Personal Finance Banking
Written by Sophia Acevedo, CEPF; edited by Laura Grace Tarpley; reviewed by Evelyn He
2024-03-13T22:23:25Z
- Overall Rating
- Pros and Cons
- About U.S. Bank
- FAQs
- Personal Bank Accounts
- Business Checking and Money Market Accounts
- Personal Credit Cards
- Business Credit Cards
- Investing
- Personal Loans
- Mortgages
- How U.S. Bank Compares
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money.
The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Visa® Platinum Card, U.S. Bank Altitude® Reserve Visa Infinite® Card, U.S. Bank FlexPerks® Gold American Express® Card, U.S. Bank Altitude® Go Visa® Secured Card, U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.
Compare U.S. Bank personal bank accounts
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U.S. Bank Standard Savings Account
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U.S. Bank Smartly® Checking
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U.S. Bank Standard CD
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U.S. Bank Elite Money Market Account
Editor's rating
3.5/5
Annual Percentage Yield (APY)
0.01%
Minimum deposit
$25
Editor's rating
4/5
Annual Percentage Yield (APY)
See site for details
Minimum deposit
$25
Editor's rating
3.5/5
Annual Percentage Yield (APY)
0.05% to 0.25%
Minimum deposit
$500
Editor's rating
3.25/5
Annual Percentage Yield (APY)
0.01% to 4.50% (varies by location)
Minimum deposit
$100
On U.S. Bank's website
On U.S. Bank's website. Member FDIC.
Start saving
U.S. Bank, Member FDIC
Start saving
On U.S. Bank's website
U.S. Bank Review: Overall Rating
| Feature | Insider rating (out of 5) |
| Personal bank accounts | 3.25 to 4 |
| Business checking accounts | 3.5 to 3.75 |
| Personal credit cards | 4 to 4.7 |
| Business credit cards | 4.2 to 4.5 |
| Investing | 4.1 |
| Personal loans | 3.5 |
| Mortgages | 4 |
| Trustworthiness | 3.5 |
| Total | 3.75 |
U.S. Bank Pros and Cons
| Pros | Cons |
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About U.S. Bank
U.S. Bank has more than 2,200 branches across 26 states. Branch locations are available in:
- 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
- Wyoming
The bank offers 4,500 U.S. Bank ATMs throughout the United States. It's also part of the MoneyPass ATM Network, which provides access to over 37,000 ATMs.
U.S. Bank is FDIC insured. Up to $250,000 is protected in an individual account, and $500,000 is secure in a joint bank account.
U.S. Bank Digital Banking and Technology
U.S. Bank's digital banking and technology have mixed customer satisfaction ratings. According to two 2023 J.D. Power studies, U.S. Bank was ranked below the study average for both online banking and mobile banking.
However, it has strong mobile app ratings in the Google Play and Apple Store. It has 4.7 out of 5 stars with over 412,000 reviews in the Google Play store and 4.8 out of 5 stars based on 1.6 million ratings in the Apple store.
The U.S. mobile app lets you perform everyday transactions. You can send money through Zelle, deposit mobile checks, and transfer funds between bank accounts. You'll also be able to check your credit score for free.
U.S. Bank Customer Service and Support
U.S. Bank's website immediately directs you to an FAQ page that addresses the most common topics customers have questions about.
If you want to speak with a representative, you can call or schedule an appointment with a banker at a branch. Support for general banking is available 24/7. For customer support on specific services, like home loans or credit cards, the hours vary — representatives are typically available Monday through Friday during traditional banking hours, and limited hours on Saturdays.
U.S. Bank Fees, Rates and Account Management
Understanding the U.S. Bank Fee Structure
U.S. Bank charges monthly service fees on checking, savings, and money market accounts. You can waive monthly service fees on most accounts if you meet certain age requirements or fufill certain activities each month.
Most U.S. Bank accounts also have overdraft fees, out-of-network ATM fees, and dormant account fees you'll need to be mindful of.
U.S. Bank offers free overdraft protection. You can link a bank account, and there are no fees when money is transferred to cover an overdraft.
Something to keep in mind is that the best online banks have bank accounts with no monthly service fees or overdraft fees. You may prefer one of these banks if your goal is to avoid these fees entirely.
U.S. Bank Interest Rates on Savings Accounts and Loans
The U.S. Bank Standard Savings Account pays 0.01% APY.
The U.S. Bank Elite Money Market Account pays 0.01% to 4.50% (varies by location) APY — the interest rate may vary depending on where you live and how much money you maintain in your account. To earn the highest APY on the U.S. Bank Elite Money Market Account, you'll need to keep $25,000 or more in your account daily.
