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U.S. Bank Review

Over a century and a half of banking experience

Patrick Sather
Jan. 10, 2024
3 min read
Patrick Sather
U.S. Bank Smartly® Checking & Standard Savings Summary
US Bank offers 5 checking accounts to choose from along with savings accounts, investment accounts, home loans, and credit cards. It's easy to manage your spending and transfer funds with the US Bank mobile app, and customer support is available 24/7.


  • 24/7 customer support
  • No US Bank ATM fees
  • Easy to track spending, transfer funds, and make deposits


  • Minimum balance requirements to avoid maintenance fees
  • Low interest rates

U.S. Bank Smartly® Checking & Standard Savings at a glance

Editorial score


Most products are fee free


FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

Customer service

24/7 service with multiple communication options, dedicated fraud team

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

Cutting-Edge Banking Services 

By downloading US Bank’s mobile app, you can use smart insights to track your spending habits and set savings goals. US Bank makes it simple to transfer funds to friends and family through the mobile app thanks to its partnership with Zelle. Best of all, US Bank offers 24/7 customer support and allows you to schedule virtual, phone, or in-person appointments through its website.

U.S. Bank has recently rolled out it's Overdraft Fee Forgiven program, which gives customers the ability to waive overdraft fees if they meet specific conditions once their account goes into overdraft. All U.S. Bank consumer checking accounts qualify for this new program, excluding the Safe Debit Account. 

Traditional Banking Services

US Bank offers traditional banking services including home loans, investment accounts, savings accounts, and checking accounts. Additionally, US Bank features 9 different credit cards, including rewards cards and secure cards. It maintains 2,900 physical locations across 25 states and 4,700 ATMs nationwide. 

Interest Rates and Fees

With US Bank, you can choose between 5 different checking accounts. Each one requires a minimum opening deposit of $25 and offers a unique set of terms and conditions. While some accounts charge monthly maintenance fees, most accounts provide a fee waiver, and some do not charge a fee at all. US Bank does not charge ATM fees for withdrawals taken from US Bank ATMs but may charge a fee for withdrawals from non-US Bank ATMs depending on the account or the number of withdrawals per statement period. 

Monthly Maintenance Fee
Requirement to Waive Maintenance Fee
Non-US Bank ATM Fee
Interest Rate
Easy Checking
$6.95 or $0
  • Monthly direct deposits totally $1,000, OR
  • Average account balance of $1,500, OR
  • Age 65 or older

Gold Checking
$14.95 or $0
  • An open US Bank personal loan, line, mortgage, or credit card
$2.50 (first 2 withdrawals free per statement period)N/A
Platinum Checking
$24.95 or $0
  • $25,000 in combined personal deposits, credit balances, or investments, OR
  • Personal trust relationship with US Bank Wealth Management

Student Checking
$0N/A$2.50 (first 4 withdrawals free per statement period)N/A
Safe Debit Checking
  • Fee cannot be waived 

Customer Service and Online Experience

Navigating US Bank’s website is simple. All of the information is intuitively laid out, and the site features Support and FAQs links where you can get answers to most general questions. If you need immediate assistance, customer service is available by phone 24/7 at 800-872-2657. Alternatively, you can book a future virtual, phone, or in-person appointment online in just a few minutes. 

Mobile App  

US Bank’s mobile app is available for Android and iPhone devices through the Apple Store or Google Play. With US Bank’s mobile app, you can keep track of your spending habits and set savings goals. It’s easy to set travel notifications on your cards when you’re going out of town to avoid spending delays. For people who need to send money on the go, US Bank offers mobile check deposits and speedy money transfers with Zelle. 


All of US Bank’s checking accounts are FDIC-insured and protected with SSL encryption. Its mobile app offers numerous security features including facial and fingerprint recognition, 1-time passcodes, and visual pattern locks. For added protection, you can sign up for security alerts that send you a text whenever your account information changes. If you believe you have been the victim of fraud, US Bank’s Fraud Liaison team is available 24/7 at 877-595-6256 to answer your questions and help you secure your account. 


US Bank provides numerous banking services and products including checking, savings, and investment accounts, home loans, and credit cards. While most of US Bank's checking accounts charge maintenance fees, many offer you a chance to waive the fee if you meet eligibility requirements. Its mobile app makes it easy for you to track your spending, set savings goals, and transfer or deposit funds. Additionally, it offers 24/7 customer support and a simple yet effective online banking experience.


This review was created based upon information available on US Bank’s website and customer and 3rd-party reviews.

Patrick Sather
Written by
Patrick Sather
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.
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