US Bank

US Bank Reviews

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Overall Rating3.1 out of 5
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About US Bank Reviews

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.

Pros & Cons


  • 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

Bottom Line

U.S. Bank provides a range of banking services and products. Though its overdraft fees can be high, U.S. Bank offers convenience and financial options at thousands of branch locations and an online banking app.

Featured Reviews

Honolulu, HI

We've been with U.S. Bank for at least 12 years now and we love it. US BANK helped me with my first account after I turned 18 and got me through school. The Bankers are wonderful ...

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Batavia, Ohio

US BANK GOES OUT OF ITS WAY TO BE AVAILABLE TO ALL ITS CUSTOMERS. THEY HAVE VERY COURTEOUS SERVICE STAFF & online help is always there to help. They have very customer friendly po...

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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.

U.S. Bank offers a standard checking account with overdraft protection, called Smartly Checking. It also offers a checkless account that avoids overdrafts, called Safe Debit. Safe Debit has a non-waivable $4.95 fee.

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
U.S. Bank savings accounts come with online and mobile banking, digital statements, overdraft protection and account alerts. Accounts require a $25 minimum opening deposit and a $4 monthly maintenance fee. However, account holders don’t have to pay a monthly fee if they’re a minor or maintain a minimum daily balance of $300 or more.

Consumers can apply to open a U.S. Bank savings account online or in person.

The U.S. Bank money market account offers tiered interest rates that pay more for higher account balances. U.S. Bank’s money market accounts require a $100 minimum opening deposit.

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.

U.S. Bank CDs guarantee a fixed rate of return. Consumers can select terms ranging from one month to five years. A minimum deposit of $500 is required to open a U.S. Bank standard CD account.

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.

U.S. Bank currently offers seven different credit card options with annual fees ranging from $0 to $400. Select from cards with cashback rewards, low interest rates on balance transfers or travel perks.

U.S. Bank also provides three additional secured credit cards to help you build credit.

U.S. Bank offers a variety of loans and lines of credit. U.S. Bank’s personal loans have fixed interest rates and monthly payments. Customers can also apply for U.S. Bank car loans and U.S. Bank mortgages.

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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Page 1 Reviews 0 - 10
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Reviewed Sept. 6, 2023

Marinda made a difficult process easy. She went out of her way to help get my provisional credit reversal reversed. I was out of town and had been waiting over a week for this situation to be rectified. After they told her it would be a few more days, she did her magic and got it situated within 30 minutes. Thank you for making a frustratingly situation easy. US Bank needs more employees like Marinda. THANK YOU MARINDA FOR BEING EXCEPTIONAL!!!!

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Reviewed Sept. 5, 2023

I have a dispute with a dealer that they charge me 777.00, they supposed to send me that money back, never send me the money. I dispute this with US Bank and no help with this matter, do not trust this bank. Stay away.

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    Reviewed Aug. 26, 2023

    I wish I could give below zero to the US Bank. Total nightmare. I tried to open a bank account online, and it did not accept any payment methods to activate the account. Then, I stopped by at one of their branches and opened an account which took 1 hour. I was waiting for my debit card but it did not arrive. Then, I called customer services and I was told that ID & address verification are required. When I opened the account at the bank, I brought my driver's license, password, lease but they still put on hold. One bank teller says they can give a temporary debit card and other one says they cannot. I had to make a second in-person visit to activate my account. Avoid them at all costs. As soon as they approve my application, I am gonna immediately close the account. Oh, last but not least they "automatically", open a second checking account without my consent or request. They did not even provide a valid answer how did this happen.

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    Reviewed Aug. 26, 2023

    I'm a small business owner. I've had accounts with US Bank for 20 yrs. With my business I use online banking everyday including the app, 2 days ago I had a biometric issue with my phone when attempting to login to app, as result I had to reset my password which has never been a problem doing, however after the password reset I attempted to login and received a message telling me that my username has been disabled and needed to call for help. I have called 2 times (as I was told to wait 48 hrs. and call back if needed). Both reps told me nothing could be done to fix my login and that I would have to wait another 48hrs and call again.

    As a result, I am unable to use online banking, I'm not able to see if invoices that have been sent to my customers are being paid, I'm also unable to see if charges are being made to my business and personal credit cards, I can longer see anything. I've never been treated as badly as I was when calling to fix the problem. Both reps I talked to didn't care and tried treating me horribly bad as if I committed a crime by having basic login issues. They flat out didn't care that I lost online access to my business accounts. I feel this problem will NOT be resolved, as a result I feel that I have no choice but to go through the process of switching banks, when all I did was asked that my login be fixed. With all this said I wonder how and why US Bank cares about small business. This minor problem that has a simple quick solution is having a negative effect on me and my business.

