US Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.50% | 5-year CD | 59 Month CD Special 2.25% - Ally Bank High Yield 5 Year CD |
| 1.40% | 3-year CD | 37 Month CD Special 1.60% - Ally Bank High Yield 3 Year CD |
| 1.25% | 18-month CD | 19 Month CD Special 1.35% - Ally Bank High Yield 18-Month CD |
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.
Related Posts
7/8 - US Bank Offers $200 Summer Checking Bonus
7/17/14 - US Bank $150 Bonus
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
11/14/11 - U.S. Bank's New Mobile Banking Fees
10/31/11 - Competitive 59-Month CD Rate at US Bank - Available Nationwide
10/28/11 - CD Increase
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
12/14/10 - 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
5/23/10 - 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
10/19/08 - 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
6/27/08 - 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
Amazing Experience!!
I opened an Gold Checking Account with them and closed it and transferred out the funds about a year later, only because I very seldom used it. About a week later, I received a check in the mail from US Bank for $0.02!! Apparently this was for the accrued but unposted interest which my account had earned when I closed it. I have never dealt which such an ETHICAL bank!! Even if they were legally required to return the $0.02 to me, obviously I couldn't have cared less had they just kept it. For its honesty, US Bank deserves 5 stars!!
USBank Review
While using the online banking option through USBank, I have rarely ran in to issues regarding quality and service. Though there have been times to where I did get locked out of my account due to the fact the security questions were set 5 years ago and they had never asked for them beforehand. Also the customer service is quite slow sometimes getting back to me regarding questions I have with my account. The application on my phone to access my account has a verification process that can cause delays when I have very minimal time to check at work. Overall I would say the online banking is okay but could use many improvements in regards to convenience. Though I use online banking a lot, if I want to avoid any hassle I go to the physical site next to my home in Kansas City.
US Bank - Helps me save money on my phone!
I started using US Bank about 6 years ago and I would never go back. US bank makes it easy for me to check what is going on with my account through my phone. There is an app they have that you can download to you phone that allows you to seeing all your banking needs in real time. At first I was a little hesitant, but their security system is very efficient. If you have an iphone 7 you can us you fingerprint to login to your account. I prefer to have a password as well so to get into my account I must use my finger print password, put in my password, and confirm the password screen has the picture and noises I choose every time I login. This I believe is a great example of technological security. The app also allows you to transfer from checkings to savings (etc), make a check deposit (they do charge .50, but it still beats gas prices), and see a detailed report of your spending. Using it on my phone has been a great asset and I can honestly say is one of the reasons I am debt free today.
Great Checking, Poor Savings
Online Banking features are one of the best. Interest rates for savings; not so much. Obviously, my money is in the wrong place, so I will be closing and transferring to one that pays me more interest.
Data as of Q2 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 6548 |
| Year Established | 1863 |
| Employees | 70522 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.26% |
| Return on Equity - YTD | 12.3% |
| Annual Interest Income | $6.81B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $456.9B$433.5B |
| Loans | Q2 2017vs Q2 2016 | $276.4B$268.1B |
| Deposits | Q2 2017vs Q2 2016 | $357.8B$327.8B |
| Equity Capital | Q2 2017vs Q2 2016 | $45.93B$44.33B |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $3.86B$3.81B |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $1.74B$2.08B |
| Real Estate Owned | Q2 2017vs Q2 2016 | $157.0MM$228.8MM |
This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.
