US Bank Directory
Banks in Gratis, OH
1 FDIC-insured bank operates 1 office in Gratis, Ohio.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Gratis
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: 1 institution operates 1 location in Gratis, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
1 location 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 in Gratis
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Twin Valley Bank is the only bank with an office in Gratis. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Twin Valley Bank Bank · 1
The Twin Valley Bank has 1 branch in Gratis, 5 across Ohio and 5 nationwide. FDIC records list its main office in West Alexandria, OH and show it operating since 1888. With $137.6 million in total assets on June 30, 2026, it ranks No. 3,424 of 4,232 U.S. banks by total assets. The Gratis Branch at 14 W Franklin St dates to 1963 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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Gratis Branch14 W Franklin St, 45330
Banking in Gratis: the local picture
Short answer: 1 bank runs 1 branch in Gratis according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
The Twin Valley Bank has its main office in West Alexandria, OH, according to the FDIC.
The bank with the longest record here is The Twin Valley Bank, operating since 1888 according to the FDIC.
The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Gratis, and where the nearest one is if they do not.
Short answer: No branches in Gratis: Chase (nearest in Middletown, 14 mi), Wells Fargo, Bank of America (nearest in Middletown, 14 mi), PNC Bank (nearest in Oxford, 15 mi), U.S. Bank (nearest in Eaton, 9 mi), Truist (nearest in Blue Ash, 30 mi), Fifth Third Bank (nearest in Eaton, 10 mi), Huntington (nearest in Franklin, 13 mi), Regions Bank, TD Bank, BMO.
| Bank | In Gratis | Nearest branch if none here |
|---|---|---|
| Chase | None | Middletown, 14 miles away |
| Wells Fargo | None | none in Ohio |
| Bank of America | None | Middletown, 14 miles away |
| PNC Bank | None | Oxford, 15 miles away |
| U.S. Bank | None | Eaton, 9 miles away |
| Truist | None | Blue Ash, 30 miles away |
| Fifth Third Bank | None | Eaton, 10 miles away |
| Huntington | None | Franklin, 13 miles away |
| Regions Bank | None | none in Ohio |
| TD Bank | None | none in Ohio |
| BMO | None | none in Ohio |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Gratis to the nearest branch in Ohio.
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 Gratis residents like anyone else.
Banks near Gratis
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Germantown (9 miles) and Eaton (9 miles). Middletown, 13 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Germantown, OH | 9 mi | 2 | 2 |
| Banks in Eaton, OH | 9 mi | 6 | 8 |
| Banks in New Lebanon, OH | 10 mi | 3 | 3 |
| Banks in Trenton, OH | 12 mi | 2 | 2 |
| Banks in Middletown, OH | 13 mi | 7 | 8 |
| Banks in Lewisburg, OH | 13 mi | 3 | 3 |
| Banks in Franklin, OH | 14 mi | 7 | 7 |
| Banks in Brookville, OH | 14 mi | 3 | 3 |
Bank branch openings and closings in Gratis
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Gratis between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Gratis by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Gratis offices.
Short answer: The Twin Valley Bank is the largest bank with offices in Gratis, with $137.6 million in total assets on June 30, 2026, No. 3,424 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| The Twin Valley Bank | $137.6 million | No. 3,424 | 1 | West Alexandria, OH |
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 Gratis: FAQ
How many banks are in Gratis, OH?
Gratis has 1 bank with 1 branch, according to FDIC data as of September 5, 2026.
Is there a The Twin Valley Bank in Gratis, OH?
Yes. FDIC data lists 1 The Twin Valley Bank branch in Gratis as of September 5, 2026. The address and directions are under The Twin Valley Bank above.
Is there a Chase in Gratis, OH?
No. FDIC data lists no Chase branch in Gratis as of September 5, 2026. The nearest is in Middletown, about 14 miles away in a straight line.
What is the oldest bank in Gratis?
The Twin Valley Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1888.
Did any bank branches open or close in Gratis 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 Gratis?
Nearby cities with more banks include Germantown, Eaton, New Lebanon. Germantown is 9 miles away with 2 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 |
| 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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