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U.S. Bank vs USAA Bank

U.S. Bank is a big national bank with wide array of services and many account options. How does it compare to USAA Bank? Read our comparison chart below.

 U.S. Bank
Member FDIC
 Learn MoreLearn More
 

U.S. Bank

USAA Bank

SPECIAL OFFER
U.S. Bank Business Essentials - $500 Bonus

Read U.S. Bank Review

SPECIAL OFFER
Personal Checking Account - $200 Bonus - Learn More

Read USAA Bank Review

 

Benefits and Features

SavingsBank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking or Safe Debit account, or for accounts with a minor under the age of 18.
  • USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open.
  • USAA Performance First Savings: Earn up to 0.86% APY. $1,000 to open.
  • CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
    Checking
    Smartly Checking
    Classic Checking, Youth Spending
    Money Market0.01% - 0.25% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above, or maintain a $10,000 minimum daily balance. 
    Mobile App
    iOS & Android
    iOS & Android
    ATMs4,700+ U.S. Bank ATMs across the country100,000+ USAA and USAA-preferred ATMs
    Customer Service24/7 Live Customer Service (Telephone)
    • Monday - Friday: 9AM - 5PM (ET)
    • Saturday: 8:30AM - 1PM (ET)
    IRA CD 0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.
    IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. 
    Locations
    2,900+ branches
    4 financial centers in Colorado, New York, Maryland, and Texas
     

    CreditDonkey® Reviews

     U.S. Bank
    SavingsStarStarStarEmpty StarEmpty StarStarStarHalf StarEmpty StarEmpty Star
    CDStarStarStarStarEmpty Star
    CheckingStarStarStarEmpty StarEmpty Star
    Money MarketStarStarStarEmpty StarEmpty Star
    Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
    Customer ServiceStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
    FeesStarStarStarHalf StarEmpty Star
    Pros & ConsPros:
    • Promo CD with high APY
    • Free student account
    • 24/7 customer service
    Cons:
    • Low standard savings APY
    Pros:
    • $0 monthly fees
    • Free bank card
    Cons:
    • Low APY
    • Not available for all
    Bottom LineBig national bank with wide array of services and many account options... Read full reviewSavings account with low rate and limited availability... Read full review
     Learn MoreLearn More

      Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

      U.S. Bank: Pricing information from published website as of 04/11/2025 based on 91107 zip code.

      USAA Bank: Pricing information from published website as of 04/19/2025.

      U.S. Bank
      Member FDIC

      U.S. Bank Business Essentials - $500 Bonus

      Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

      Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials or Silver Business Checking account between 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

      Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

      New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

      Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

      Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

      All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

      Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC

      Expires 6/30/2025
      U.S. Bank
      Member FDIC

      U.S. Bank Platinum Business Checking - $900 Bonus

      Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

      Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

      Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

      New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

      Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

      Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

      All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

      Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC

      Expires 6/30/2025
      U.S. Bank
      Member FDIC

      U.S. Bank Payment Solutions - Earn up to $1,000 in 3 months

      Earn up to $1,000 in statement credits over 3 months when you open a new U.S. Bank Payment Solutions account and complete qualifying activities. Member FDIC.

      Offer:

      • Open, and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by June 30, 2025.
      • Keep the approved account in an open status and be actively accepting and settling card payments at thee time the statement credit is issued.
      • Get merchant fees refunded up to $1,000 over three months
      Expires 6/30/2025

      Which is Better: U.S. Bank or USAA Bank?

      Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing U.S. Bank or Chase.

      In short: U.S. Bank's customer service is notable.


      Articles on U.S. Bank

      U.S. Bank

      Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

      U.S. Bank Savings Account Interest Rate

      U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

      Who Owns U.S. Bank

      U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

      U.S. Bank Business Checking Requirements

      Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

      U.S. Bank Problems

      U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

      U.S. Bank vs Chase Business Checking

      U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

      U.S. Bank Checking Bonus

      Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

      U.S. Bank Business Checking Bonus

      Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

      U.S. Bank Routing Number

      To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.

      Articles on USAA Bank

      USAA Routing Number

      USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.

      USAA Savings Account Interest Rate

      Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.

      USAA High Yield Savings

      USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.

      Which Do You Think is Best?





      Which Bank Account is Right for You?


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