US Bank Reviews
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About US Bank
U.S. Bank is one of the largest banks in the country, with over 2,000 branches across 26 states. Headquartered in Minneapolis, Minnesota, its products include checking and savings accounts, credit cards, mortgages and loans. However, it’s known for having high fees.
- More than 2,000 branches in 26 states
- Large ATM network
- Several ways to waive monthly fees
- High overdraft and transfer fees
- Below average interest rates on most savings accounts
Featured Reviews
What is U.S. Bank?
U.S. Bank is a commercial bank that provides checking and savings accounts, mortgages, loans, insurance, wealth management and payment-service products. U.S. Bank operates more than 2,000 branches throughout the Midwest and West Coast.
In addition to its own ATM network, U.S. Bank partners with MoneyPass to give customers access to over 40,000 ATMs nationwide.
How does U.S. Bank work?
To open an account at U.S. Bank, you can visit a branch or apply online. You’ll need to provide your name, address, Social Security number and date of birth. You will also need to make a minimum deposit, which can range from $25 to $100.
Once you’ve opened an account, you can access it online or by visiting a U.S. Bank branch. You can also use the bank’s mobile app to view your account balance, deposit checks, find ATMs, transfer funds and pay bills. U.S. Bank is insured by the Federal Deposit Insurance Corporation (FDIC).
U.S. Bank products and services
U.S. Bank provides checking and savings accounts, certificates of deposit (CDs) and more financial services.
Checking accounts
Smartly Checking account customers can unlock extra perks through U.S. Bank’s Smart Rewards program. Depending on your account balance, it offers no monthly maintenance fee, interest earned on checking, fee waivers for non-network ATMs and more. You can also unlock additional perks if you fall into one of these customer groups:
- Age 65 or older
- Age 14 to 24
- A military member
- A Workplace banking customer
- An Alliance member, including State Farm customers
- A wealth management customer
Savings accounts
Consumers can apply to open a U.S. Bank savings account online or in person.
Money market accounts
Account holders get access to online and mobile banking, check-writing privileges, overdraft protection and digital statements. The $10 monthly maintenance fee is waived if the daily balance is at least $10,000.
U.S. Bank also has a tax-advantaged retirement money market account with no monthly fee.
Certificates of deposit
The bank also offers CD specials with high yields and a $1,000 minimum deposit, as well as step-up CDs and trade-up CDs.
Credit cards
U.S. Bank also provides three additional secured credit cards to help you build credit.
Loans
U.S. Bank fees
U.S. Bank’s Smart Debit account has an unavoidable $4.95 monthly fee. Other checking and savings account fees range from $6.95 to $10 and can be waived by maintaining a minimum balance, being a minor or being a Smart Rewards member.
U.S. Bank fees also include:
- $2.50 for withdrawals at non-network ATMs
- $36 for each overdraft over $5, up to four times per day (no fee if your account is overdrawn by less than $50 at the end of the day)
- $12.50 for overdraft protection transfers from a linked credit card
- $35 for stop payment requests
- $2 for paper statements
- $20 for incoming domestic wires
- $30 for domestic outgoing wires
- $25 for incoming international wires
- $50 for outgoing international wires
- $5 per month for dormant accounts
U.S. Bank FAQ
Where are U.S. Banks located?
There are over 2,000 U.S. Bank locations, located primarily in the Midwest and on the West Coast. States with U.S. Bank branches are Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin and Wyoming.
What is the U.S. Bank checking account minimum balance?
U.S. Bank checking accounts require a minimum opening balance of at least $25. Once the account has been opened, it must maintain a positive balance or have deposit/withdrawal activity.
What is the U.S. Bank savings account minimum balance?
The minimum opening deposit for a U.S. Bank savings account is $25. It’s $100 for a money market account. Once an account has been opened, it must maintain a positive balance or show deposit/withdrawal activity.
How much does it cost to open an account with U.S. Bank?
There is no cost to open an account with U.S. Bank, but customers must make a minimum deposit of $25 to establish a checking or savings account. There might also be a monthly fee depending on account type.
Is U.S. Bank the same as U.S. Bancorp?
U.S. Bancorp (NYSE: USB) is the parent company of U.S. Bank and its subsidiaries, U.S. Bancorp Investments Inc. and U.S. Bank Wealth Management.
Is U.S. Bank legit?
