Bank profile
U.S. Bank
We track 3 accounts and 4 credit cards from U.S. Bank, with a source and verification date on every figure.
2.5Bank Compass score
4.8Mobile app rating
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Where U.S. Bank ranks
Credit cards
U.S. Bank
U.S. Bank Cash+® Visa Signature®
U.S. Bank Cash+® Visa Signature®
$0 annual fee
U.S. Bank
U.S. Bank Altitude® Go Visa Signature®
U.S. Bank Altitude® Go Visa Signature®
$0 annual fee
U.S. Bank
U.S. Bank Altitude® Connect Visa Signature®
U.S. Bank Altitude® Connect Visa Signature®
$0 annual fee
U.S. Bank
U.S. Bank Shield™ Visa®
U.S. Bank Shield™ Visa®
$0 annual fee
Checking accounts
Smartly® Checking
$12/mo fee
Waived with: Waived for the first 2 statement periods; after that, $1,500+ in combined direct deposit, a $1,500+ average balance, holding the Smartly Visa Signature card, or Smart Rewards tier
Savings accounts
Smartly® Savings
$5/mo fee
Waived with: Linking a Smartly Checking account or the Smartly Visa Signature card
Student accounts
Student / Young Adult Checking
Fee not independently verified
Waived with: Automatic waiver of the $12 fee for account holders aged 18-24
Digital banking
U.S. Bank offers a mobile app. App Store rating: 4.8 / 5. Google Play rating: 4.8 / 5.
Related reading
The terms this profile uses, explained — before you decide whether U.S. Bank is the one.
- What Is the FDIC, and Is Your Money Actually Insured?The FDIC insures deposits at member banks up to $250,000 per depositor, per insured bank, for each account ownership category. Those three qualifiers are the whole rule — and they are also how a household can be covered for far more than $250,000 at one bank.Guide · 4 min read
- What Is APY, and Why It Matters More Than the Interest RateAPY (Annual Percentage Yield) is the actual return you'll earn on a savings account in a year, including compounding. It's the number to compare — not the interest rate alone.Guide · 3 min read
- How to Choose a Checking Account Without Overpaying in FeesMost checking account fees are avoidable — but only if you actually meet the condition the bank sets. Here's how to check before you open an account, not after the first fee posts.Guide · 3 min read
- Overdraft Fees: What They Are and the Setting That Turns Them OffAn overdraft fee is what a bank charges to cover a payment your balance could not. For debit card and ATM transactions you have to opt in for that to happen at all — and if you never opted in, the card is simply declined and nothing is charged.Guide · 4 min read
Run the numbers
What U.S. Bank's rates and fees are worth once your own figures are in them.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
- Credit Card Payoff CalculatorSee how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.
- Mortgage Calculator (PITI + PMI)Estimate your monthly mortgage payment — principal, interest, property tax, insurance, and PMI.
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