
161 Bay Street
Suite 2520
Toronto, Ontario
M5J 2S1, Canada

2. Bank of America Corporation 

Canada bank of America is another US Bank in Canada that is well recognized by a lot of US citizens. This bank is the second largest bank in the United States and one of the biggest banks in the US. 

It is an American multi-investment bank and recently received the top ranking for retail banking advice in 2021.

It has six branches in Canada and is one of the fast-rising US banks in Canada. The BofA offers loans, leasing services, and some commercial services in Canada.

If you are searching for bank of America Canada locations, below are Bank of America branches in Canada:

Bank of America Toronto
181 Bay Street

4th Floor
Toronto, Ontario M5V 2V8

Vancouver bank of America
1055 Dunsmuir Street

P.O. Box 49295
Vancouver, British Columbia V7X 1L3

Bank of America Calgary
Bow Valley Square III

Suite 2620, 255 – 5th Avenue SW
Calgary, Alberta T2P 3G6

Bank of America Montreal
1250 Boulevard Rene Levesque West
Suite 3715
Montreal, Québec H3B 4W8


Citibank Canada also known as Citi Canada is one of the oldest US banks in Canada. Since 1950, Citibank has been operating as one of the US banks in Canada and has several offices across the country. 

The New York bank is one of the biggest banks in the US and, in Canada, it offers investment banking, Citi market security, and many other things.

It was established in New York and has different branches in various places in the world.

Talking about Citiank Canada locations, below are the addresses of Citibank branches in Canada:

Citi bank Ontario
Citigroup Place
123 Front Street West, Suite 1900
Toronto, Ontario M5J 2M3

Citi Cards Canada
5900 Hurontario Street
Mississauga, Ontario
L5R 0B8

CitiFinancial Customer Service
630 René-Lévesque West, suite 1400
Montréal, QC H3B-4Z9

Citi Private Bank – Vancouver
550 Burrard Street, Bentall 5, Suite 1228
Vancouver, BC V6C 2B5

Citibank Canada
1501 McGill College Avenue, 4th floor
Montréal, Québec H3A 3M8

4. Capital One bank

Capital one bank is a US bank in Canada that offers comprehensive rates and extended ATM access and online mobile apps, hence it is mostly considered an online bank. 

It has its headquarters at Mclean, Virginia, and several subsidiaries including official stack, Wikibus, LLC, Various, etc.  They also have branches positioned in Canada that offer credit bank services in Canada. 

The city bank has its own branded credit card business. You can use the city bank credit cards as they are accessible in Canada. Their credit cards are readily available in MasterCard.

Capital One in Canada functions as a subsidiary of Capital One Financial Corporation and has 3 different branches in  Canada.

Below are the addresses of Capital One Bank branches in Canada:

Capital One Toronto
5140 Yonge Street
North York, Toronto
ON M2N 6L7, Canada

Capital One Montreal
585 rue Sainte-Catherine O
Montréal, QC H3B 3Y5

Capital One Ontario
Scarborough Station D
Scarborough, Ontario
M1R 5L1, Canada

5. PNC Bank

The Provident National Corporation is the sixth largest United States bank in terms of assets with its headquarters in Pittsburgh, Pennsylvania, and has a total number of 2629 widespread branches including Canadian branches.

It has high rating services and investments in Commercial Real Estate.

Being one of the US banks in Canada, PNC is allowed to offer credit card services in Canada, loans (including assets-based loans), leasing services, and even bank deposits in their Canadian branches.

PNC Bank Canada Branch (PNC Canada) offers cross-border services to support all financial services in both the U.S. and Canada.

Below is the location of PNC bank canada branch:

PNC Toronto
The Exchange Tower
130 King Street West
Suite 2140
Toronto, Ontario M5X 1E4

6. Comerica Bank

The Comerica Incorporated Bank is a public-providing bank situated in Dallas Texas. It has subsidies such as Comerica securities and Trust funds with a total of 591 branches.

