Featured Savings Rates
Featured Accounts

US Bank (OH)

Popular Accounts at this Bank

1.50%5-year CD59 Month CD Special
0.75%3-year CD37 Month CD Special
0.50%18-month CD19 Month CD Special

Overview / Commentary
425 Walnut Street
Cincinnati, OH 45202

US Bank (OH) is headquartered in Cincinnati and is the 2nd largest bank in the state of Ohio. It is also the 5th largest bank in the nation. It was established in 1863 and as of June of 2016, it had grown to 66,354 employees at 3,222 locations. US Bank (OH) has an A health rating.

Related Posts

It's Time For US Bank's $150 "Summer Bank Bonus 2016" - 6/30/2016

US Bank has a $150 Summer Bank Bonus 2016 new checking bonus available now through August 12, 2016. Available nationwide online or at any US Bank branch.

View all posts from:

12/6/12 - U.S. Bank To Launch Photo Bill Payment In 2013
10/1/12 - $200 US Bank Checking Account Bonus - YMMV
8/16/12 - $150 US Bank Checking Account Bonus - YMMV
3/8/12 - Harsh Early Withdrawal Penalties at Some Banks & Credit Unions
1/17/12 - What to Do with Maturing CDs? Choosing Long-Term CDs with the Highest Rates
11/16/11 - Inflation Dangerous Banks - Those That Could Refuse CD Early Withdrawals
11/14/11 - U.S. Bank's New Mobile Banking Fees
10/31/11 - Competitive 59-Month CD Rate at US Bank - Available Nationwide
1/20/12 - CD Increase
9/7/11 - Higher ATM Fees & Paper Statement Fees at PNC, US Bank & Citizens Bank
8/24/11 - Real-Time Alerts Now Available For U.S. Bank ATM And Check Card Customers
6/24/11 - Making Popmoney Payments Is A Snap At US Bank
6/2/11 - US Bank Hits IRA Customers with Higher Fees
3/22/11 - New US Bank Checking Fees
3/22/11 - Special 19-Month CD Rate at US Bank in Southern California
3/4/11 - U.S. Bank S.T.A.R.T Savings Plan
2/24/11 - US Bank Will Launch Its Online Check Deposit Service, DepositPoint, In March
1/24/11 - US Bank CEO Hints That They May End Free Checking
12/28/10 - Competitive Long-Term CD Rates at US Bank
12/28/10 - Remote Deposit Now Available At US Bank For Existing Customers
10/28/10 - US Bank's $15 Bonus For Using Its Online Bill Pay
10/24/10 - 2.50% 5-Year CD At US Bank
9/23/10 - Score $75 For FREE From U.S. Bank!
8/2/10 - $150 Checking Account Bonus At US Bank - YMMV
1/31/11 - US Bank is Adding Remote Deposit Capability - DepositPoint
5/21/10 - Competitive Special CD Rates at US Bank - Available Nationwide
9/16/09 - US Bank's New Savings START Program and Review of Other Savings Programs
8/13/09 - 2.25% 12-Month CD at Bank USA in Arizona - Local Only
7/24/09 - 4.00% 59-Month CD at US Bank Branches in California
4/22/09 - Short-Term CD Rates Up to 2.70% at FBOP Corp Banks in CA, AZ, IL, TX
4/12/09 - 4.00% 59-Month CD at US Bank Branches in CA, MO & Maybe Other States
4/6/09 - Up to $160 Checking Account Bonus at FBOP Banks in CA, TX, AZ & IL
3/13/09 - 4.25% 59-Month CD at US Bank Continues in CA - Benefit of Opening CD at Downey Savings Branches
2/23/09 - 4.25% 59-Month CD & 2.50% 10-Month CD at US Bank in California
2/16/09 - 4.00% 59-Month CD at US Bank
10/21/08 - Major Regional Banks: Their Latest Losses and CD Deals
10/19/08 - Another $75 Checking Account/Debit Card Bonus at US Bank
9/17/08 - $75 Checking Account/Debit Card Bonus at US Bank
8/27/08 - Up to $150 Checking Bonus at Cal National Bank in Southern California
7/29/08 - $100 Checking Account Bonus at US Bank in Milwaukee, St. Louis and Cincinnati
6/23/08 - CD Deal Reminders - 5% 100-Day at The Golden 1, 5.25% 5-Year at US Bank
6/27/08 - 5.00% 59-Month / 4.75% 45-Month CD at US Bank
4/24/08 - 4.50% 59-Month CD at US Bank
3/3/08 - $75 Checking Account Bonus at an Illinois Branch of US Bank
9/7/07 - $75 Checking Account Bonus at US Bank in Washington State
1/24/07 - 5.35% 11-Month CD at a Chicago Bank (Park National)
3/13/06 - 5.00% 6-Month CD at a California Bank

I Think US Bank Is Great

Posted by: jimboy | May 30, 2012


I'm a 65 year old male who spent 40 years working in commercial banks.  I retired 3 years ago but prior to retiring I spent alot of time researching local banks for the best checking account plans at the lowest cost.  I found US Bank to be the best for my needs (close to home, numerous ATM's nationwide, and very few charges with a direct deposit).   I've found their staff to be friendly and knowledgeable. US Bank has very low rates when it comes to savings and CD's but that's common with most local banks and credit unions these days.  If you want the better rates go with Ally or American Express.


