US Bank Reviews
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About US Bank
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.
Visit www.usbank.com- 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
Helpful Reviews
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.
Checking accounts
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
Savings accounts
Consumers can apply to open a U.S. Bank savings account online or in person.
Money market accounts
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.
Certificates of deposit
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.
Credit cards
U.S. Bank also provides three additional secured credit cards to help you build credit.
Loans
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.
Still have questions?
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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Reviewed July 12, 2026
Deposited a check from cashing out some of my gold. This time US Bank decided it would not be honored and held payment for 10 days. I've deposited the same checks from this highly rated (Forbes) company four times before with no issue or delays. Unfortunately, I had loaned a family member some money and needed this money to pay my mortgage and other bills. I called customer service explaining the need for these funds but got nowhere and then asked for a supervisor. She said the same thing that it was being held for 10 days and was actually rude about it and had no empathy regarding my situation whatsoever.
I asked for at least half since my direct deposits from our Social Security would more than cover it that but still was given a flat no. It used to be a supervisor could make concessions but this one wouldn't and didn't care at all. This was unacceptable and by far the worst customer service I have experienced by any bank. Too bad, but as a matter of principle, I will be looking for another bank after all these years.
Reviewed July 10, 2026
The customer service is awful. They have one person to take care of the Front and the drive up window. I’ve been sitting here for a good 10 minutes now and there’s a car ahead of me. This isn’t the first time it’s happened. So many times and at different locations. One time I went to location didn’t see anybody at the drive up window. I rang the buzzer once twice three times nobody showed up and I left. This is their business model. Tell you something about their Bank.
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Reviewed July 3, 2026
This has to be the worst bank you ever have to go to. I recommend not doing it. They have fees that they charge every month six $12 fees and they do it randomly. It’s not even a month. It’s just whenever they want to. They don’t have good customer service skills either I close my account no longer with them after I’ve been with them for about 15 years. I recommend you find another bank. I believe that they need customer service training, even the management and they transfer from one person to another because nobody knows what they’re doing.
Reviewed July 3, 2026
Never lease with US Bank. The best bank for leasing is the captive brand. For instance if you are buying Nissan do your lease with Nissan finance. There is a reason US Bank does leasing for every brand. The reason is to rip people's head off. Worst customer service on earth.
Reviewed June 30, 2026
Terrible service and lie to your face. Don't even try it here. They will rob you.
Reviewed June 29, 2026
I was talking with CSR (Cust. Service Representative) over the phone, she was very unprofessional and so rude. I asked her about unauthorized transaction in my account, I already reported that on 6/17 and blocked my debit card, and I received the fund back in my account last week when I checked my account, but then on 6/26, that merchant took again from my debit card that I was already reported and blocked. I asked why after I reported and blocked the card, the merchant still can withdraw the fund. She explained everything to me, but she was so rude and unprofessional, she muted me few times while I was on the phone cause I can't hear anything, I know if she muted me, then I had to say "hello..hello" for several times, then she answered for so long and said, "I'm here". Then, I asked her so that I can speak to manager, she transferred me to her Supervisor, and her Supervisor was even more rude to me.
While I was on the phone explaining everything and I was talking, she disconnected the call. I was like, "Wowww", I've never treated to any other bank's Customer Service like this. I didn't yelled or screamed, I didn't cuss at all, I didn't even threatened anyone at all, but she disconnected my call. I was working as CSR too in the past, so I know all the rules, and I never disconnected any of my customers' calls. I'm so disappointed at US Bank CSR. Also, in the past, I also had experienced in this bank, that there were unauthorized transactions, and that was several times already, I got refunded and my card got blocked and got new debit card, but back in those days, the CSR were more nicer and professional, but now, they're so unprofessional and so rude. I've been customer for 12 years now, I should look for new bank who have more professional, friendly, and more nice CSR who can treat customers better.