A U.S. Bank Personal Loan has a rate between 6.99% to 15.04% APR.
Is U.S. Bank Trustworthy?
U.S. Bank doesn't have a Better Business Bureau grade right now because the BBB is in the process of updating the bank's profile. The BBB rates businesses on how they handle customer issues and whether they have transparent business practices.
In 2022, U.S. Bank paid $37.5 million in a settlement with the Consumer Financial Protection Bureau. The CFPB accused the bank of obtaining customers' credit reports and opening checking accounts, savings accounts, credit cards, and lines of credit without their knowledge.
U.S. Bank FAQs
What are the main advantages of banking with U.S. Bank?
One of the main advantages of banking with U.S. Bank is that is has a large branch presence and 24/7 customer support availability. It also has a variety of bank accounts, credit cards, and lending options, so it could be worthwhile if you want to do all your banking with one financial institution.
Does US Bank have high fees for its accounts and services?
U.S. Bank fees are standard for a national brick-and-mortar bank. They also offer ways to waive monthly service fees or overdraft fees. If you're looking to avoid common bank fees entirely, though, there are online banks and credit unions that have lower fees.
How does U.S. Bank's mobile app compare to other banks?
According to a 2023 J.D. Power study, U.S. Bank was ranked below the study average for mobile banking. The study compared U.S. Bank to other national institutions like Bank of America, Capital One, and Chase.
U.S. Bank Personal Bank Accounts
U.S. Bank Standard Savings Account
U.S. Bank Standard Savings Account
On U.S. Bank's website
Insider’s Rating
3.5/5
Perks
Earn up to $200 for opening a new Standard Savings account and completing qualifying activities (offer expires June 27, 2024)
Fees
$4 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$25
Bonus
Earn up to $200 for opening a new Standard Savings account and completing qualifying activities (offer expires June 27, 2024)
$200
Pros
- $25 minimum opening deposit
- You may qualify to waive the monthly fee
Cons
- Low APY
- $4 monthly service fee
Insider’s Take
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
Product Details
- Earn up to $200 with a new Standard Savings account.
- -Make new money deposit(s) totaling $15,000 or more by July 17, 2024
- -Maintain that balance until October 31, 2024
- Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
- Over 2,200 branches in 26 US states
- Free access to around 4,500 ATMs
- Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
- Interest compounded daily, paid monthly
- FDIC insured
The U.S. Bank Standard Savings Account is the only U.S. Bank savings account offered and could be a decent option if you can waive the $4 monthly service fee.
See Business Insider's U.S. Bank Savings Account Review.
U.S. Bank Smartly® Checking
U.S. Bank Smartly® Checking
On U.S. Bank's website. Member FDIC.
Insider’s Rating
4/5
Perks
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
Fees
$6.95 monthly service fee
Annual Percentage Yield (APY)
See site for details
Minimum Opening Deposit
$25
Bonus
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
up to $500 (earn up to $700 total if you qualify for both Smartly Checking and Standard Savings account offers)
Pros
- Low minimum opening deposit
- Several ways to waive monthly service fee
- Large ATM network
- No fee overdraft protection transfers from a linked deposit account
- $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- May enroll in U.S. Bank Smart Rewards® if you meet certain requirements
Cons
- $6.95 monthly service fee
- $2.50 out-of-network ATM fee
- $36 overdraft fee
- $12.50 overdraft protection transfer fee for transfers over $50 made from a linked credit account
Insider’s Take
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
Product Details
- Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
- Earn up to $500 with a new Bank Smartly Checking account.
- Complete the following within 90 days of account opening:
- -Enroll in online banking or the U.S. Bank Mobile App
- -Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
- Earn up to $200 with a new Standard Savings account.
- -Make new money deposit(s) totaling $15,000 or more by July 17, 2024
- -Maintain that balance until October 31, 2024
- Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
U.S. Bank Safe Debit account
U.S. Bank Safe Debit account
Insider’s Rating
3.5/5
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$25
Pros
- Low minimum opening deposit
- No overdraft fees
Cons
- $4.95 monthly service fee
- $2.50 out-of-network ATM fee
- Can't overdraw from account
- Paper checks can't be processed
Product Details
- Access to over 2,200 branches in 26 states
- Part of the MoneyPass ATM network, which has over 37,000 ATMs
- No paper checks with the Safe Debit account
- Member FDIC
U.S. Bank has two checking accounts: the U.S. Bank Safe Debit account and U.S. Bank Smartly® Checking.
The U.S. Bank Smartly® Checking will likely be a stronger option if your goal is to open a checking account that lets you waive monthly service fees or want to earn a checking account bonus. But the U.S. Bank Safe Debit account could be worth considering if you want to avoid overdraft fees.