Jim B

Pueblo, Co

New Member

My partner and I just recently started an account with US Bank. We found them to be the best option as they are conveniently located in several areas close to our neighborhood. I was most excited to check out their website and get my online account set up. A friend had recommended using the phone app as she could easily check her balance at the push of a button. I was having trouble setting up my online account the other day when going to review it. I called customer service and was talking to a rep on the phone within 2 minutes! I was very impressed with their customer service and was able to resolve my issue within 5 minutes. Thank you for everything you have done for us US Bank.

Customer Service

Posted by: Droeder | Oct 27, 2012

Here is what happened:

I went to Europe over the summer. My card was also locked two weeks before I returned home after making an online purchase from SLP Performance. (I wanted the parts to be shipped to my house and waiting when I got there). After getting back I called and had it unlocked. No problems, they verified who I was and unlocked it. Two days later My card is locked again.

Going online to "Online Banking" I verify that there is in fact money in the account. While I was online checking this I noticed that I was receiving "Maintenance Fees".

While I was away I stopped receiving direct deposit from work into my checking account. (No work, no pay) For a Gold Package Account you need to receive $100 electronic deposit every month to waive service fees. (I had a "Gold Package")

I called Customer Service and got the Fees Waived and the card unlocked. While on the phone the customer service representative told me I should switch to a student account to avoid fees in the future. I told her I was O.K. with the account I had. She went on to explain what a benefit a Student Account would be to a student.

After several minutes of her persuasion and reassurances that there would be no more fees or hassle from making the switch I agreed. Yippy, I now have a student checking account. I can use any ATM anywhere at any time free of charge.

From the time the account was changed I have been receiving "Maintenance Fees" to my savings account. I know I should watch this more closely but I usually just use my checking account and keep tabs on it.

After all of the hassle I have had and the number of calls I have had to make and the time spent on the phone with representatives I decided I would like to try another more locally owned bank.

When the phone finally stopped playing elevator music and I was connected to a real live person I was told the fees could not be reversed and there was nothing he could do about the money. He said he had spoken to his manager and there was nothing he could do about it.

I asked if I could speak directly to his manager. Susan (Milwaukee Area Customer Service) answered the phone and asked what she could do for me. She verified who I was and her understanding of the situation. Her reply to my request was that because I was closing the account they had no incentive to refund the money. If I would be so kind as the keep the account and simply transfer back to the "Gold Package" she would be happy to refund the money.

I explained that the whole reason I had the "Student Checking Account" was because another customer service representative told me that this account would be best for me and that there would be no more service fees.

Even after my explanation that I was told to make this account change by a representative to avoid future fees. Susan said there was no incentive to reverse the fees. I said to her. "You are telling me you can not return my money because there is no incentive to correct your mistake?" She said yes, you are closing your account there is no incentive to refund the money. (Not exact words, I did not record the conversation and am writing this from memory)

I have had an account in good standing with U.S. Bank for over five years and am told there is no incentive to return money to my account that was withdrawn in error. I also feel that this error is on their end of the table. The reason I feel the error is theirs and not my own is because the change to my account was made on advise and reassurances from a U.S. Bank customer service representative. (I also explained this to Susan)

The only way to get the money put back in the account (Money Wrongfully charged to me) was to keep the account and have it transferred back to a "Gold Package Account". The very same account I was advised to change into a student account by a different representative.

NOW, the reason I am posting this is because I feel after several years of schooling for Business Management I have a small grasp of "customer service" and the "INCENTIVE" to keep customers satisfied. I was not really upset with the company or anyone in it, I only wanted to avoid further hassle while in school and working.

Now, after a very dissatisfying hour on the phone with the U.S. Bank Customer Service Representative, Susan. I feel I should share my experience with other U.S. Bank account holders, current and future to inform them of this situation.

I am very dissatisfied and would like to perhaps save others the same headache I have had. For those of you that have taken the time to read this entire re-telling, I thank you and ask that you please share this story with others.

Thank You,

US Bank Fees Increase 300% For Small Retirement Accounts

Per the letter recieved dated 5/10/2011:

"A US Bank IRA continues to be a great way for you to save for your retirement. The annual fee for your IRA plan is increasing from $10 to $30. The balance requirement to waive this fee is also increasing from $5,000 to $25,000 for IRA plans and from $1,000 to $5,000 for Coverdell Education Savings accounts (CESA). In the past, your fee may have been waived automatically if you were over age 70 1/2 and receiving automatic distributions from your IRA plan. This automatic waiver will no longer be applied."

