U.S. Bank Review 2025

U.S. Bank offers a full range of products and services that include checking and savings accounts, a money market account and certificates of deposit. The bank maintains branches in 28 states, and anyone in the U.S. can open accounts online. But the bank's savings products generally offer low yields; you can find much better interest rates elsewhere, especially at online-only banks.

U.S. Bank banking products

U.S. Bank Standard Savings account

While you can earn up to a 3 percent APY, it requires a qualifying U.S. Bank account with a high combined balance. Those who don't have a qualifying account will receive a low yield. 

You'll only need $25 to open the account, but there is a service fee if you don't qualify for a waiver. 

Standard CD

U.S. Bank offers 11 terms of standard CDs. These standard CDs have terms ranging from one month to five years. Terms and rates may vary based on your ZIP code. None of the bank’s standard CDs offer competitive APYs, and higher yields are easily found elsewhere.

In addition to standard CDs, U.S. Bank offers a few special CDs that have decent yields for a big bank. Customers can opt for a Step Up CD that allows for an interest rate boost every seven months. There’s also a Trade Up CD that allows savers to change interest rates at a point during their initial term. Terms are 30 months and five years.

Elite Money Market Account

U.S. Bank’s Elite Money Market Account has a $100 minimum deposit. Unfortunately, its APY is well below the national average. However, for a limited time and in select areas, you can earn much higher yield for balances above $25,000. The account carries a $10 monthly service charge unless you keep a $10,000 minimum daily balance in a qualifying U.S. Bank checking account.

Bank Smartly Checking account

U.S. Bank’s Smartly Checking, the account scored for this review, earns a little bit of interest and requires just $25 to open. However, it has a steep $12 monthly maintenance fee. The fee can be waived in a few ways: 

• Receive monthly direct deposits of $1,000 or more.
• Maintain an average balance of at least $1,500.
• Hold an eligible U.S. Bank credit card. 
• Be part of a qualifying Smart Rewards tier or special customer group.

Compare different account types offered by U.S. Bank. Annual percentage yields (APYs) shown were updated between Nov. 27, 2025 and Dec. 3, 2025.

Customer support

24/7 support. Customer support is available on the U.S. Bank website, where you can find a branch, make a physical or virtual appointment or call to get help. Customer service can be reached by phone on a 24/7 basis.

Mixed customer satisfaction. U.S. Bank customer satisfaction varies with location, according to J.D. Power’s 2025 U.S. Retail Banking Satisfaction Study. For example, while U.S. Bank ranked second in customer satisfaction in California and above average in the Lower Midwest and Southwest, but it scored below average in Illinois, Northwest, North Central and South Central regions.

Physical presence. U.S. Bank operates branches in 28 states and also allows customers to open accounts online from anywhere in the country.

Digital experience

Highly rated mobile app. U.S. Bank’s mobile app is highly rated on the Apple App and Google Play stores. More than 480,000 Android users have reviewed the app, while more than 1.9 million users have reviewed it for iOS. “It’s very simple to find what you’re looking for on the app,” said a Bankrate staff member with a U.S. Bank account. “You can access all of the main banking options from the top drop-down menu as well as a menu that sticks at the bottom. It also shows your accounts and balances right at the top of the app.”

Frustrating website experience. In contrast to the app, navigating the mobile site on a phone (and sometimes even on a computer) is difficult, according to a Bankrate staff member with an account, adding that they spent some time searching for the free credit score and cash-back page before finally giving up. Lastly, U.S. Bank’s pages don’t prominently display monthly maintenance fees, although all accounts reviewed here charge one.

Smart assistant feature. This page lets you submit questions or commands, including verbally on the mobile app. For example, you can ask the assistant about your recent transactions, how much you spent last month or what bills are due this week.

Complaints

CFPB enforcement action. In 2022, the Consumer Financial Protection Bureau (CFPB) found that U.S. Bank opened deposit accounts and issued credit cards and lines of credit for consumers without their knowledge or consent. The CFPB ordered U.S. Bank to pay a $37.5 million penalty and develop a plan to remediate harmed consumers. 

In 2023, U.S. Bank had to pay a total of $20.7 million because it kept people from obtaining their unemployment benefits during the COVID-19 pandemic, according to a CFPB news release.

Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.