See Business Insider's U.S. Bank Personal Checking Accounts Review.
U.S. Bank Standard CD
U.S. Bank Standard CD
Start saving
U.S. Bank, Member FDIC
Insider’s Rating
3.5/5
Annual Percentage Yield (APY)
0.05% to 0.25%
Minimum Opening Deposit
$500
Pros
- $500 minimum opening deposit
- Variety of terms
Cons
- Online banks may pay a higher interest rate
- High-to-standard early withdrawal penalties
Insider’s Take
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
U.S. Bank review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Over 2,200 branches in 26 US states
- Free access to around 4,500 ATMs
- Terms range from 1 month to 5 years
- For terms 6 months or less, you have to pay an early withdrawal penalty of $25, plus all the interest that would have been earned on the withdrawn amount for the entire term OR 1% of the withdrawn amount
- For terms between 6 months and 1 year, you'll have to pay an early withdrawal penalty of $25, plus 50% of the interest that would have been earned on the withdrawn amount for the entire term OR 1% of the withdrawn amount
- For terms longer than 1 year, you'll have to pay an early withdrawal penalty of $25, plus 50% the interest that would have been earned on the withdrawn amount for the entire term OR 3% of the withdrawn amount
- Interest compounded daily, deposited monthly
- FDIC insured
U.S. Bank offers decent CDs, with terms ranging from one month to five years. U.S. Bank CD rates are highest on its CD Specials, which pay 4.20% to 5.05% (Varies by location) APY.
U.S. Bank Elite Money Market Account
U.S. Bank Elite Money Market Account
Start saving
On U.S. Bank's website
Insider’s Rating
3.25/5
Perks
4.50% APY for balances of $25,000 or more for new Elite Money Market account clients. Balances below $25,000 will receive the standard variable interest rate currently in effect at the time.
Fees
$10 monthly service fee
Annual Percentage Yield (APY)
0.01% to 4.50% (varies by location)
Minimum Opening Deposit
$100
Pros
- $100 minimum opening deposit
- Check writing included
Cons
- Low interest rate
- No debit card included
Insider’s Take
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
Product Details
- Over 2,200 branches in 26 US states
- Free access to around 4,500 ATMs
- To waive the $10 monthly maintenance fee, keep at least $10,000 in your account daily
- Interest compounded daily, deposited monthly
- Member FDIC
The U.S. Bank Elite Money Market Account might be a compelling account if you want a money market account with a low minimum opening deposit.
U.S. Bank Business Checking and Money Market Accounts
Compare U.S. Bank business accounts
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U.S. Bank Silver Business Checking Package
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U.S. Bank Gold Business Checking Package
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U.S. Bank Platinum Business Checking Package
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U.S. Bank Platinum Business Money Market Account
Editor's rating
3.75/5
Annual Percentage Yield (APY)
Minimum deposit
$100
Editor's rating
3.5/5
Annual Percentage Yield (APY)
None
Minimum deposit
$100
Editor's rating
3.5/5
Annual Percentage Yield (APY)
None
Minimum deposit
$100
Editor's rating
3.75/5
Annual Percentage Yield (APY)
0.05% to 4.60%
Receive a bonus interest rate of 4.50%, with a 4.60% APY from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities (Offer ends June 5, 2024).
Show more
Minimum deposit
$100
On U.S. Bank's website
On U.S. Bank's website
On U.S. Bank's website
U.S. Bank, Member FDIC
U.S. Bank Silver Business Checking Package
U.S. Bank Silver Business Checking Package
On U.S. Bank's website
Insider’s Rating
3.75/5
Perks
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$100
Bonus
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities
up to $800
Pros
- $100 minimum opening deposit
- No monthly service fees
- Overdraft protection available
- 125 free transactions per month
- May qualify for cash bonus
Cons
- $0.50 fee for each transaction that exceeds the 125 monthly limit
- $2.50 out-of-network ATM fee
Insider’s Take
U.S. Bank is a solid choice if you'd like to open a business checking account with a brick-and-mortar financial institution. But if you prioritize low monthly service fees and unlimited monthly transactions, you might prefer a free business checking account.
U.S. Bank Silver Business Checking Package review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC.
- Complete these steps to earn the offer:
- Earn your $350.
- - Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Earn your $800.
- - Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening."
