As one of the largest banks in the United States, US Bank draws upon over 150 years of banking experience to offer its personal, business, commercial, and government banking customers a full suite of financial products and services. The bank offers its customers quick and secure access to funds through online and mobile banking options. US Bank’s depository banking products – for both its individual and corporate customers – include savings accounts, money market accounts, checking accounts, and Certificates of Deposits (CDs).
The bank’s personal savings accounts, money market accounts, and checking accounts can be easily linked together in various relationship banking packages, with attendant banking perks in each scenario. US Bank’s personal money market accounts yield better interest rates for larger account balances, and there is a tax-advantaged Individual Retirement Account (IRA) option available as a money market account. Personal CDs are also available, with terms ranging from 1 month to 60 months.
US Bank’s business checking accounts vary based upon account balance and monthly transaction volume. These business checking accounts can be combined with other business banking products and services in a variety of relationship banking packages – again, with attendant perks for each scenario. The bank offers a business “sweep” savings account that automatically transfers excess account balances from a business checking account into a business savings account with higher interest rates. Just like the personal money market accounts, business money market accounts yield tiered interest rates, depending upon account balance. US Bank’s business CD terms go from 14 days to 5 years.
In 1863, US Bank was established as the First National Bank of Cincinnati. Today, US Bank is owned by bank holding company US Bancorp. The headquarters for both the bank and its parent company are in Minneapolis, Minnesota.
I've been with Citi, BOA and Chase and they're all trash. This really is the only good big bank, at least from my experience.
Been with US Bank for about 6 years, everyone appears really nice when I walk in and friendly. My paycheck is direct deposited so I get the monthly fee of $15 funded back to me. Over the years their pending deposits hold for days which isn't good and you have to be careful. The mobile app is pretty good. 1 thing I recently noticed is I sold my house and made roughly $200k profit, paid fee for the wire transfer. I wrote checks and made some deposits, pending is less than a day now and checks clearing quickly now. ummmm. The bad things, the ATM fees are high, and they nickel and dime you at the ATM, Credit cards rates are very high and my FICO score is close to 800. I am not happy or unhappy with the USBank. Its convenient. I am looking to close this account and go with a more local bank. I need more.
I am so on the fence about US bank, I like their ATM network and the partnership with moneypass and I also like their online and mobile app. However, they are the greediest sunofab%%%es that operates as a bank. I have never seen such a litany of fees at one bank. NSF, Extended Overdraft, ATM Denial Fee, Debit card denial fee and the list goes on an on. Also, forget a courtesy reversal, they basically told me to pi$$ off when I asked for my first overdraft fee. They are basically ok but will rob you blind if you don't have much money.
I hate this bank. I've never had so much trouble setting up a checking account and then not being able to use it once it is set up. I'm finally able to access MY money and my account gets suspended while trying to Zelle some money to my wife. After I finally got the Zelle to go through, I get a call from their fraud department asking me questions like, where did the check that I deposited come from, which bank, what was is for, what did I sell, where did I post it online. I finally stopped the guy and told him it was none of his business. I understand there is a lot of fraud out there but this company seams to cross the line. There are better options out there. I closed my acount and took my money back to Chase.
Overall | |
---|---|
FDIC Certificate # | 6548 |
Year Established | 1863 |
Employees | 67684 |
Primary Regulator | OCC |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.47% |
Return on Equity - YTD | 15.67% |
Annual Interest Income | $13.41B |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $564.2B$544.8B |
Loans | Q4 2021vs Q4 2020 | $314.1B$299.2B |
Deposits | Q4 2021vs Q4 2020 | $465.3B$442.8B |
Equity Capital | Q4 2021vs Q4 2020 | $51.47B$52.59B |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $5.72B$7.31B |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $1.23B$1.63B |
Real Estate Owned | Q4 2021vs Q4 2020 | $22.4MM$24.1MM |
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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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.01% | - | - | Standard Savings | |
0.01% | - | - | Basic Business Savings | |
0.01% | - | - | Business Savings Sweep |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.01% | - | - | Platinum Checking | |
0.01% | - | - | Premium Business Checking with Interest | |
0.01% | $20k | - | Gold Business Checking Package with Interest | |
0.01% | - | - | Non-Profit Checking |