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US Banking Consumer Trust 2026

The Confidence Drivers That Influence Bank Selection and Channel Use

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About This Report
Trust in consumer banking varies widely in 2026. Primary banks still anchor core products. But confidence differs by generation, product, and channel, with honesty, transparency, and security shaping how consumers evaluate financial providers.

Trust in consumer banking is becoming shaped less by institutional legacy and more by consumers' expectations for usability, transparency, and ethical behavior. While traditional banks still anchor core accounts, loyalty is increasingly conditional, especially among younger and lower-income consumers. As tech-driven brands reset expectations, trust will play a critical role in determining long-term relevance in a fragmented financial landscape.

This deck covers:

  • How trust, credibility, and security influence consumers’ bank choice
  • Which banks, credit unions, and tech brands customers trust, by demographic
  • Opportunities to establish and strengthen trust

This deck can help you:

  • Develop product strategy (banks)
  • Develop go-to-market strategy (solution providers)

authors

Myra Thomas

Contributors

Grace Broadbent
Na Li
Director, Primary Research
Penelope Lin
Director, Data Visualization
Tiffani Montez
Emma Noyes
Graphic Designer, Data Visualization
Jennifer Pearson
VP, Research
Emman Velasco
Chart Editor
Julia Woolever
Ali Young
Senior Copy Editor and Manager of Content Operations

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