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.
Table of Contents
Checking Account Options
Easy CheckingGold CheckingPlatinum CheckingSilver Business Checking PackageGold Business Checking PackagePlatinum Business Checking Package
- Minimum opening deposit: $25
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Mobile and online banking with free credit score access
- Mobile check deposit
- Bill pay
- Send money with Zelle®
- Email and text alerts
- U.S. Bank Visa® Debit Card
- Minimum opening deposit: $25
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Overdraft protection transfer, without the fees
- Mobile and online banking with free credit score access
- Mobile check deposit
- Bill pay
- Send money with Zelle®
- Email and text alerts
- U.S. Bank Visa® Debit Card
- Two Easy Checking accounts with no monthly maintenance fees
- Minimum opening deposit: $25
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Mobile and online banking with free credit score access
- Mobile check deposit
- Bill pay
- Send money with Zelle®
- Email and text alerts
- U.S. Bank Visa® Debit Card
- 50% off annual Safe Deposit Box rental fee
- U.S. Bank Platinum Checking Package is an interest-bearing checking account that offers a full menu of benefits on bank products.
- No ATM Transaction fees for Non-U.S. Bank ATM Transactions
- Get your initial box of U.S. Bank logo checks free
- 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
Compare Checking Accounts
Citi PromotionsChase Total Checking®HSBC Premier CheckingHuntington 25 Checking®Discover Checking Account
 • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit • Access to 16,000 Chase ATMs and more than 4,700 branches • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. • Chase Overdraft AssistSM – no overdraft fee if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* *We won't charge an overdraft fee if you are overdrawn $50 or less at the end of the business day. Chase may pay, for a $34 fee, overdraft transactions at our discretion based on your account history, deposits and transaction amount. If you've enrolled in Debit Card Coverage, everyday debit card purchases like groceries, may be approved at our discretion when you don't have enough money in your account. |
See all Chase Total Checking offers and all other Chase offers here.
*See all HSBC Premier Checking offers here and all other HSBC Bank offers here.
 Open your Huntington Platinum Perks CheckingSM account today and enjoy: • $300 bonus by making cumulative new money deposits of at least $25,000 within 60 days of account opening. $300 will be deposited in your new account within 14 days of meeting requirements. • 24-Hour Grace Overdraft Fee Relief. It is designed to give you more time to make a deposit in order to avoid an Overdraft Fee. • Earn Interest on Balances. • Free ATM Withdrawals. They’ll waive all non-Huntington ATM cash withdrawal fees at any ATM and reimburse you for some withdrawal fees charged by another ATM owner. • Waived Monthly Maintenance Fee • Credit score and identity monitoring at no added cost |
See all Huntington 25 Checking offers and all other Huntington offers here.
Read more about Discover Bank Checking here. Our full list of Discover Bank bonuses here.[/su_note]
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 Cash+® Visa Signature® Card offers $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 16.74% - 26.74%. You'll be able to earn: • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center. • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. • 1% cash back on all other eligible purchases. This card comes with no annual fee. Terms and conditions apply. |
 The U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard offers $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.24% - 25.24%. You'll be able to earn: • 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. • 1% cash back on all other eligible net purchases. • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned. Rewards never expire. In addition, you'll earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks. This card comes with no annual fee. Terms and conditions apply. |
 The U.S. Bank Visa® Platinum Card offers 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 16.74% - 26.74%. 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 Altitude® Go Visa Signature® Card offers 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.99% - 26.99%. You'll earn 4X points on takeout, food delivery & dining; 2X points at grocery stores, grocery delivery, gas stations & on streaming services; 1X point per $1 on all other eligible purchases. In addition, you'll get $15 credit for annual streaming service purchases such as Netflix and Spotify. There is no annual fee with this card. |
 The U.S. Bank Business Leverage Visa Card® offers $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account. You'll earn: • 2% back in the top two categories where you spend the most each month automatically. • 1% cash per dollar spent on all other eligible purchases. • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. There are no reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel. There is no annual fee for the first year, $95 thereafter. You'll also get free employee cards. Terms and conditions apply |
 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
- U.S. Bank vs Citibank
- U.S. Bank vs Bank of America
- Chase vs U.S. Bank
- Huntington Bank vs U.S. Bank
- PNC Bank vs U.S. Bank
- Wells Fargo vs U.S. Bank
- Citibank vs U.S. Bank
- Bank of America vs U.S. Bank
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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