US Bank Directory
Banks in Franklin, NC
6 FDIC-insured banks operate 6 offices in Franklin, North Carolina, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Franklin
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 8 banks and credit unions operate 8 locations in Franklin, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Franklin
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Franklin, with 1 each. 6 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
First Bank Bank · 1
First Bank has 1 branch in Franklin, 102 across North Carolina and 116 nationwide. FDIC records list its main office in Southern Pines, NC and show it operating since 1934. With $13.03 billion in total assets on June 30, 2026, it ranks No. 138 of 4,232 U.S. banks by total assets. The 241 Franklin-Holly Springs Branch at 30 Hyatt Rd dates to 1993 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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241 Franklin-Holly Springs Branch30 Hyatt Rd, 28734
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Franklin, 196 across North Carolina and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The Franklin Main St. Branch at 50 W Main St dates to 2019 in FDIC branch records. Its published hours do not list Saturday.
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Franklin Main St. Branch50 W Main St, 28734
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026
Mountain Credit Union Credit union · 1
Mountain Credit Union has 1 office in Franklin, 7 across North Carolina. It is based in Waynesville, NC and $370.2 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Mountain Credit Union746 E Main St, 28734
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Nantahala Bank Bank · 1
Nantahala Bank has 1 branch in Franklin, 3 across North Carolina and 3 nationwide. FDIC records list its main office in Franklin, NC and show it operating since 2004. With $288.8 million in total assets on June 30, 2026, it ranks No. 2,539 of 4,232 U.S. banks by total assets. Its main office at 120 Siler Rd dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office120 Siler Rd, 28734
PNC Bank Bank · 1
PNC Bank has 1 branch in Franklin, 101 across North Carolina and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Franklin West Main Branch at 100 W Main St dates to 1969 in FDIC branch records. Its published hours do not list Saturday.
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Franklin West Main Branch100 W Main St, 28734
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Franklin, 286 across North Carolina. It is based in Raleigh, NC and $59.76 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Franklin245 Cunningham Rd, 28734
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
United Community Bank · 1
United Community has 1 branch in Franklin, 37 across North Carolina and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Franklin Branch at 257 E Main St dates to 1982 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Franklin Branch257 E Main St, 28734
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Franklin, 219 across North Carolina and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Franklin Main Branch at 55 E Main St dates to 1969 in FDIC branch records. Its published hours do not list Saturday.
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Franklin Main Branch55 E Main St, 28734
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Franklin
2 credit unions have 2 offices here: State Employees' Credit Union and Mountain Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Franklin page has every office in the state's directory.
Banking in Franklin: the local picture
Short answer: 6 banks run 6 branches in Franklin according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 1 has its main office in Franklin, 2 elsewhere in North Carolina and 3 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is PNC Bank's office at 100 W Main St, dating to 1969; the newest is First Citizens Bank's at 50 W Main St, from 2019.
2 credit unions have 2 offices in Franklin, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. None open on Saturday. 3 locations have no published hours in these sources.
Saturday hours in Franklin
Short answer: None of the 5 Franklin locations with published hours lists Saturday hours. 3 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 3 of the 8 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Franklin, and where the nearest one is if they do not.
Short answer: In Franklin: Wells Fargo (1), PNC Bank (1). No branches in Franklin: Chase (nearest in Asheville, 53 mi), Bank of America (nearest in Asheville, 53 mi), U.S. Bank (nearest in Charlotte, 142 mi), Truist (nearest in Waynesville, 31 mi), Fifth Third Bank (nearest in Brevard, 37 mi), Huntington (nearest in Charlotte, 142 mi), Regions Bank (nearest in Highlands, 13 mi), TD Bank (nearest in Asheville, 52 mi), BMO.
| Bank | In Franklin | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| PNC Bank | 1 branch | here |
| Chase | None | Asheville, 53 miles away |
| Bank of America | None | Asheville, 53 miles away |
| U.S. Bank | None | Charlotte, 142 miles away |
| Truist | None | Waynesville, 31 miles away |
| Fifth Third Bank | None | Brevard, 37 miles away |
| Huntington | None | Charlotte, 142 miles away |
| Regions Bank | None | Highlands, 13 miles away |
| TD Bank | None | Asheville, 52 miles away |
| BMO | None | none in North Carolina |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Franklin to the nearest branch in North Carolina.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Franklin residents like anyone else.
Banks near Franklin
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Highlands (13 miles) and Sylva (16 miles). Waynesville, 30 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Highlands, NC | 13 mi | 3 | 3 |
| Banks in Sylva, NC | 16 mi | 5 | 5 |
| Banks in Cashiers, NC | 17 mi | 3 | 3 |
| Banks in Bryson City, NC | 18 mi | 2 | 2 |
| Banks in Robbinsville, NC | 26 mi | 2 | 2 |
| Banks in Hayesville, NC | 27 mi | 3 | 3 |
| Banks in Waynesville, NC | 30 mi | 6 | 7 |
| Banks in Brevard, NC | 37 mi | 5 | 7 |
Bank branch openings and closings in Franklin
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Franklin between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Franklin
Short answer: 1 institution has its main office in Franklin: Nantahala Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Nantahala Bank | Bank | $288.8 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Franklin by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Franklin offices.
Short answer: Wells Fargo is the largest bank with offices in Franklin, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. PNC Bank is second with $609.77 billion. 1 of the 6 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| First Bank | $13.03 billion | No. 138 | 1 | Southern Pines, NC |
| Nantahala Bank | $288.8 million | No. 2,539 | 1 | Franklin, NC |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Franklin: FAQ
How many banks are in Franklin, NC?
Franklin has 6 banks with 6 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Franklin?
Wells Fargo, with 1. PNC Bank has 1 and First Citizens Bank has 1.
Is there a Wells Fargo in Franklin, NC?
Yes. FDIC data lists 1 Wells Fargo branch in Franklin as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Franklin, NC?
Yes. FDIC data lists 1 PNC Bank branch in Franklin as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a First Citizens Bank in Franklin, NC?
Yes. FDIC data lists 1 First Citizens Bank branch in Franklin as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a Chase in Franklin, NC?
No. FDIC data lists no Chase branch in Franklin as of September 5, 2026. The nearest is in Asheville, about 53 miles away in a straight line.
Which banks in Franklin are open on Saturday?
None of the 5 locations with published hours lists Saturday hours. 3 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Franklin?
Nantahala Bank has its main office in Franklin, according to the FDIC.
What is the oldest bank in Franklin?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Franklin?
State Employees' Credit Union and Mountain Credit Union have offices in Franklin. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Franklin in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Franklin?
Nearby cities with more banks include Highlands, Sylva, Cashiers. Highlands is 13 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (3 of 6 branches: First Citizens Bank, PNC Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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