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U.S. Bank Checking Accounts Review

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U.S. Bank is a full-service financial institution. The company's core businesses include consumer and business banking, corporate and commercial banking, payment services, and wealth management and investment services. The company was founded in 1973 and is based in Saint Paul, Minnesota. U.S. Bank operates as a subsidiary of U.S. Bank National Association.
 
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Call: (800) 872-2657

How is U.S. Bank rated?

Breakdown

3.8/5
Account Features
4.6/5
Fees and Restrictions
3.9/5
Support, Reputation, and Financials

Overall Rating: 4.1 / 5 (Excellent)

Between its seven checking accounts options, U.S. Bank can meet the expectations of a wide variety of customers. Every checking account comes with online and mobile banking, email or text alerts, free bank check card and access to more than 3,000 U.S. Bank branches and 5,300 ATMs. Checking account monthly maintenance fees range from $6.95 to $19.95 but the bank waives these fees when certain requirements are met. Overall, U.S. Bank provides a broad selection of services and account features.

U.S. Bank Account Features

Account Features - 3.8 / 5

U.S. Bank offers seven types of checking accounts, including options for students, seniors, and people who only use debit cards instead of checks. The basic account is Easy Checking, which has a monthly fee of $8.95, or $6.95 if you opt for online statements. Customers can avoid this fee by keeping a $1,500 minimum balance or by making at least $500 in direct deposits a month. On the downside, U.S. Bank's has high fees for overdraft and wire transfers, as well as below-average interest rates on deposits.
Types of Checking Accounts
Online Checking Accounts
Student Checking Accounts
Senior Checking Accounts
Pay Bills Online
Yes
Bank Checks
Yes

U.S. Bank Fees and Restrictions

Fees and Restrictions - 4.6 / 5

The U.S. Bank has a digital platform that offers online and mobile tools. Customers can download the free mobile app to track their spending, pay bills, deposit checks, and more. Also, the bank has more than 3,000 brick and mortar branches nationwide. Unfortunately, the bank doesn't offer many discounts regarding fees.
Maintenance Fee
$8.95 or $6.95 if you opt for online statements
Minimum Balance
$1,500
Minimum Monthly Deposit
$500 in direct deposits

U.S. Bank Support, Reputation, and Financials

Support, Reputation, and Financials - 3.9 / 5

U.S. Bank is the nation's fifth-largest bank by assets. Furthermore, in 2017 U.S. Bancorp ranked in the top 10 among companies around all industries in the key attributes of reputation: quality of management, long-term investment value, use of corporate assets, and financial soundness.
BBB Rating
B
Trust Pilot Rating
3.8 out of 5
Date Collected
2018-09-07
Year Founded
1929

Company Profile

Full Name
U.S. Bank Checking Accounts
Company Website
https://www.usbank.com/index.html
Headquarters
101 5th Street East Suite A, Saint Paul, MN, 55101

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Our Partner

Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities

  • Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.

  • Waivable $6.95 monthly maintenance fee

  • No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program.

  • No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs.

  • Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

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