Top 337 US Bank Reviews
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US Bank

US Bank

 3.3/5 (337 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

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About US Bank

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    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • Money market account options
    • More than 3,000 branches in 25 states
    • Free checking for students and seniors

    Cons

    • High overdraft and transfer fees
    • High requirements on free checking

    Bottom Line

    US Bank provides a range of banking services and products. Though its maintenance fees can be high, US Bank offers convenience and financial options at thousands of branch locations and an online banking app.

    Top US Bank Reviews

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    Rated with 4 stars
    Verified

    US Bank has given myself a reasonable interest rate. I am able to make extra payments without a penalty. Customer service is ready to answer any question I may have, and explains ...

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    Rated with 5 stars
    Verified

    When I need to talk to person I can. That's important to me not to have a hard time getting to a live person. The time I needed to talk to a person I did and got the issue resolve...

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    What is US Bank?

    US Bank is a commercial bank that provides checking and savings accounts, mortgage loans, insurance, wealth management and payment-service products. US Bank operates more than 3,000 branches and nearly 5,000 ATMs throughout the Midwest and West Coast. Through the US Bank mobile app, account holders can review statements, deposit checks, send money, pay bills, transfer funds and receive alerts about banking activity.

    US Bank services

    US Bank provides checking and savings accounts, CDs and more financial services.

    US Bank checking accounts
    US Bank offers Easy Checking, Gold Checking, Platinum Checking, Student Checking and Safe Debit accounts. Monthly maintenance fees range from $6.95 to $24.95 but can be waived by maintaining a particular balance or depositing a certain amount into the account each month. Checking accounts come with online and mobile banking services, mobile deposit and access to thousands of ATMs and bank locations.
    US Bank savings accounts
    US Bank savings accounts come with online and mobile banking, digital statements, overdraft protection and account alerts. US Bank savings accounts require a $25 minimum opening deposit and a monthly maintenance fee of $4.00. However, account holders who maintain a minimum daily ledger balance of $300 or more do not have to pay the monthly fee. Consumers can apply to open a US Bank savings account online or in person.
    US Bank certificates of deposit
    US Bank certificates of deposit (CD) guarantee a fixed rate of return. Consumers can select terms ranging from one month to five years. A minimum deposit of $500 is required to open a US Bank CD account.
    US Bank credit cards
    US Bank currently offers eight different credit card options with annual fees ranging from $0 to $85. Select from cards with cash back rewards, low interest rates on balance transfers and new purchases, travel perks or cards specifically designed for small businesses. US Bank also provides secured credit cards.
    US Bank loans
    US Bank offers a variety of loans and lines of credit. US Bank’s personal loans have fixed interest rates and monthly payments. College students can apply for financing through US Bank’s student loans, which have flexible payment scheduling and deferment options. Customers can also apply for US Bank car loans and US Bank mortgage loans.
    US Bank money market account
    The US Bank money market account offers tiered interest rates that pay more for higher account balances. US Bank’s money market accounts require a $100 minimum opening deposit. Account holders get access to online and mobile banking, check-writing privileges, overdraft protection and digital statements. The $10 monthly maintenance fee is waived if the daily ledger balance is at least $10,000.

    US Bank fees

    US Bank charges fees based on the type of account and amount of funds maintained in the account each month. Additional fees are assessed for account holders who overdraft their accounts or opt to receive paper statements in the mail.