U.S. Bank is a legitimate financial institution with more than $587 billion in assets under management. It’s a good option for people who want a wide range of financial services, including checking and savings accounts, CDs, loans and credit cards. The bank offers a variety of rewards programs and waives fees for certain customers. However, it does have some fees, such as for overdrafts and ATM withdrawals.
US Bank Reviews
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Reviewed May 1, 2026
Before US Bank took over Union Bank, I have been a loyal customer since 1996 without a hitch. I was not sure what level of quality we would receive after the change. I started using the branch that is closest to my home when I moved to this area five years ago. Within that time, I have been subjected to rude employees up to my having to report them to their managers on a few occasions. There just seemed to a be a core group of women in there who would treat me like we were high school friends... with them being bully-like in their treatment of me. So I stopped going into that Branch all together. I would use the ATM out front and simply avoided their unprofessional behavior. Then I realized that there is another Branch not far from my home in an area where I shop.
I wanted to set up a new account for my retirement so I went into the other Branch. To my surprise, I was met with such kindness and professionalism by all of the employees there! It was like night and day and something we long-term customers deserve to be treated like. There are many Banks to take our money to, so it is important that each Branch be aware of providing the Best Customer Experience in order to retain our memberships in the banking business.
One Person named Brenda is what motivated this first formal review I'm making today. She has worked at that other Branch of over 7 years. When I went to her window the very first time, it was the fact that she actually cares enough to make eye contact with sincere interest in helping her customers that pleasantly surprised me. I did not know that I had active cards associated with my former account with Union Bank until Brenda brought it to my attention. She immediately offered to deactivate them. She also looked at all of the activity with my accounts to make sure I would have no difficulties going forward. Brenda walked me out in front of the bank and made sure my new account card was activated. She even smiles!
What struck me about Brenda initially and it still does every time I go into that Branch is that she is truly present as a person and her care with details is outstanding. She does not patronize me in any way. Always kind! Always patient! Always alert to help! I told Brenda that I'm not really a 'sweet' person, especially living in a world where people are simply out for themselves alone. Thus, I told Brenda that when I meet persons like her, It is a privilege to stop my day and make time to sing their praises. Thus, this review of Brenda! I just received a new card that I requested from her...overnighted! I didn't have to wait! That is above and beyond! Thank You Brenda!
If all of the employees would take a cue from Brenda on being kind and caring as she is with all of her customers, the US Bank Brand would grow tremendously even during trying times like the ones we're experiencing now. Brenda is a natural example of humility. She is not fake. She should be highly recognized by her Managers and by Corporate Senior Level Management! That being the case, I am going to escalate this review directly to the Corporate Offices of US Bank after I post it herein. I don't trust that people like Brenda receive the recognition that they deserve unless we do the work to flag the grace and kindness that she provides to us.
I believe that Brenda deserves a raise in pay, time off and even a special lunch with the other Branch members being there to celebrate what she has done for customers like me. I now go into that Branch specifically to have my matters cared for by Brenda. She can actually turn a stressful day into a kinder and happier one just by being who she is! Her smile is genuine! Please recognize this humble person for her Excellent Customer Service!! I Give Five Stars for Brenda! Yay!
Reviewed March 18, 2026
I have been with US Bank for at least 25 years. I travel around often. Anytime I call the US Bank 1-800 # or walk into one of the many bank branches in this country the employees are always very friendly and professional. Thanks so much. Mr. **.
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Reviewed March 11, 2026
I have just had one of the most gratifying experiences of my life. I closed a mortgage with U.S. Bank and my loan officer, Rick ** and his team worked endless, tiring hours securing me the best rate, and mortgage possible. Not only is Rick knowledgeable, patient, understanding, and fun, he is one of the kindest people I have ever had the blessed fortune to run into. When you're ready to secure a mortgage, call U.S. Bank and ask for Rick **. You'll be as impressed as I am.
Reviewed May 8, 2026
I been with US Bank for 21 years. I have a Business and Personal accounts. 3 credit cards. Personal Money Market, and Personal savings. For 24 years I never invested my money. So US Bank had a large amount to loan out and I received under $10 a year. I decided to learn to invest. Open up accounts with the President at my bank. He said all kinds of lies. Customer service. Will bounce you all over. Not my dept. On hold. Hang ups. You get a reply back from a email. But you can reply back. The email will go through, only the next day say. It didn’t. I go back to my bank and sit down with the main boss, no one is ahead of him. He says oh…. Go back and try a different custom service agent. Bla bla Bait and switch is their game now. The fees are so stupid. So tricky. They have become con artist. Most will just give up. I’m leaving the bank. I can’t work with liars.