Being one of the US banks in Canada, the Comerica bank is also located across the cities of Canada and offers financial services to U.S citizens.

Below are the locations of Comerica bank Canada branches:

Comerica Bank Toronto
Royal Bank Plaza
South Tower
200 Bay Street
Suite 2210, P.O. Box 61
Toronto, ON
M5J2J2 Canada

Windsor office:
2485 Ouellette Avenue
Windsor, Ontario, N8X 1L5

7. Wells Fargo bank

Wells Fargo is a large American bank that is also one of the US banks in Canada.

Wells Fargo Canada has branches in different cities in Canada which include Toronto, Calgary, and Montreal. The bank also has ATMs that operate in different locations in Canada. 

The Canadian branch of Wells Fargo bank provides services only to medium and large companies in Canada.

Talking about Well Fargo Canada locations, below are the addresses of Well Fargo branches in Canada:

Wells Fargo Canada Toronto
40 King Street West
Suite 3200
Toronto, ON M5H 3Y2

Wells Fargo Calgary
308 4th Ave SW, Suite 2711
Calgary, AB T2P 0H7

Wells Fargo Vancouver Canada
200 Burrard Street, Suite 330
British Columbia
Vancouver, V6C 3L6

Wells Fargo Mississauga
Deer Run Shopping Centre
 Mississauga, ON L5C 4G8,

Wells Fargo Montreal
1250 Rene-Levesque Blvd West
Suite 1100, Montreal
Quebec H3B 4W8

8. Bank of New York Mellon

Bank of New York Mellon also known as BNY Mellon is another US bank in Canada.

The bank has its headquarters situated in New York and is one of the biggest global custodian bank and securities services companies.

BNY Mellon Canada offers investment banking services to the public in Canada and its Canadian headquarters is based in Toronto.

Below is the location and branches of Bank of New York Mellon Canada:

BNY Mellon Toronto
1 York Street, 6th Floor
Toronto, Ontario M5J 0B6

BNY Mellon Calgary
601 The Dome Tower, 6th Floor
333 7th Avenue, S.W.
Calgary, Alberta T2P 2Z1

BNY Mellon Ontario
255 Queens Avenue, Suite 800

London, Ontario N6A 5R8

BNY Mellon Mississauga
55 Standish Court, Suites 1200 & 1000

Mississauga Ontario L5R 4B2

BNY Mellon Vancouver
1066 West Hastings Street, Suite 1670

Vancouver, British Columbia V6E 3X1

BNY trust company of Canada
1001 de Maisonneuve Blvd West, Suite 650
Montreal, Quebec H3A 3C8

9. State Street Bank

State Street Corporation specializes in providing investment and trading services; they operate in 26 countries globally and has its headquarters in Boston, MA. 

This bank currently has three offices located in Toronto, Montreal, and Vancouver. The state street bank is one of the US banks in Canada renowned for managing huge assets.

Below are the locations of State Street Bank Canada:

State Street Bank Montreal
1981 McGill College Avenue
Montreal, Quebec H3A 3A8

State Street Bank Toronto
30 Adelaide Street East

Suite 1100
Toronto, Ontario M5C 3G6

State Street Bank Vancouver
601 West Cordova Street,

Suite 490
Vancouver, British Columbia
V6B 1M1, Canada

10. Fifth- Third Bank

The Fifth – third bank is also a US bank in Canada. It is committed to providing lending services, leasing, and treasuring management.

They offer cross-banking services in both the US and Canada

However, the Fifth Third Bank branch in Canada does not provide services like retail and personal banking services such as cash deposits or branded ATMs. 

Although these US banks in Canada are allowed to operate, they act as subsidiaries of Canadian banks. This means they survive by allowing customers to use each other’s ATMs.

Below is the address of  Fifth third location in Canada

Fifth Third Bank Toronto
70 York Street, Suite 1253
Toronto, Ontario M5J 1S9

Canada Banks In US & Locations

The US banking system is characterized by a large number of depository financial institutions and the involvement of the Central Bank which oversees the affairs of other banks.

