Pros

More than 3,000 branches in 26 states.
Promotional CDs with rates starting at 1.75% APY; rates vary depending on your location.

Cons

0.01% APY on standard savings account; better rates available elsewhere.

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Overall

3.0

It’s no secret that big banks sometimes charge high fees and offer low interest rates. U.S. Bank, the country’s fifth-largest by assets, is no exception. But what this institution does well is provide convenient access to thousands of physical branches and ATMs.

 

Ratings methodology | Updated December 5, 2018

Checking

3.5

U.S. Bank offers seven types of checking accounts, from a basic account to options for students and people who exclusively use debit cards instead of checks, as well as an interest-bearing account for seniors. There are also silver and gold packages designed for those who have other accounts at the bank, and an additional interest-earning account.

 

The basic account is Easy Checking. It has a monthly fee of $8.95, or $6.95 if you opt for online statements. To get the charge waived, make monthly direct deposits of at least $1,000 total or maintain an average account balance of $1,500.

 

U.S. Bank offers free access to more than 4,700 U.S. Bank ATMs nationwide. But if you go outside of the network, the bank charges a $2.50 transaction fee, in addition to whatever the ATM’s owner may charge (unless it’s a MoneyPass ATM, in which case there’s no surcharge from the ATM operator).

Standard Savings Account
APY
0.01%
Min. balance for APY
$1

at U.S. Bank,

Member, FDIC

Easy Checking
APY
Monthly fee
$6.95
Balance to waive monthly fee
$1,500

at U.S. Bank,

Member, FDIC

Certificate of Deposit
APY
0.75%
Min. balance for APY
$10,000
Length of term
5 years

at U.S. Bank,

Member, FDIC

How does U.S. Bank compare?

U.S. Bank

Standard Savings Account

cheatgame.info Rating

at U.S. Bank,

Member, FDIC

APY

0.01%

Monthly Fees

$0

Bonus features

2,000+ branches

Mobile-friendly

Live help 24/7

Goldman Sachs Bank USA

Online Savings

cheatgame.info Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Citizens Access

Online Savings Account

cheatgame.info Rating

at Citizens Access,

Member, FDIC

APY

2.35%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Not for you? Read more bank reviews
cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Bad Bank
They Closed my Equity Line of Credit when I still had 5 years to draw for no reason. When I asked they said bla, bla, bla. I don't recommend this bank.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Worst bank in every way
Terrible costumes service! The fraud department is a joke! My debit card number was stolen and purchase were being made in an other state. I called and filled a claim and was told that my money would be put back into my account. Two months later and my money still hasn’t been put back in my account. I have called 4 times since, spent hours one the phone being transferred from one person to the other and no one can tell me why my money can’t be put back into my account. The last time I spoke to someone a supervisor in the fraud department, she told me she did not know why my money wasn’t back in my account and that she was going to have a supervisor (with authority to refund) from the fraud department call me back. She could not give me a name, phone number or time. Simply said within 24hrs a supervisor would call me back. So I’m just suppose to wait on someone to call me and ask me for all my personal banking information and without knowing a phone number or a name to properly identify this person, I’m suppose to give them all my information so that they can verify me..... This is USbanks fraud department. I am canceling my account with them but need for this to clear. Besides this mess the lack of ATM or the fact that the only one in my area is always broken witch means I have to drive for 40 mins to use the next ATM closest to me or pay a fee. If I walk into the branch they only have one to two people working. Do not trust this bank, do not waste your time with this bank.
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