A '''national bank''' is a commercial [[bank]] chartered by the [[federal]] [[government]] rather than by [[state government]]s. There are only a small number of national banks, but they are larger than most state-chartered banks. The national banks hold most of the [[deposit]]s in the banking system. | A '''national bank''' is a commercial [[bank]] chartered by the [[federal]] [[government]] rather than by [[state government]]s. There are only a small number of national banks, but they are larger than most state-chartered banks. The national banks hold most of the [[deposit]]s in the banking system. |