Reviewed May 4, 2026
I have been a US Bank member for a while and have used them periodically as a Zelle account. Within the last few weeks I have placed a large deposit into my US Bank account and almost immediately experienced my account being hacked. Coincidence I'm not sure. But, a US Bank representative helped someone hack my account by changing personal information by phone.... creating a multitude of problems that including the account not being placed on hold correctly. And, the hacking continued.... Numerous(70 plus) debit transactions taking money out of my account.
A branch located in Northern CA also had a teller named Sarah that shorted my cash transaction within the same week by 1k for a cash withdrawal. No big deal to them nor the Branch Manager. Sarah very much justified she had done everything correctly, including not counting the money in front of me with the handoff.... She said it was done. Unfortunately, her confirmation that all the money was included with the cash withdrawl, was not true. 1k dollars was missing. She stated "all the money is there", when asked and it was not. Inappropriate business conduct, identity theft, falsifying transactions, and fraudulently taking money from members... Now occurring with US Bank. User Beware.....
Reviewed May 2, 2026
Updated on 05/11/2026: 2 days ago, I learned that US Bank stopped the automatic withdrawals for my wife's Medicare supplemental with Cigna 3 years ago and the policy lapsed (3 years ago), without our knowledge.
Original Review:
1. US Bank in LA JOLLA, CA 92037 tricked my wife into opening 3 accounts.2. They filed a request for a welfare check when we wanted to combine our accounts as joint accounts, which caused us great stress because we thought the welfare check was for a medical condition my wife was dealing with.
3. They refused to add me to my wife's savings account (which was both of ours anyway).
4. I have filed 2 complaints with the CFPB against US Bank.
5. They don't have tellers anymore at the LA JOLLA, CA, US Bank.
Reviewed April 24, 2026
I’m very confused on how I have to be charged a six-dollar fee when the people over the phone messed up my delivery address and also I never got my first card to begin with. So I feel as if I shouldn’t be charged a six-dollar fee for something I never had for y’all to replace and also I just got off the phone with a supervisor and she said her name was Brianna, but she could be lying. But all I’m gonna say is I am very disappointed with how y’all can’t waive that because it’s not my fault. It’s the company‘s fault and if it wasn’t for me working at a certain spot, I will not be getting my card from y’all are a terrible company.
Reviewed April 18, 2026
Experiencing difficulties with my family checking accounts. I had to close one account and open a new one however my transactions are coming out of another account that doesn’t have my name nor same card information. Working with staff have been pleasant; however experiencing this, now appears with a lack of understanding of US Bank systems. I hope when I go in again today that I get someone that will stay on task with my request….
Reviewed April 15, 2026
This is the most inconvenient banking institution I have ever had the displeasure of experiencing. I have been a U.S. Bank customer for years. I deposited a physical check in the ATM. It took 11 days to clear. I recently deposited a check through the mobile banking app that I was given through the bank on April 4. The bank said my funds will be available by the 14th. They were indeed still being held up. I received a letter saying that they were going to continue to delay my funds until now the 16th. Unacceptable that you purposely delay your customers who have never bounced a check in their account since the account has been opened.
Additionally, this was a work check from an employer that had been in my account previously. It should not have taken this long, and I got a letter stating that they were purposely delaying me. I will be closing my account and withdrawing every dime out of this bank. Do not bank with U.S. Bank. They are inconvenient. Do not care about their customers and it takes entirely too long for them to release your funds. If you want a peace of mind and access to your funds in a timely manner bank somewhere else not U.S. Bank. Additionally, there was also an incident after I spoke with one of their customer service representatives. $1000 was stolen out of my account after she turned off my alerts. Of course they did nothing about it. I got some of my money back.
Reviewed April 9, 2026
After over 30-years they have lost me as a client. No more mortgages, checking accounts, etc. Horrible treatment of clients. I have kept a checking account, rarely use is but keep $1K in it. They told me if I didn't have more transactions they'd have to close the account. No worries, I closed it. Then I needed to send them some docs regarding my brothers account, they have no way to upload into a portal or accept email. Have to snail mail or fax, really? Who has a fax anymore. We closed his account.
US Bank Company Information
- Company Name:
- US Bank
- Website:
- www.usbank.com