US Bank Logo
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5.2

Overall Score

LAST UPDATED: November 24th, 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.

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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.

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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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Star Rating

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3.9

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74 Reviews

Review Breakdown

5 grade

47%

4 grade

28%

3 grade

5%

2 grade

5%

1 grade

14%

Sentiment Criteria

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Quality

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Service

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Paula Pili Provo, UT

Great second chance Bank! As long as you haven’t committed fraud they will give you a bank account! For the most part they are a good bank. I currently have US Bank, it’s going on 6 years. It’s a hit and miss with customer service. Eventually I see them closing their call center because agents don’t have authorization to do anything. Or that’s what they tell me. They are basically a voice version of the writing online. When I first opened my bank account they’d credit my monthly fee. I closed my credit card and they charged me fees again. Not outrageous. ($6.95/$12.95) on each checking account. Still after 6 years. I’m actually looking for a new bank. It’s difficult to get a car loan. Any loan I had to go to a credit union to get my car and personal loan Both have awesome APR. Longevity and Loyalty don’t seem to matter to this bank. It you want to feel valued, you’ve come to the wrong bank.

2 years ago

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Ioana Asiata Herriman, UT

US Bank has very knowledgeable staff who are always willing to go above and beyond. Whenever I need to call in to customer care they take care of the issues I have the first time and I don't have to deal with being connected to other departments ten times. I would totally recommend US Bank to anyone!

4 years ago

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Angelina Hamilton Gulfport, MS

Use this bank with work. I am in accounting and finance. I like the features that are available online. It has all the reports I need. I can pull a report each day to see if any checks didn’t clear way before I get it in the mail. It definitely makes my job easier!

4 years ago

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McKinzie Figueroa Provo, UT

We have really liked using US Bank. Their customer service has always been great whether we call in or go into a branch. I like knowing that no mater what questions I ask them they will respond and not treat me like I am dumb. They've been a great company to work with.

5 years ago

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Troy Gundersen American Fork, UT

US Bank has been my go-to bank for business accounts. They have the services that have helped me keep my business moving. The only drawback for me is that they don't have enough branches. I have to drive 15 minutes to get to the closest one. I know, it's a first world problem.

6 years ago

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Chris Bright Tempe, AZ

Nice bank with friendly tellers. They don't seem to handle busy days well though. There is not much guidance or greeting in the lobby. I switched to a smaller more personal bank

2 years ago Edited April 6, 2022

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Amy Boren American Fork, UT

We have been with us bank for our home mortgage. They have been great to work with. We have had a few things come up and they were good to fix the problem. They have great interest rates.

4 years ago

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Darbles32 Managua, MN

I have been a customer of this bank for my whole life and it has served me well. The employees are always kind and I am able to find a U.S. bank near me almost anywhere

4 years ago

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Tom Pleasant Grove, UT

I have been a customer of US Bank over the years and I am totally happy with their accounts and account features, online banking, and lending capabilities.

5 years ago

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scott

great customer service. professional and competent. sometimes the wait time is a little bit long if I have to go in my branch for some reason. lots of branches.

5 years ago

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Lindsey American Fork, UT

I used US Bank as my small business bank. I really enjoyed their low prices for my small business. They had lots of rewards and they have lots of bank locations where I live.

6 years ago

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Sheila Marie San Francisco, CA

Amazing credit card. Bumped my credit score within the first month. Never knew i could raise my score with a simple secured credit card

2 years ago

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SnowballH Sandy, UT

I've used US Bank for both personal accounts and business accounts. They've been great to work with over the last 20 years that I've known them.

4 years ago

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Douglas Kempf

Good easy to use website, good customer service when banking in person, very responsive to a fraudulent use of my debit card

5 years ago

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Hayley Lambdin Orem, UT

I deposit my rent checks at this bank for my landlord and the customer service is always really great and I am in and out fast.

6 years ago

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Bill Nelson Salt Lake City, UT

I have a lone through them and like the fact I can make payments through the website.

4 years ago

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Jacob

The fees are not the best when they send 'incentives' however, they will take care of your needs.

5 years ago

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SHENA LALLY Dayton, OH

Greet me by name. Do all the necessary paperwork for me. Personable.

5 years ago

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Sylvia Harris The Bronx, NY

Sometimes not able to connect..otherwise good service

5 years ago

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Previn T Marquez Denver, CO

Great credit, great income, too hard to borrow

5 years ago

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Dave Mason

Excellent service very helpful friendly go the extra mile

5 years ago