U.S. Bank Gold Business Checking Package
U.S. Bank Gold Business Checking Package
On U.S. Bank's website
Insider’s Rating
3.5/5
Perks
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities
Fees
$20 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$100
Bonus
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities
up to $800
Pros
- $100 minimum opening deposit
- Possible to waive monthly service fee
- Overdraft protection available
- 100 free cash deposits per statement cycle
- 300 free transactions per month
- May qualify for cash bonus
Cons
- $20 monthly service fee
- $0.45 fee for each transaction that exceeds the 300 monthly limit
- $2.50 out-of-network ATM fee
Insider’s Take
U.S. Bank is a solid choice if you'd like to open a business checking account with a brick-and-mortar financial institution. But if you prioritize low monthly service fees and unlimited monthly transactions, you might prefer a free business checking account.
U.S. Bank Gold Business Checking Package review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC.
- Complete these steps to earn the offer:
- Earn your $350.
- - Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Earn your $800.
- - Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening."
U.S. Bank Platinum Business Checking Package
U.S. Bank Platinum Business Checking Package
On U.S. Bank's website
Insider’s Rating
3.5/5
Perks
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities
Fees
$30 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$100
Bonus
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities
up to $800
Pros
- $100 minimum opening deposit
- Possible to waive monthly service fee
- Overdraft protection available
- 500 free transactions per month
- May qualify for cash bonus
Cons
- $30 monthly service fee
- $0.40 fee for each transaction that exceeds the 500 monthly limit
- $2.50 out-of-network ATM fee
Insider’s Take
U.S. Bank is a solid choice if you'd like to open a business checking account with a brick-and-mortar financial institution. But if you prioritize low monthly service fees and unlimited monthly transactions, you might prefer a free business checking account.
U.S. Bank Platinum Business Checking Package review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC.
- Complete these steps to earn the offer:
- Earn your $350.
- - Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Earn your $800.
- - Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening."
U.S. Bank Platinum Business Money Market Account
U.S. Bank Platinum Business Money Market Account
U.S. Bank, Member FDIC
Insider’s Rating
3.75/5
Perks
Receive a bonus interest rate of 4.50%, with a 4.60% APY from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities (Offer ends June 5, 2024).
Fees
$15 monthly service fee
Annual Percentage Yield (APY)
Receive a bonus interest rate of 4.50%, with a 4.60% APY from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities (Offer ends June 5, 2024).
0.05% to 4.60%
Minimum Opening Deposit
$100
Pros
- Low minimum opening deposit
- Possible to waive monthly service fee
- ATM access
Cons
- Low interest rate if you don’t qualify for an introductory bonus rate
- $15 monthly service fee
Insider’s Take
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
Product Details
- Receive a bonus interest rate of 4.50%, with a 4.60% APY from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 5, 2024. Member FDIC.
- Complete these steps to earn the offer:
- - Open a new Platinum Business Money Market Account
- - Deposit $25,000 - $2,999,999.99 in new money deposits
- $15 monthly maintenance fee waived with a $10,000 minimum daily ledger balance
- Minimum opening deposit: $100
- FDIC Insurance up to $250,000
- Can be linked to your U.S. Bank business checking account for overdraft protection
- ATM Access
- Free U.S. Bank Internet Banking
- Accrue interest daily and pay interest monthly
- U.S. Bank Visa® Debit Card
U.S. Bank has three types of business checking accounts and three business money market accounts, including the U.S. Bank Platinum Business Money Market Account. The best business checking account option for you will likely depend on how many monthly transactions you need to make each month.
Also, bear in mind the U.S. Bank Silver Business Checking Package is the only option that has no monthly service fee. With the other business checking accounts, you'll need to meet certain requirements to waive the fee.
See Business Insider's U.S. Bank Business Checking Account review.
U.S. Bank Personal Credit Cards
U.S. Bank personal credit cards
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U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
-
U.S. Bank Altitude® Go Visa Signature® Card
-
U.S. Bank Cash+® Visa Signature® Card
-
U.S. Bank Altitude® Connect Visa Signature® Card
-
U.S. Bank Visa® Platinum Card
-
U.S. Bank Altitude® Reserve Visa Infinite® Card
-
U.S. Bank FlexPerks® Gold American Express® Card
-
U.S. Bank Altitude® Go Visa® Secured Card
-
U.S. Bank Cash+® Visa® Secured Card
Editor's rating
3.9/5
Annual fee
$0 intro for the first year, then $95
Editor's rating
4/5
Annual fee
$0
Editor's rating
4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Annual fee
$0
Intro Offer
$200 bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
Show more
Editor's rating
3.9/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Annual fee
$0 intro for the first year, then $95
Intro Offer
50,000 points
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening
Show more
Editor's rating
3.33/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Annual fee
$0
Intro Offer
N/A
Editor's rating
4.1/5
Annual fee
$400
Editor's rating
3.6/5
Annual fee
$85
Editor's rating
4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Annual fee
$0
Intro Offer
N/A
Editor's rating
4.3/5
Annual fee
$0
On Compliance Template (do not use)'s website
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Insider’s Rating
3.9/5
Perks
Earn 1.5-6% cash back on purchases
Annual Fee
$0 intro for the first year, then $95
Regular APR
18.74-28.74% Variable
Recommended Credit
Excellent/Good
Pros
- High cash-back earning at popular retailers like Amazon, Target, and Walmart
- Ability to customize rewards depending on your spending habits
- Generous welcome bonus offer
Cons
- Annual fee after the first year, foreign transaction fees
- 6% and 3% cash back categories are capped at $1,500 in spending per quarter
- No intro 0% APR offer
Insider’s Take
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.
