National Bank, usbank.com
Most Popular Accounts
About the Bank
U.S. Bank is among the nation’s largest banks, with just over 3,000 branches and more than 5,300 ATMs located in over 40 states across the country. Headquartered in Minneapolis, Minnesota, the bank serves personal, small business and commercial banking customers.
U.S. Bank checking account options range from basic to high-end, with four account types to suit different financial needs. These accounts can be combined with U.S. Bank savings accounts, money market accounts and credit cards to form a complete banking package designed to meet your financial goals.
The Silver Checking Package, for instance, features a basic checking account and a Package Money Market Savings account. The money market account earns a competitive interest rate and it can be used as overdraft protection for your checking account. Bundling these two together offers an opportunity to avoid the monthly maintenance when you set up qualifying direct deposits each month or maintain a minimum combined balance in your accounts.
Gold Checking allows you to avoid a monthly maintenance when you have both a U.S. Bank checking account and U.S. Bank personal loan, line of credit or credit card. Platinum Checking features an interest-bearing checking account that comes with added perks like free personal checks, no-fee money orders, preferred interest rates on new loans and access to the Platinum Select Money Market Savings account, a high-yield savings account with no monthly maintenance fee.
If you don’t need a savings account, you can opt for just a Premium Checking account. This is an interest-bearing account with a monthly maintenance fee, which is waived for customers aged 65 and older, or those who meet the minimum balance requirements. Easy Checking is U.S. Bank’s most basic checking account, with all the standard features you need and a low monthly maintenance fee. There’s also a checking account just for students.
Savers can choose between the Standard Savings account, money market savings or a certificate of deposit. U.S. Bank offers four different types of CDs, with terms ranging from one month to 60 months, giving you the flexibility to save for both short- and long-term goals. Interest rates for all of U.S. Bank’s deposit accounts are similar to what you’ll find at other traditional big banks.
U.S. Bank has an extensive line of credit card offerings, with over 30 cards to suit virtually any spending style. Certain cards, such as the U.S. Bank Cash+™ Visa Signature® card and the U.S. Bank FlexPerks® Travel Rewards Visa Signature® card, are reserved exclusively for U.S. Bank customers. There are, however, plenty of other cards to choose from if you need a cash back, travel rewards or secured credit card but you don’t have a checking or savings account with U.S.Bank.
In addition to the usual banking products and services, U.S. Bank also offers mortgage and home equity loans, auto and personal loans and investment services. With the U.S. Bank app, you can conveniently manage all of your accounts in one place, make mobile check deposits, pay bills and send money to friends and family through Zelle.
U.S. Bank Fees
- National Average
- Monthly Inactivity N/A $6
- Non-Sufficient Fund (Overdraft) $36 $30
- Stop Payment item $30 $27
- Return Deposit $36 $13
- Domestic Wire Transfer (Outbound) $30 $22
- Domestic Wire Transfer (Inbound) $20 $10
Locations & Hours
Locations & Hours
We found bank branches & ATMs within miles of .View Locations & Hours
Latest Customer Reviews
Reviewed By Blahblah Dec 15, 2017
Horrible customer service
I am here on 12/15/17 at the Kirksville Missouri Mcpearson branch, I walked in at about 3:15 and asked for Ashton. I spoke to her a few days ago about my account, she gave me false information so I called back the next day. A lady asked for my name and number and told me she would call back and I never received a call. When I got off of work I called the branch twice and no one answered so I drove up there. Two guys were standing at their stations not doing anything and one guy was helping cutomers. I dont understand why the phone was answered. I was told that Ashton was in the phone I would have to wait which was fine. Then she got off of the phone and sat in her office for about 10 minutes, I dont know if she forgot that she had people waiting on her or what so then she placed a call, got off the phone sat in there for another 5 minutes then came to get the next customer. I left and didnt get the help I needed but I felt that this branch is very unprofessional and when it comes to customer service they are seriously lacking.Thank you for your feedback Is this review helpful?
Reviewed By kendraanna Dec 12, 2017
I'm trying to 'make amends' and pay the money that I owe to US Bank. I went to my local branch and they were unable to help, just give me the 24 hr banking number (after I waited in line for over ten minutes while one teller helped a customer, one teller told me to wait and then proceeded to sit at her desk and do nothing, and another didn't address me until my phone rang and I had to walk away).
Later, I called the number and I was put on hold for ten minutes. She then transferred me and I was put on hold again for three minutes. A woman then told me to call someone else and without warning, rattled off a phone number. I asked her to hold on so I could get a pen and write it down. She told me it again in an annoyed tone. She then was overly cheerful at the end of the conversation. I've worked in customer service and I knew she was "killing me with kindness", which greatly irked me.
I then called that number and I was put on hold for a few minutes. Someone answered and said I was going to be put on hold again, which lasted another few minutes. When that person picked up again, I was transferred yet again, this time to the to the collection agency.
Again, I was put on hold for several minutes. This person then told me I CAN PAY IT AT MY LOCAL BRANCH. I am literally trying to pay money I owe and I had to jump through hoops to then be told I can pay it the way I had originally tried to do it.
ONLY counting phone time, this whole thing took about 45 minutes. This doesn't count the time I spent in the actual bank.Thank you for your feedback Is this review helpful?
Reviewed By amit Dec 11, 2017
Liars!!!! Don't get caught into credit card cash back
Rep over Ph told that I should be getting 5% cash back which I signed up for already. After 1 month again called and was told that I couldn't get because there is a cap on over all cash back. I decline 0% offer from furniture store and got full balance on card and now US bank making fool out of it. Stay away from this bank.,Thank you for your feedback Is this review helpful?