Reviewed June 24, 2026
I'm not sure if it's because I'm fairly new to US Bank or they just have some work to do. US Bank has been around for a long time, and therefore should be one of the leaders in banking, but they are not. I just left my credit union and hitched my wagon to US Bank because they allow $3500 a day transfers with Zelle and my sister also banks there. My credit union only allowed $500 a day.
You would think with both of us banking at the same financial institution, this would make it much easier to transfer money between accounts. NOT SO. Our best choice seems to be to Zelle the money one way or the other because US Bank won't allow a member to member transfer. This means the money sent via Zelle is not insured like it would be if US Bank allowed member transfers. My credit union allowed member transfers and it was easy as pie.
BILLPAY: Let's talk about how messed up their BillPay service is. US Bank does not allow you to SEND money to a creditor on a certain date. They only allow you to setup the date you want your creditor to RECEIVE the money. And then they give you no indication what day the money will be pulled from your account and how long it is expected to transit. This is all information that matters to the US Bank client. And if there are clients that don't need that information, no harm done. You can never supply us with too much information about our own account.
Their solution is to setup a notification so you get an alert whenever the money is being sent. I'm a pretty smart guy. I don't need an alert. I just need to know some dates. I can handle it from there. ALSO: There is no telling what time of day they will pull the funds from your account. It would be nice to know a cutoff time to use the BillPay service. My bills seem to get pulled in the late afternoon. Not sure why they can't send them in the morning so we don't lose a day. Honestly, if it weren't for the fact that I have received my checks and Visa already, I would seriously consider going elsewhere. I will stick it out in the hope that things at US Bank get much better soon. There is obviously a lot of work to do.
I put my sister on my Visa as an authorized user the day after they sent me my Visa. That was almost 2 weeks ago and still waiting for her card. I had to call US Bank (again) to find out what the heck is going on. I don't think they ordered the card. I was told they would "Expedite" a new card for her. That was a few days ago. We'll see if it's in the mail today. I feel like I'm babysitting this bank.
Lastly (I hope), US Bank does not allow you to unsubscribe from ALL communications. I still receive things that are not pertinent to my financial life. US Bank thinks they are "informative", but I would prefer that they keep their ideas to themselves. I am a grown man that perfectly capable of managing my own financial life. I know they would just love to sell me products, but I'm just not interested. I talked with them (again) about this problem, but they said "they have no control over that". That's just BS. They set it up. They can do something about it. Are they trying to tell us that someone infiltrated their system and setup these advertisements without their knowledge? I don't think so.
Reviewed June 18, 2026
I will stop all the relationships with this bank as soon as my accounts are paid off. I cancelled my autopay at least 5-7 days prior to the pay date. But I paid half of the full amount of the credit I owned and within couple of days I am receiving message that my bank account went negative. I checked and this Mother truckers took an autoday that was cancelled. When I called the lady barely speak english and was looks like out of the country. She was rude, unprofessional and irresponsive. I asked for a manager and she was not happy about it. Well who gives a shiiit if you are not doing your Job, Once I got to the manager this is where the "Magic begins"
This Travis "man" did nothing except making me feel that It's my problem that this happened and we don't give a ** about you or your US Bank account. As soon as I heard that we were disconnected because I could not listen to this lie all the time. I will not come back to this bank and not recommending it to anyone in our country, Chose someone else on your long journey because this people does not care about you, your business or money in general.
Reviewed June 17, 2026
Never ever get a loan, checking or overdraft protection. They’ll slide the overdraft in at 25% interest and then make your auto payments late. They also won’t tell you that you could sign up for Notifications on checking accounts since they are so slow to hit your bank with them. Dishonest, scavengers. If you bring up an obvious issue they messed up, it’s only reviewed by them. So you're screwed anyhow, place used to be good, now I’m currently closing all my accounts with them.
Reviewed June 8, 2026
In regards to the ridiculous US Bank Focus Payroll Card. I'd give zero if I could.
US Bank Company Information
- Company Name:
- US Bank
- Website:
- www.usbank.com