US Bank Logo
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Overall Score

LAST UPDATED: February 13th, 2023

US Bank has been in operation since 1863. They are a consumer and commercial banking business with total assets of $403 Billion. There are over 3,000 US Bank offices and 5,000 ATM's across the nation. The financial services institution provides solutions at the personal banking level as well as banking solutions for small businesses, commercial organizations and governments. The Minneapolis-based company was the nation's fifth-largest bank by deposits as of December 2013.

Continue reading for pros and cons, and US Bank reviews from real customers.

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The Good

  • Variety of Accounts
  • Online Banking
  • Educational Expenses
  • Customer Service

Variety of Accounts

US Bank offers five types of checking accounts and five types of savings accounts.

Customers can pick a checking account with a monthly maintenance fee that matches their needs and financial circumstances. On some, but not all, of its accounts the maintenance fee can be waived. However, all checking accounts include access to branches in more than 25 states, nationwide ATMs, and online banking options.

Additionally, for customers looking for a savings account, US Bank has various options depending on your needs. Accounts vary on what you are saving for and either have a $0 monthly maintenance fee or a low fee that cannot be waived. In addition, each account requires an opening deposit.

US Bank also provides various credit card options for personal banking, as well as business checking account options.

Online Banking

To meet the needs of today's customers, US Bank has a spread of online services available. Online banking services provided by US Bank include mobile banking and mobile wallets. With US Bank's mobile app customers can deposit checks, pay bills, and transfer card balances, allowing customers to do their basic banking quickly without visiting a US Bank branch location.

Educational Expenses

US Bank's options also assist college-aged students, as well as adults looking to return to school to complete a degree or pursue post-graduate education. 

For young students, US Bank provides student checking and savings accounts with a $0 maintenance fee, as well as student credit cards, there are options for students looking to save money and build credit. Additionally, to help cover costs of college education, and even elementary and secondary education, parents can set up a 529 plan, an investment plan in which contributions grow tax-deferred and remain tax-free if funds are withdrawn.

Customer Service

Whether you have questions or concerns about your accounts or other US Bank products or services, you can reach a US Bank representative 24/7. The company can also be reached through social media.


The Bad

  • Monthly Maintenance Fees
  • Overdraft Fees

Monthly Maintenance Fees

Monthly maintenance fees for US Bank checking accounts are relatively high in comparison to other banks. It is important to note that maintenance fees can be waived if a certain account balance is maintained or if a minimum amount is deposited into the account each month.

Overdraft Fees

US Bank has a high fee of $36 for overdraft transactions of more than $5. This fee can be charged up to four times a day, which can quickly accumulate and take a hit on your finances.


The Bottom Line

US Bank has shown that it is constantly growing. Providing services to consumers, small businesses, or commercial companies, there are options for everyone.

US Bank has much to offer customers with its wide range of financial services. Customers are free to bank online or use US Bank's mobile app to deposit a check. Customers can also save for college and find ways to finance their journey in receiving a higher education.

Our recommendation: If you're in a rush, choose another bank whose sign up information is more readily available. If you have time when choosing who to bank with, consider US Bank, as it is the fifth-largest bank in the nation overall.

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70 Reviews

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Tony's Babygirl Staton St Louis, MO

Ok banking. Very difficult in explaining certain issues on accounting but service is reliable

1 month ago

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Brittney Mac Gregor Louisville, KY

The US bank I use is actually inside a Meijers grocery store, which makes it a bit of a hassle to go to and is the reason for 3 out of 5 stars. Anytime I need to use the ATM I have to go inside a large grocery store, instead of using a drive through like most banks. On the other hand they offer decent rates for their credit cards and loans. They have an app that lets me deposit check from my phone. I just wish there was a physical location rather than the grocery store chain.

1 year ago

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Jeremy Brown Riverton, UT

I had a bad experience with a business account. The setup was painful and I could only deposit small amounts in the mobile app. And come to find out after my setup transfers out take extra fees. It was just obnoxious since I have alot of extra work each month because of this.

3 years ago

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Hayden Danger Barton Layton, UT

Banked year for years. Not bad at all but not the best

4 years ago