As one of the largest banks in the United States, U.S. Bank draws upon over 150 years of banking experience to offer its personal, business, commercial, and government banking customers a full suite of financial products and services.
The bank offers its customers quick and secure access to funds through online and mobile banking options.
U.S. Bank’s depository banking products – for both its individual and corporate customers – include savings accounts, money market accounts, checking accounts, and Certificates of Deposits (CDs).
They cater to people of all ages and have various checking and savings accounts.
Checking Account Options
SmartlyTM CheckingSilver Business Checking PackageGold Business Checking PackagePlatinum Business Checking Package
- Multiple ways to get monthly maintenance fees waived
- No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs
- Manage cash easily with automated budgeting in a #1 rated mobile app
- Fast payments with Zelle®
- No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- Access to U.S. Bank Smart Rewards™ to reap additional benefits
(at U.S. Bank)
See our U.S. Bank checking account review.
- Minimum opening deposit: $100
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Online and mobile banking with bill pay: Manage check, wire and ACH accounts all in one place with SinglePoint® Essentials.
- Card payment processing: Accept payments in person, online and on the go.
- Check fraud prevention: Minimize the risk of fraud with our PCI compliance and check fraud prevention tools.
- Mobile check deposit: Save time by skipping trips to the bank and help improve cash flow.
- Email and text alerts
- U.S. Bank Visa® Debit Card
- Minimum opening deposit: $100
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Online and mobile banking with bill pay: Manage check, wire and ACH accounts all in one place with SinglePoint® Essentials.
- Card payment processing: Accept payments in person, online and on the go.
- Check fraud prevention: Minimize the risk of fraud with our PCI compliance and check fraud prevention tools.
- Mobile check deposit: Save time by skipping trips to the bank and help improve cash flow.
- Email and text alerts
- U.S. Bank Visa® Debit Card
- Minimum opening deposit: $100
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Online and mobile banking with bill pay: Manage check, wire and ACH accounts all in one place with SinglePoint® Essentials.
- Card payment processing: Accept payments in person, online and on the go.
- Check fraud prevention: Minimize the risk of fraud with our PCI compliance and check fraud prevention tools.
- Mobile check deposit: Save time by skipping trips to the bank and help improve cash flow.
- Email and text alerts
- U.S. Bank Visa® Debit Card
U.S. Bank Elite Money Market
Treat yourself to extra savings when you open a U.S. Bank Elite Money Market account. Benefits include:
- Quick and easy online application and funding.
- No ATM transaction fees at U.S. Bank ATMs.
- Set custom alerts for important account activity.
- Bank when, where and how you want with the U.S. Bank Mobile App.
- Member FDIC.
See our U.S. Bank Elite Money Market account review.
U.S. Bank CD Special Rates
- Competitive. This CD offers our most competitive, promotional rates – and great returns.
- Guaranteed. Choose the term length that works best for you. The rate is guaranteed for the full length of whatever term you choose.
- FDIC-insured. As with all U.S. Bank CDs, the CD specials is FDIC-insured.
| Compare to the best CDs such as Western Alliance Bank 6-Month CD (5.70% APY), Rising Bank 12-Month CD (5.25% APY), Blue FCU 15-Month CD (5.25% APY), First Mid Bank & Trust 9-Month CD (5.00% APY), Blue FCU 9-Month No Penalty CD (5.10% APY), and Western Alliance Bank 12-Month CD (5.51% APY). |
Compare Checking Accounts
U.S. Bank Credit Cards
U.S. Bank Cash+TM Visa Signature® CardU.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®U.S. Bank Visa® Platinum CardU.S. Bank Altitude® Connect Visa Signature® CardU.S. Bank Altitude® Go Visa Signature® CardU.S. Bank Business Leverage Visa Card®U.S. Bank Business Cash Rewards World EliteTM Mastercard®
 The U.S. Bank Visa® Platinum Card offers 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%. You'll have the flexibility to choose a payment due date that fits your schedule. In addition, you'll get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. This card has no annual fee. |
 The U.S. Bank Altitude® Connect Visa Signature® Card offers 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more. You'll be able to earn: • 4X points on travel and at gas stations • 2X points at grocery stores, grocery delivery, dining and streaming services • 1X point on all other eligible purchases. Furthermore, you'll receive $30 credit for annual streaming service purchases such as Netflix and Spotify®. and receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years. This card comes with $0 introductory annual fee for the first 12 months, After that $95. |
 The U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers $500 cash back after spending $3,000 in the first 90 days of opening your account. Limited time offer. You'll earn: • Up to 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases. • 1% cash back on other eligible net purchases with no limit on total rewards and they never expire! Plus, a 25% Annual Cash Rewards bonus, up to $250. There is no annual fee. |
How U.S. Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- BMO Harris Bank: BMO Harris offers a large, fee-free ATM network with more than 43,000 participating ATMs. Their account selections are much less than what U.S. Bank offers, and they only have one interest-bearing checking account that requires a $25,000 balance to waive the high monthly service charge.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
Compare to Other Banks
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- Wells Fargo vs U.S. Bank
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Bottom Line
U.S. Bank is for those who are interested in exploring the large selection of checking and savings accounts they have to offer.
Ranging from a basic checking and savings accounts to combined ones, U.S. Bank ensures that they have an option for any kind of person.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged.
Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with U.S. Bank, see our list of the latest U.S. Bank bonuses! For more options from a variety of banks, see our list of the best bank promotions!
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