With the low interest rates being offered some folks may actually be losing principle to these fees now. This is a very unethical action of this large bank and will affect many account holders. It shows how a bank can take advantage of loopholes to literally take small investors funds who trusted that their IRA CD was securely invested to grow at a advertised interest rate.

Either this bank has become greedy and is willing to sacrifice ethics to its small account customers, or it has some major financial problems that it is desperately trying to remedy.

Here are some actions that all of us can do to try and stop this and similar actions of these institutions:

- Spread the word to other savers through social media, word of mouth, AARP or other media.

- Sell the stock of unethical institutions like this.

- Withdraw any accounts that you can afford to do so (withdrawl penalties may be assessed).

- Contact your congressman to show this as an example of why tighter bank regulation is needed.




Health Grade Components

FDIC Certificate #6548
Year Established1863
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD12.81%
Annual Interest Income$6.37B
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$433.5B$414B
LoansQ2 2016vs Q2 2015$268.1B$252B
DepositsQ2 2016vs Q2 2015$327.8B$307.8B
Equity CapitalQ2 2016vs Q2 2015$44.33B$40.79B
Loan Loss AllowanceQ2 2016vs Q2 2015$3.81B$4.01B
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.08B$1.99B
Real Estate OwnedQ2 2016vs Q2 2015$228.8MM$286.9MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

US Bank (OH) Savings Account Rates

0.12%*$50k*-Business Savings Sweep
OTHER TIERS: 0.08% Up to $10k | 0.10% $10k - $50k
0.01%--Standard Savings
0.01%--Goal Savings
0.01%--Star Savers Club
0.01%--Basic Business Savings

US Bank (OH) Money Market Rates

0.60%*$5k*-Retirement Money Market Savings - Bonus Rate
OTHER TIERS: 0.55% Up to $5k
0.15%*$100k*$1mPlatinum Business Money Market - Bonus Rate
OTHER TIERS: 0.05% $1mm+ | 0.10% Up to $5k | 0.13% $5k - $100k
0.10%*$50k*-Platinum Select Money Market Savings
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $50k
0.10%*$5k*-Retirement Money Market Savings
OTHER TIERS: 0.05% Up to $5k
0.10%*$50k*-Package Money Money Market Saving
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $50k
0.10%*$100k*$1mPlatinum Business Money Market
OTHER TIERS: 0.05% Any amount | 0.08% $5k - $100k
0.10%*$500k*$1mPremium Business Money Market
OTHER TIERS: 0.05% Any amount | 0.08% $20k - $500k
0.10%*$100k*$1mPreferred Business Money Market
OTHER TIERS: 0.01% Up to $20k | 0.05% $1mm+ | 0.08% $20k - $100k
0.08%*$50k*-Elite Money Market
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $50k
0.05%*$10k*-Standard Money Market
OTHER TIERS: 0.04% Up to $10k

US Bank (OH) Checking Account Rates

0.05%--Non-Profit Checking
0.02%*$50k*-Premium Checking
OTHER TIERS: 0.01% Up to $50k
0.02%*$10k*-Platinum Checking
OTHER TIERS: 0.01% Up to $10k
0.01%--Premium Business Checking with Interest
0.01%$20k-Gold Business Checking Package with Interest

US Bank (OH) CD Rates

1.50%$1k$250k59 Month CD Special
1.50%$1k$250kBusiness 59 Month CD Special
0.80%$1k$250k60 Month Trade-Up CD
0.80%$1k$250kBusiness 60 Month Trade-Up CD
0.75%$1k$250k37 Month CD Special
0.75%$500$250k60 Month CD
0.75%$1k$250kBusiness 37 Month CD Special
0.75%$500$250kBusiness 60 Month CD
0.50%$500$250k48 Month CD
0.50%$1k$250k19 Month CD Special
0.50%$1k$250kBusiness 19 Month CD Special
0.50%$500$250kBusiness 48 Month CD
0.40%$1k$250k30 Month Trade-Up CD
0.40%$1k$250k28 Month Step Up CD
0.40%$1k$250kBusiness 28 Month Step Up CD
0.40%$1k$250kBusiness 30 Month Trade-Up CD
0.35%$500$250k36 Month CD
0.35%$500$250kBusiness 36 Month CD
0.20%$500$250k24 Month CD
0.20%$500$250kBusiness 24 Month CD
0.15%$500$250k18 Month CD
0.15%$500$250kBusiness 18 Month CD
0.10%$500$250k12 Month CD
0.10%$500$250kBusiness 12 Month CD
0.05%$500$250k1 Month CD
0.05%$500$250k2 Month CD
0.05%$500$250k3 Month CD
0.05%$500$250k6 Month CD
0.05%$500$250k9 Month CD
0.05%$500$250kBusiness 1 Month CD
0.05%$500$250kBusiness 2 Month CD
0.05%$500$250kBusiness 3 Month CD
0.05%$500$250kBusiness 6 Month CD
0.05%$500$250kBusiness 9 Month CD

US Bank (OH) has 3,211 locations. Click to view all US Bank (OH) locations.