U.S. Bank Shopper Cash Rewards review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
- $0 intro annual fee for the first year, then $95 a year
- Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
- 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
See Business Insider's U.S. Bank Shopper Cash Rewards Credit Card Review.
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
Insider’s Rating
4/5
Perks
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for the first 12 billing cycles
Regular APR
18.24% - 29.24% Variable
Recommended Credit
Good to Excellent
Pros
- Great earning rate on dining (4x points = 4% back)
- Good welcome bonus for a no-annual-fee card
- Annual streaming credit
Cons
- No airline or hotel transfer partners
- Few benefits compared to other rewards credit cards
Insider’s Take
Foodies and travelers can do quite well with this card due to its high earning rates on dining, gas, and other categories. It's a great pick if you prefer straightforward rewards and a generous welcome bonus, but as a no-annual-fee card, it doesn't come with a lot of flashy benefits.
U.S. Bank Altitude® Go Visa Signature® Card review External link Arrow An arrow icon, indicating this redirects the user."
See Business Insider's U.S. Bank Altitude Go Visa Signature Card Review.
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. Earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. Earn 1% cash back on all other eligible purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for the first 15 billing cycles
Regular APR
19.74% - 29.74% Variable
Intro Offer
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
$200 bonus
Recommended Credit
Good to Excellent
Pros
- Generous cash-back earning and welcome bonus for a no-annual-fee card
- Ability to choose the best 5% and 2% cash-back categories for you
- Introductory APR offer on purchases and balance transfers
Cons
- 5% cash-back category is capped at $2,000 in purchases per quarter
- Foreign transaction fees
Insider’s Take
The no-annual-fee U.S. Bank Cash+® Visa Signature® Card comes with a good welcome bonus and 5% back on up to $2,000 in combined spending in two eligible categories cardholders can choose each quarter. If these categories fit your spending habits, you can earn a significant amount of cash back with the card.
U.S. Bank Cash+ Visa Signature Card review External link Arrow An arrow icon, indicating this redirects the user."
See Business Insider's U.S. Bank Cash Plus Signature Card Review.
U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank Altitude® Connect Visa Signature® Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.9/5
Perks
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Regular APR
21.24% - 29.24% Variable
Intro Offer
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening
50,000 points
Recommended Credit
Excellent/Good
Pros
- Great earning rate on travel and at gas stations (4x points = 4% back)
- Bonus points on streaming services plus $30 yearly streaming credit can save you money
- Global Entry or TSA PreCheck application fee credit is worth up to $100
Cons
- Annual fee after the first year
- No airline or hotel transfer partners
Insider’s Take
The U.S. Bank Altitude® Connect Visa Signature® Card is a good choice if you're looking for a card that earns a substantial welcome bonus along with strong bonus categories for a moderate annual fee. It also offers excellent perks like Priority Pass airport lounge access, SmartDelay protection, cell phone protection, a Global Entry/TSA PreCheck application fee credit, and an annual streaming credit.
U.S. Bank Altitude Connect Visa Signature review External link Arrow An arrow icon, indicating this redirects the user."
See Insider's U.S. Bank Altitude Connect card review.
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.33/5
Perks
0% intro APR on purchases and balance transfers for 18 billing cycles, then 18.74% - 29.74% Variable APR
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 18 billing cycles
Regular APR
18.74% - 29.74% Variable
Intro Offer
N/A
Recommended Credit
Good to Excellent
Pros
- Long intro APR period for balance transfers and purchases
- Cell phone protection
Cons
- No rewards
- Balance transfer fee
Insider’s Take
The U.S. Bank Visa® Platinum Card doesn't earn rewards or come with a welcome bonus, but it's a solid pick if you're looking for a no-annual-fee card with an unusually long introductory APR on purchases and balance transfers.
U.S. Bank Visa Platinum Card review External link Arrow An arrow icon, indicating this redirects the user."
See Business Insider's U.S. Bank Visa Platinum Card Review.