However, Canadian banks are allowed to strive and have a far greater presence in the US. They offer most major banking services to the general public and such services include; the provision of personal, business and mortgage loans, selling of bonds and stock, and other retail services. 

Canadian banks in the USA are required to operate under US guidelines. However, these guidelines are less strict than the Canadian banking system.

Both Canadians and Americans can easily use Canadian banks located in the US for business and personal purposes and it’s easy to locate Canadian banks in the US.  

Since most US banks cannot be accessed without a social security number, hence the more reasons more Canadians use Canadian banks in the US.

However, each Canadian bank in the US operates differently, and opening a bank account differs from one Canadian Bank to another.  

Below are some of the Canadian Banks with branches in the US. Since it is very easy to locate these banks in the US, we will not add their locations:

1. Bank of Montreal (BMO/BMO Harris )

The Bank of Montreal is a very large bank that has a Canadian background operating in the US. It has its headquarters in Illinois, Chicago. 

The BMO and BMO Harris are totally independent of each other but the BMO harris is a subsidiary of BMO bank as BMO Harris was formerly the Harris bank but is now acquired by the BMO

They have several branches in the US and offer deposits, lending, and investment services, and are members of the federal reserve system.

 2. Canadian Imperial Bank of Commerce (CIBC)

The CIBC is one of the popular and reputable banks in Canada with a lot of customers and is also well-known as one of the Canada banks in US.

CIBC has branches in the US and offers retail banking services as well as other financial services. 

In the US, funds can be accessed from any CIBC bank in USA, their ATMs, and other ATMs in partnership with them. The CIBC advantage debit card is widely accepted at stores and service suppliers in the US.

3. Royal Bank of Canada 

This is a Canadian-owned financial institution and by the capitalization of the market the largest in Canada. It is known as the 5th largest bank in North America.

The RBC bank’s headquarters is located in Toronto, Canada, and has subsidiaries such as the City National bank, RBC capital market, etc. With over 127 branches spread throughout the states.

The Royal Bank of Canada and have been providing easy banking services to Canadians in the US. They are able to provide diversified financial services such as commercial banking, personal deposits, insurance/asset management services, investment banking, and cross-border banking services.

4. Toronto – Dominion Bank

This is another big Canadian bank that operates in the US. The Toronto Dominion bank is a Canadian banking corporation with its headquarters located in Toronto, Ontario.

They provide International banking services across the US and have branches in New York.

They also offer investment services, mortgage loans, debit services, credit cards, and other financial services.

5. National Bank of Canada 

This is the sixth largest  Commercial Bank in Canada with its headquarters in Montero. They have quite a number of subsidiaries including  NBCN inc. ABA banks etc.

This is one of the 20 most powerful banks in the Canadian market. As a financial institution, they have branches in the US and provide retail banking services as well as other financial services to the general public.

6. Desjardins bank Florida 

The Desjardins bank of Florida, although governed by the US, is owned by Desjardins groups which Is the largest cooperative financing organization in Canada.

 With its headquarters located in Levis, Canada, and branches widespread in the United States, they provide insurance, mortgage loans, and credit card services to the general public.

7. Bank of Nova Scotia

Bank of Nova Scotia is also known as Scotiabank and has its headquarters in Toronto, Ontario. It is the third largest Canadian Bank by deposits and market structures.

 They offer full service in the USA and are affiliated with the Bank of America and BNP banks. 

It offers financial services in the US such as retail banking, insurance services, wealth management services, personal and business loans, and credit card services.  Its offices are located in Boston, New York, and San Francisco.

These banks are some of the Canadian banks that are accessible in the US. This is important to understand as a Canadian who might be planning on residing in the US or for education, employment, and business objectives.


The above article is the list of US Banks In Canada & Canada Banks In US and we hope you are able to locate the bank that serves you well in the country of your residence.

The disparities between the US banks in Canada and the Canada bank in the US is credited to their different country banking policy. 

Hence, the Canada banks in the US have vast benefits over the US banks in Canada.

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