U.S. Bank Chicagoland CD Specials - 2.05% 59-Month
2.05% apy 59-month CD
1.01% apy 11-month CD
$1,000 minimum
$249,999 maximum
Offer only valid at Chicago metro area U.S. Bank locations
Always verify rates and promotions with the bank or credit union. We are not US Bank; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
US Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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 Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $5k* | - | Retirement Money Market Savings - Bonus Rate | ||
| OTHER TIERS: 0.55% → Up to $5k | |||||
| 0.33%* | $500k* | $1m | Platinum Business Money Market - Bonus Rate | ||
| OTHER TIERS: 0.10% → Up to $5k | 0.13% → $5k - $100k | 0.18% → $100k - $500k | |||||
| 0.28%* | $500k* | $1m | Platinum Business Money Market | ||
| OTHER TIERS: 0.05% → Up to $5k | 0.08% → $5k - $100k | 0.13% → $100k - $500k | 0.20% → $1mm+ | |||||
| 0.25%* | $100k* | $1m | Preferred Business Money Market | ||
| OTHER TIERS: 0.01% → Up to $20k | 0.08% → $20k - $100k | 0.20% → $1mm+ | |||||
| 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%* | $500k* | $1m | Premium Business Money Market | ||
| OTHER TIERS: 0.05% → Any amount | 0.08% → $20k - $500k | |||||
| 0.07%* | $50k* | - | Package Money Money Market Saving | ||
| OTHER TIERS: 0.04% → Up to $10k | 0.05% → $10k - $50k | |||||
| 0.06%* | $50k* | - | Elite Money Market | ||
| OTHER TIERS: 0.04% → Up to $10k | 0.05% → $10k - $50k | |||||
| 0.05%* | $10k* | - | Standard Money Market | ||
| OTHER TIERS: 0.04% → Up to $10k | |||||
US Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Non-Profit Checking | |
| 0.01% | - | - | Premium Checking | |
| 0.01% | - | - | Platinum Checking | |
| 0.01% | - | - | Premium Business Checking with Interest | |
| 0.01% | $20k | - | Gold Business Checking Package with Interest |
US Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | $1k | $250k | 59 Month CD Special | |
| 1.50% | $1k | $250k | Business 59 Month CD Special | |
| 1.40% | $1k | $250k | 37 Month CD Special | |
| 1.40% | $1k | $250k | Business 37 Month CD Special | |
| 1.25% | $1k | $250k | 19 Month CD Special | |
| 1.25% | $1k | $250k | Business 19 Month CD Special | |
| 0.80% | $1k | $250k | 60 Month Trade-Up CD | |
| 0.80% | $1k | $250k | Business 60 Month Trade-Up CD | |
| 0.75% | $500 | $250k | 60 Month CD | |
| 0.75% | $500 | $250k | Business 60 Month CD | |
| 0.75% | $1k | $250k | Business 11 Month CD Special | |
| 0.75% | $1k | $250k | 11 Month CD Special | |
| 0.50% | $500 | $250k | 48 Month CD | |
| 0.50% | $500 | $250k | Business 48 Month CD | |
| 0.40% | $1k | $250k | 30 Month Trade-Up CD | |
| 0.40% | $1k | $250k | 28 Month Step Up CD | |
| 0.40% | $1k | $250k | Business 28 Month Step Up CD | |
| 0.40% | $1k | $250k | Business 30 Month Trade-Up CD | |
| 0.35% | $500 | $250k | 36 Month CD | |
| 0.35% | $500 | $250k | Business 36 Month CD | |
| 0.20% | $500 | $250k | 24 Month CD | |
| 0.20% | $500 | $250k | Business 24 Month CD | |
| 0.15% | $500 | $250k | 18 Month CD | |
| 0.15% | $500 | $250k | Business 18 Month CD | |
| 0.10% | $500 | $250k | 12 Month CD | |
| 0.10% | $500 | $250k | Business 12 Month CD | |
| 0.05% | $500 | $250k | 1 Month CD | |
| 0.05% | $500 | $250k | 2 Month CD | |
| 0.05% | $500 | $250k | 3 Month CD | |
| 0.05% | $500 | $250k | 6 Month CD | |
| 0.05% | $500 | $250k | 9 Month CD | |
| 0.05% | $500 | $250k | Business 1 Month CD | |
| 0.05% | $500 | $250k | Business 2 Month CD | |
| 0.05% | $500 | $250k | Business 3 Month CD | |
| 0.05% | $500 | $250k | Business 6 Month CD | |
| 0.05% | $500 | $250k | Business 9 Month CD |
