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Banks

Moving and settling in

Banks and credit unions on the islands offer accounts, mortgages and business banking, and some branches serve more than one island. The Federal Deposit Insurance Corporation's BankFind service shows whether a bank is FDIC-insured, and credit unions are insured separately. Ask about the documents you need to open an account, how wire transfers work for a property purchase, and whether the bank also lends on the type of property you want. Ask about fees for international transfers if you are moving money from abroad. Each listing shows when we last verified it.

St. Thomas

Wooded Hassel Island across the turquoise water of St. Thomas Harbor, with a red boat at the waterfront belowArea photo

FirstBank, St. Thomas

Last verified October 28, 2026

FirstBank operates a branch network in the U.S. Virgin Islands, and its locator lists three St. Thomas branches: FirstBank Plaza in Estate Charlotte Amalie, the Waterfront branch on Curacao Gade and the Port…

St. Thomas Harbor, Charlotte Amalie. Photo: Smallbones, CC0

Sailboats moored off the Frenchtown waterfront below a hillside of homes, seen under a stormy sky from the seaplane pier at the west end of the Charlotte Amalie waterfrontArea photo

Merchants Commercial Bank, St. Thomas

Last verified October 28, 2026

Merchants Commercial Bank is an FDIC-insured bank with its St. Thomas office at Tutu Park Mall, Suite 100, and a second office in Cruz Bay on St. John.

Frenchtown, St. Thomas. Photo: LittleT889, CC BY 4.0

Sailboats anchored in Long Bay below the hillside homes of Charlotte AmalieArea photo

Oriental Bank, St. Thomas

Last verified October 28, 2026

Oriental Bank serves the U.S. Virgin Islands through a USVI section of its website, and its branch locator shows one branch on St.

Long Bay, Charlotte Amalie, St. Thomas. Photo: Prayitno, CC BY 2.0

Wooded Hassel Island across the turquoise water of St. Thomas Harbor, with a red boat at the waterfront belowArea photo

St. Thomas Federal Credit Union

Last verified October 28, 2026

St. Thomas Federal Credit Union operates from the Allen A. Canton Building at 5027 Norre Gade in Charlotte Amalie.

St. Thomas Harbor, Charlotte Amalie. Photo: Smallbones, CC0

St. Croix

Rooftops of Christiansted and its harbor seen from Recovery Hill, with the reef and open sea beyondArea photo

FirstBank, St. Croix

Last verified October 28, 2026

FirstBank's USVI branch locator lists three branches on St. Croix: Sunny Isle Shopping Center, Orange Grove in Christiansted, and #6A Strand Street in Frederiksted, with ATMs at Henry E.

Christiansted, St. Croix. Photo: Jason P. Heym, CC BY-SA 3.0

Arched sidewalk galleries along a street of colorful historic buildings in ChristianstedArea photo

Oriental Bank, St. Croix

Last verified October 28, 2026

On St. Croix, Oriental Bank's branch locator shows the Sunny Isle I branch at 4500 Estate Diamond in Christiansted, which also has a live teller listing. The full St.

Christiansted, St. Croix. Photo: Prayitno, CC BY 2.0

A red-roofed historic building with an arched ground-floor arcade in FrederikstedArea photo

United Fidelity Bank, St. Croix

Last verified October 28, 2026

United Fidelity Bank, fsb, an FDIC-insured bank headquartered in Evansville, Indiana, runs two banking centers on St. Croix.

Frederiksted, St. Croix. Photo: Prayitno, CC BY 2.0

St. John

A VITRAN passenger ferry docked beside the orange-roofed ferry terminal and beach in Cruz Bay, with a rainbow over the green hillsideArea photo

FirstBank, St. John

Last verified October 28, 2026

FirstBank's only St. John branch in its USVI locator is the MarketPlace Branch, Unit #106 at 5000 Estate Enighed in Cruz Bay.

Cruz Bay, St. John. Photo: anoldent, CC BY-SA 2.0

Sailboats moored in Cruz Bay below red-roofed buildings on the hillside of St. JohnArea photo

Merchants Commercial Bank, St. John

Last verified October 28, 2026

Merchants Commercial Bank keeps a St. John office in the Islandia Building in Cruz Bay, at 18-23 Estate Enighed, alongside its main office at Tutu Park Mall on St. Thomas.

Cruz Bay, St. John. Photo: Prayitno, CC BY 2.0

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