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    Reviewed Aug. 25, 2023

    Wish I could leave zero stars. When setting up an account they say you can use the online banking and virtual card right away until your packet comes in the mail. They don't mention you can't use online banking until you receive your account number that is in the packet. I have to wait 10 days to receive my packet to start using my business account. Who can wait 10 days to bank for a business? When you call they're very unhelpful, a bunch of "sorry" and "we're aware of the issue" but no help. Not a good start, going to close the account and go with Bank of America.

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    Reviewed Aug. 24, 2023

    Contrary to US Bank’s phone reps and managers, the state of Texas does not issue titles. They expect the loan company to mail. The DMV and two car dealers agree. I have had 5 car loans in Texas over 20 years. Bank of America, Chase, Toyota, Ford, and a credit union all mailed the title to me after pay off. I had to apply for a duplicate title at DMV and pay $40 to process. The DMV also said US Bank is the worst to deal with. I called and ask for a refund with a manager and they refused. My next steps will be letter of US Bank Office of President and BBB. Unbelievable experience.

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    Reviewed Aug. 21, 2023

    I've decided to close both my savings and checking accounts with US Bank due to the frustrating inability to complete a basic online external transfer. Wasting over 40 minutes on the phone being shuffled between unhelpful agents and encountering a very rude manager named Nathan, is disappointing. Being denied access to my own funds for no reason, even within the bank's inconveniently low daily limits, is simply unacceptable.

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    Reviewed Aug. 17, 2023

    Froze online access 8/17/23. I called and the associate didn't know why. When I asked to speak to that department she indicated they can't connect to that office and she indicated they have 24 to 48 hrs to reach out to the effected customer. I asked to speak to a supervisor and 40 mins later she indicated, "They are busy and they will call you back," but we all know how call backs are handled. My online access better be enabled within the next few hours or I will close accounts and move on.

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    Reviewed Aug. 5, 2023

    On July 31, at 10:50 am, I put a $20 in the ATM at Riverside Dr. and Mariota Ave. I got a receipt back saying mechanical error. The branch teller said to call and start an ATM dispute. I started a dispute on 7/31 but have not received a refund for the missing deposit.

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    Reviewed July 12, 2023

    My fiancé and I both applied for a US Bank credit cards (Altitude Connect) when our furnace suddenly went out and we had to buy a new one quickly. Instead of using the 0% APR with the furnace company to finance our furnace we opted to both apply for US Bank Altitude Connect credit cards because of the following Offer: "Earn 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." As well as an extend pay program which states "Extended payments for unexpected expenses. Pay over time on purchases of $100 or more with no interest, just a small, fixed monthly fee."

    We both apply for the cards, we get approved, we discuss in great detail our plans for the cards to the representative on the phone.... each earn a little over $500 as we were both spending $5570 on our furnace, sign up for extend pay which would cost less than $100 and make monthly fixed payments with zero APR for our purchase and basically each get $400 for a total saving of $800 off our new furnace.

    SOUNDS LIKE A GREAT PLAN RIGHT??? This was the worst plan and here is why. You must apply for extend pay within 60 days of your purchase, you are unable to sign up when you make the purchase you must wait until you are sent an invite to start the extend pay. Month one goes by we both pay over $100 in interest while waiting for the invite for extend pay, 60 days go by and still no invite for extend pay after several calls to Bank Of America they make it very clear they have ZERO control over the extend pay service they advertise.

    At about day 65 we get an invite for extend pay, thats 5 days past the deadline and we no longer are eligible. We call Bank of American and again this is out of there control they can do nothing regarding extend pay. I do however explain my story to a representative and US Bank does refund our $100 in interest we both paid the previous month. So we both transfer our balance to other cards with zero APR for balance transfers we pay the 3% fee for the service and start making payments.

    Since I now have no balance on my US Bank Altitude Connect Card it's time to get the cash rewards off the card. I attempt to transfer the $557 to my bank account as stated above CASH's the catch you must have a US Bank account to transfer it to. So now I either apply for a US Bank checking or savings account in which my credit takes a soft hit, just so I can get the money I earned from the rewards program, or I get a $557 gift card which doesn't help me pay off my furnace and is not something I need. My fiance and I have spent countless hours on the phone with US Bank since the day we decided to go this route to TRY to save money on our furnace. As soon as I get my $557 that is owed to me I will destroy my card, cut all ties with this company, and NEVER do business with them again..

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    US Bank Company Information

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    US Bank