U.S. Bank Altitude® Reserve Visa Infinite® Card
U.S. Bank Altitude® Reserve Visa Infinite® Card
Insider’s Rating
4.1/5
Perks
Earn 1-5x points on purchases
Annual Fee
$400
Intro APR
N/A
Regular APR
21.24% - 28.24% Variable
Recommended Credit
Excellent
Pros
- Substantial welcome bonus and great earning opportunities, especially with mobile wallets
- $325 annual travel and dining credit can offset most of the $400 annual fee
- Top-notch travel insurance and protections
Cons
- You must have an existing relationship with US Bank to be approved
- Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
- No airline or hotel transfer partners
Insider’s Take
The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card with benefits that have no trouble offsetting the annual fee. One of its most unique (and valuable) qualities is its ability to earn 3x points on all purchases made through a mobile wallet, so if you use payment methods like Apple Pay or Samsung Pay, you'll have no problem accruing points in a hurry.
U.S. Bank Altitude Reserve Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer.
- Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
- Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards
- Earn 3X points for every $1 on eligible travel purchases and mobile wallet
- Earn 1X point per $1 spent on all other eligible net purchases
- Use your mobile device to instantly redeem points for almost any purchase
See Business Insider's U.S. Bank Altitude Reserve Visa Infinite Card Review.
U.S. Bank FlexPerks® Gold American Express® Card
U.S. Bank FlexPerks® Gold American Express® Card
Insider’s Rating
3.6/5
Annual Fee
$85
Regular APR
18.74% - 28.74% variable
Recommended Credit
Excellent
Pros
- Points worth 1.5 cents each toward travel
- Statement credit for Global Entry/TSA PreCheck
- Free Boingo Wi-Fi
Cons
- $85 annual fee
- Points don't transfer to airlines and hotels
- Lackluster travel insurances
Product Details
- The information related to the U.S. Bank FlexPerks® Gold American Express® Card has been collected by Business Insider and has not been reviewed by the issuer.
- Annual fee of $85 and no foreign transaction fees(see full terms and conditions).
- Earn 5X on prepaid hotels and car rentals
- Earn 3X on dining, takeout and restaurant delivery
- Earn 2X at airlines, gas stations and EV charging stations
- 1X on all other purchases
- Automatic statement credit reimbursem*nt on the TSA PreCheck® or Global Entry® application fee
See Business Insider's U.S. Bank FlexPerks Gold American Express Card Review.
U.S. Bank Altitude® Go Visa® Secured Card
U.S. Bank Altitude® Go Visa® Secured Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks Earn 4X points on dining, takeout and restaurant delivery. Earn 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations. Earn 1X point on all other eligible purchases.
Earn unlimited 1-4 points per dollar on purchases.
Annual Fee
$0
Regular APR
29.24% Variable
Intro Offer
N/A
Recommended Credit
New/Rebuilding
Pros
- Great earning rates on dining, gas, streaming, and groceries
- Build credit with responsible use over time and you may be able to automatically graduate to a non-secured card
- Annual streaming credit
Cons
- Requires a security deposit ($300 minimum)
- No welcome bonus
Insider’s Take
The $0-annual-fee U.S. Bank Altitude® Go Visa® Secured Card is an above-average secured credit card, with high earning rates in extremely common spending categories and a $15 annual statement credit to reimburse streaming purchases.
U.S. Bank Altitude Go Visa Secured Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the U.S. Bank Altitude® Go Visa® Secured Card has been collected by Business Insider and has not been reviewed by the issuer.
- Earn 4X points on dining, takeout and restaurant delivery
- Earn 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
- Earn 1X point on all other eligible purchases
- Earn $15 streaming credit for annual streaming service purchases like Netflix and Spotify®
U.S. Bank Cash+® Visa® Secured Card
U.S. Bank Cash+® Visa® Secured Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.88/5
Perks Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. Earn 2% cash back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants). Earn 1% cash back on all other eligible purchases.
Earn 1-5% cash back on purchases.
Annual Fee
$0
Regular APR
29.24% Variable
Intro Offer
N/A
Recommended Credit
New/Rebuilding
Pros
- Great cash-back earning rates with the ability to choose your own 5% categories
- Build credit with responsible use over time and you may be able to automatically graduate to a non-secured card
- No annual fee
Cons
- Requires a security deposit ($300 minimum)
- 5% cash back categories capped at $2,000 in combined spending per quarter
- No welcome bonus
Insider’s Take
The U.S. Bank Cash+® Visa® Secured Card can help you improve your credit score while earning up to 5% cash back on expenses like fast food and cell phone bills.
U.S. Bank Cash+ Visa Secured Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the U.S. Bank Cash+® Visa® Secured Card has been collected by Business Insider and has not been reviewed by the issuer.
- Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose
- Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
- Earn 2% cash back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants)
- Earn 1% cash back on all other eligible purchases
- Option to choose your payment due date
- Select to set up Autopay
- $0 annual fee
U.S. Bank has a variety of credit cards, including secured credit cards, rewards credit cards, and travel credit cards. In addition to the credit cards listed, U.S. Bank has a Secured Visa Card.
U.S. Bank Business Credit Cards
U.S. Bank business credit cards
-
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
-
U.S. Bank Business Leverage® Visa Signature® Card
-
U.S. Bank Business Platinum Card
Editor's rating
4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Annual fee
$0
Intro Offer
$500 cash back
$500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account
Show more
Editor's rating
3.9/5
Annual fee
$0 intro for 12 months, then $95
Editor's rating
3.33/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Annual fee
$0
Intro Offer
N/A
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases.
Earn 1-5% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 billing cycles
Regular APR
19.24% - 28.24% Variable
Intro Offer
$500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account
$500 cash back
Recommended Credit
Excellent/Good
Pros
- Strong welcome bonus and bonus categories for a no-annual-fee card
- Introductory 0% APR on both purchases and balance transfers for 15 billing cycles
- World Elite Mastercard benefits including cell phone protection
Cons
- Foreign transaction fees
- Relatively high minimum spending requirement to unlock bonus
- Authorized user purchases don’t count toward minimum spending requirement
Insider’s Take
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no-annual-fee card for small business owners with a generous welcome bonus and great bonus categories. It's a good pick if you prefer earning straight cash back, especially if you can use the $100 annual software credit.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard review External link Arrow An arrow icon, indicating this redirects the user."
U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Leverage® Visa Signature® Card
Insider’s Rating
3.9/5
Annual Fee
$0 intro for 12 months, then $95
Regular APR
21.24% - 26.24% Variable
Recommended Credit
Good to Excellent
Pros
- Large sign-up bonus
- Simple points earning/redeeming structure
- 5% back on prepaid hotels and rental cars booked through Travel Rewards Center
Cons
- Relatively few ongoing benefits
- Modest return rates
- $95 annual fee
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.33/5
Perks
0% intro APR on purchases and balance transfers for 18 billing cycles, then 16.24% - 25.24% Variable APR.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for the first 18 billing cycles
Regular APR
16.24% - 25.24% Variable
Intro Offer
N/A
Recommended Credit
Good to Excellent
Pros
- Extra-long 0% introductory APR on purchases and balance transfers
- No annual fee
Cons
- No rewards or welcome bonus
- Few benefits compared to other small-business cards
- Foreign transaction fees
Insider’s Take
While it doesn't earn rewards or come with a welcome bonus, the U.S. Bank Business Platinum Card might be just what your business needs if you don't want to get hit with big interest charges on large purchases you can't pay off all at once.
Product Details
- -
U.S. Bank has three business credit cards. The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® and U.S. Bank Business Platinum Card do not charge any annual fees.
See Business Insider's U.S. Bank Business Triple Cash Rewards Card Review.
Automated Investor from U.S. Bancorp Investments
Automated Investor from U.S. Bancorp Investments
Insider’s Rating
4.11/5
Perks
Offers tax-loss harvesting to maximize returns
Account Minimum
$1,000
Fees
Annual advisory fee is 0.24% of invested assets
Pros
- Tax-loss harvesting to maximize return
- Automatic portfolio rebalancing
- Human advisor access
Cons
- High $1,000 minimum to get started
- Only available to existing U.S. Bank or U.S. Bancorp Investments customers
Insider’s Take
Automated Investor from U.S. Bancorp Investments is a strong robo-advisor for personalized ETF portfolios. It's best for passive investors who are existing U.S. Bank or U.S. Bancorp Investments customers. But the minimum investment is significantly higher than most other automated investing platforms.
Automated Investor from U.S. Bancorp Investments is specifically for existing U.S. Bank or U.S. Bancorp Investments customers. This could be a worthwhile option if you have a minimum of $1,000 to invest. In comparison, many of the best robo-advisors have lower minimum opening requirements.
U.S. Bank Personal Loans
U.S. Bank Personal Loan
Check rates
Compare loan options and get your rates today.