    US Bank checking account fees
    US Bank’s checking account fees range from $0 to $24.95 per month, depending on the type of account. US Bank waives checking account fees under certain circumstances.
    • Student Checking account: US Bank doesn’t charge a monthly maintenance fee for Student Checking accounts.
    • Easy Checking account: The $6.95 monthly maintenance fee for Easy Checking accounts is waived if the combined monthly direct deposits total more than $1,000, the average account balance is $1,500 or the account holder is older than 65.
    • Gold Checking account: The $14.95 monthly maintenance fee for Gold Checking accounts can be waived if the account holder has an open US Bank credit card, personal loan or line of credit.
    • Platinum Checking account: The $24.95 monthly maintenance fees for Platinum Checking accounts can be waived if the combined personal deposits, credit balances or investments with US Bank total $25,000 or if the account holder has a personal trust relationship with US Bank Wealth Management.
    US Bank ATM fees
    There are no ATM fees or surcharges for making withdraws at any US Bank ATM or participating 7-Eleven store ATM. US Bank’s non-network ATM fees are $2.50 for domestic and international withdraws.
    US Bank overdraft fee
    US Bank charges a $36 daily overdraft fee per transaction. Accounts overdrawn by less than $5 don’t incur an overdraft fee.
    US Bank paper statement fee
    US Bank charges a $2 fee for each paper statement. You can avoid this fee by opting in to receive paperless statements.

    US Bank FAQ

    Where are US Banks located?
    There are nearly 3,000 US Bank locations, located primarily in the Midwest and on the West Coast. States with US Bank branches are Arkansas, Arizona, California, Colorado, Florida, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin and Wyoming.
    What is the US Bank checking account minimum balance?
    US Bank checking accounts must maintain a balance of at least $25.
    What is the US Bank savings account minimum balance?
    The minimum opening deposit for a US Bank savings account is $25.
    How much does it cost to open an account with US Bank?
    There is no cost to open an account with US Bank, but customers must make a minimum deposit of $25.00 to establish a checking or savings account.
    Is US Bank the same as US Bancorp?
    US Bancorp (NYSE: USB) is the parent company of US Bank and its subsidiaries, US Bancorp Investments Inc. and US Bank Wealth Management.

    Is US Bank a good bank?

    US Bank provides free checking accounts for students and seniors, making it a smart option for consumers in college and those 65 or older. Because the bank has costly overdraft fees and high direct deposit requirements, consumers whose monthly paychecks are less than $1,500 might consider banking elsewhere.

    US Bank Reviews

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    How do I know I can trust these reviews about US Bank?
    How do I know I can trust these reviews about US Bank?
    • 3,527,565 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 6
    Rated with 4 stars
    Verified Reviewer
    Original review: Dec. 11, 2021

    This was the best choice for my business banking needs as a start-up. I would strongly advise that you know your Client Relationship Manager, as they could be a valuable resource should you have a question or run into issues. My Client Relationship Consultant is Edgar ** and he has been very helpful when things went awry or I had a question.

    The things that are negative with my business banking plan (they have different plans based on how often you'll deposit checks, etc) is that they charge extra fees for things that leave me scratching my head, like charging me $24.00 for receiving a wire transfer (charge $14 for incoming wires and $10 wire advice fee). Why charge me $10 for advice I never asked for? I do international business but use my personal bank for issuing wire transfers because US Bank is expensive to use. But the business banking plan I have is free, so I guess they need to make their money elsewhere.

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    Rated with 5 stars
    Verified Reviewer
    Original review: June 14, 2021

    US BANK GOES OUT OF ITS WAY TO BE AVAILABLE TO ALL ITS CUSTOMERS. THEY HAVE VERY COURTEOUS SERVICE STAFF & online help is always there to help. They have very customer friendly policies.. I have used this bank for over 25 years!

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      Rated with 5 stars
      Verified Reviewer
      Original review: May 30, 2021

      Very good bank. Great customer service including a person answers their phone even overnight. Not too pushy and seems to treat people who don't have a lot of money the same way as the people who do.

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: April 29, 2021

      Prior to our mortgage being sold we had US Bank. My family owns several homes that were handled by this mortgage company. We thought it was one of the best in the business. It was not their fault of the mortgage departures. US Bank is remarkable in communicating with its customers. I also had great customer service experiences by phone and online. We, yes my family and I were so disappointed when our mortgages got switched and taking away from US Bank. This is a company that is highly prioritized in satisfying their customers mortgage and banking needs.