Insider’s Rating
3.5/5
Regular APR
8.74% to 24.99%
Loan Amount Range
$1,000 to $50,000 for US Bank customers, up to $25,000 for non-customers
Minimum Credit Score
660
Pros
- Competitive APRs
- Low minimum loan amount
- No origination fee or prepayment penalty
- Fast funding
- Autopay discount
- Joint application allowed
Cons
- Late fee
- Not available in some states
- Worse terms for borrowers who aren't customers of US Bank
- No loan preapproval
U.S. Bank personal loan review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Get your money within a few hours if you're a US Bank customer
- 0.50% discount when you autopay from a US Bank account
- Available in Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
- Loan terms range from 12 to 84 months (maximum 60 months for non-customers)
You might find a U.S. Bank Personal Loan worthwhile if you have a U.S. Bank personal checking account. Checking account customers with credit approval can borrow up to $50,000, while people who aren't U.S. Bank checking account customers can only borrow up to $25,000.
See Business Insider's U.S. Bank Personal loans Review.
U.S. Bank Mortgages
U.S. Bank Mortgage
On Bankrate's website
Insider’s Rating
4.25/5
Recommended Credit
620
Minimum Down Payment
3%
Types of Loans Offered
Conforming, jumbo, FHA, VA, USDA, construction, investment property, American Dream program, Access Home Loan, HELOC, home equity loan
Pros
- Receive a VA mortgage with a credit score as low as 600
- Available in all 50 US states
- Receive up to $1,000 toward refinance closing costs if your initial mortgage is with US Bank
Cons
- Only has branches with local loan officers in 42 states
- Need to get prequalified to see personalized rates
Insider’s Take
U.S. Bank is one of the best mortgage lenders for first-time buyers. It offers more types of mortgages than most lenders, so it's a good option for many borrowers. Its VA mortgages are particularly strong.
U.S. Bank Mortgage review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Offers home loans in all 50 US states and Washington, DC
- Has branches in 26 US states
- Minimum credit score and down payment displayed are for conforming mortgages
U.S. Bank has a variety of home loans, including conforming loans, jumbo loans, FHA loans, VA loans, construction loans, HELOC, and home equity loans. It doesn't have USDA loans, though.
If you're paying off student loans, the American Dream Mortgage might be worth exploring. U.S. Bank says it will work with you if you're on an income-driven repayment plan.
See Business Insider's U.S. Bank Mortgage Review.
How U.S. Bank Compares
U.S. Bank vs. Bank of America
Bank of America has 4,200 branches in 37 states while U.S. Bank has over 2,200 branches in 26 states. Bank of America could be a better option if you prefer a large branch network.
You might prefer U.S. Bank if you're looking for more options for home loans. Bank of America doesn't have a USDA loan, reverse mortgage, home equity loan, or construction loan.
Bank of America Review
U.S. Bank vs. Chase
You might lean more toward Chase if you find it appealing to open specialty bank accounts for college students, kids, or teens. Accounts for minors also come with unique features like savings tools or parental monitoring features.
Chase will also be a more compelling choice if you prioritize a large branch network. It has over 4,800 branches, while U.S. Bank has over 2,200 branches. Several Chase checking accounts also have bank account bonuses, too.
Chase Bank Review
Is U.S. Bank Right For You?
U.S. Bank is a good option if you value traditional banking experience with a national branch and ATM network.
Most notably, U.S. Bank is one of the best mortgage lenders for first-time buyers. It offers a variety of lending options. It also has the American Dream Loan is a strong option for student loan borrowers looking to buy their first home.
The bank also has a variety of credit card and loan options, so it may be worthwhile if you're goal is to establish relationship banking with one financial institution.
Its bank accounts may be appealing if you want options with low minimum opening deposits, but they won't be the best fit if you don't want to deal with bank fees. There are banks and credit unions that don't charge any monthly service fees or overdraft fees which will likely be more appropriate.
Why You Should Trust Us: How We Reviewed U.S. Bank
At Personal Finance Insider, we rate bank products and services using our editorial standards. We use a scale from zero to five stars and review specific features for each product.
For bank accounts, we use a bank account methodology. We review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.
We also have methodologies for credit cards, investment platforms, personal loans, and mortgages. These products also have different rating categories and features we'll assess. For example, we'll review welcome bonuses and rewards rates specifically for credit cards.
Banking Editor
Sophia Acevedo is a banking editor at Business Insider. She edits and writes bank reviews, banking guides, and banking and savings articles for the Personal Finance Insider team. She is also a Certified Educator in Personal Finance (CEPF).Sophia joined Business Insider in July 2021. Sophia is an alumna of California State University Fullerton, where she studied journalism and minored in political science. She is based in Southern California.You can reach out to her on Twitter at @sophieacvdo or email sacevedo@businessinsider.com.Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>Below are links to some of her most popular stories:
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Compliance and Operations Associate
Evelyn He is a compliance and operations associate at Business Insider who supports the Personal Finance Insider team. Personal Finance Insider is Business Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Business Insider readers already know and love.The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.Before joining Business Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.Outside of work, she enjoys spending time with her 15-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.
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