      2 people found this review helpful
      Rated with 2 stars
      profile pic of the author
      Verified Reviewer
      Original review: Jan. 6, 2022

      Unfortunately, US Bank has disappointed me several times. The latest issue was when US Bank sent me an email notifying me my transfer of funds from US Bank to my other account at another institution was cancelled. But I am most irritated by the difficulty in reaching customer service by phone to solve these problems. Often I only reach a message machine. If I do reach someone, that person is distracted by another customer walking into their office. US Bank staff at the branches seem very nice and eager to help. But doing anything online is difficult.

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      Customer increased Rating by 1 stars!
      Verified Reviewer
      Resolution response: Dec. 30, 2021

      They later informed me that I did have the 120 days to complete the $1000 purchase for the bonus. It was the customer service representatives not being able to do his job correctly. This is not a US Bank issue. I have been dealing with incompetence in customer service since COVID started in all my business transactions.

      Original review: Dec. 29, 2021

      I opened the US Bank Cash+ credit card specifically to get the 5% back on phone and internet subscription (and their $200 bonus). My Disney+ subscription got the 5%, but my US Mobile is not coded correctly as a cell service. And US Bank cannot change the code. I do not blame US Bank for this. I am upset at the fact that when I called to check on the last day that I could purchase to get their $200 bonus when spending $1000 the customer service said it was 120 days after starting, but when I pressed for a date he looked at my profile and told me it was actually only 60 days and had already expired. The credit limit was $500 a month and US Bank refused to increase my credit limit.

      When I asked how could you reach $1000 in two months with a small credit limit, I was told that if I had paid my bill early and reset my limit it was possible. Which is true, but since I was under the assumption I had 120 days not 60 days it is very deceitful. I do not recommend this Bank or the credit card. It seems very deceitful their advertising on the bonus.

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      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: Dec. 21, 2021

      From early on I have noticed that US Bank 24 hour customer service line agents are blatantly dishonest, rude and some would raise their voice to show their righteousness. When I need to get things done, 9 out of 10 times it will not be done. They lie as if everything is copesetic and in reality they drop the ball. They are quick to judge and quick to dismiss. I am a hotel front desk agent, but if I ever behave the way US Bank reps. behave, I would be written up immediately and lose my job if I keep up with my funky attitudes. They are on the phone so they are quite comfortable pretending to put me on hold for something important all the while waiting for me to hang up the phone, or pretending to transfer me to someone else and hang up the phone on me.

      Apparently, my loyalty in banking with US Bank is not taken into considerations and I get "punished" for requesting things. At this point, I'm scared to talk to a US Banker with regards to such sensitive information as my bank accounts. Every time I get transferred to speak with management, I'm either left alone on hold until I give up, or the managers themselves hang up the phone. What a lazy way of making a living. If, as a front desk agent, I behaved the way they behaved, customers would be reaching over the front desk to grab me by my collar...I am thoroughly disappointed in the customer service call agents of US Bank. How can they call themselves workers???

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      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 16, 2021

      They closed my checking account without notice. None. Then they told me it’ll take 3-4 weeks to send me my money. They lied (recorded) five times. I wouldn’t trust them to cash in a roll of dimes. They’re not trustworthy.

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      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 16, 2021

      I called US Bank to solve my problem but they don’t care and took my money from my checking account, I can’t get my money back. Worst bank ever seen. I will close my account and open another account to other bank.

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      Rated with 2 stars
      Verified Reviewer
      Original review: Dec. 1, 2021

      I should read the bad reviews here first. :( I open a business account everything went smooth first, all automated. Next working day I get email "please fill out this PDF because your original transfer did not go through." I picked up the phone and called the number provided. Being send to 4 wrong departments until some lady that sounded annoyed confirmed I need to send the PDF.

      Next day for some reason the debit from the original transfer appeared, so now they will charge me twice. The app still not working. I assume they put some kind of block on it. I read that the bank is owned 70% by Chinese Investors or G. I thought, "Well not my problem. I will give it a try. Maybe they are more modern in doing business, the app looked good." But I can tell you as other people already wrote here, they are very unorganized and can't even open a bank account smooth. So I will try to get the $300 bonus they promised but put that account as backup only!

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        US Bank Company Information

        Company Name:
        US Bank
        Website:
        www.usbank.com