Axos Bank vs U.S. Bank
Axos Bank is a full-service online bank with excellent checking and savings. How does it compare to U.S. Bank? Read our comparison chart below.
Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.
While U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
Compare Axos Bank with U.S. Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Axos Bank | U.S. Bank | |
|---|---|---|
Basic Business Checking - | U.S. Bank Smartly® Checking and Savings Account - $200 Bonus | |
Benefits and Features | ||
| Savings | 0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over) | Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. |
| CD | 0.20% APY. Terms of 3 months to 5 years. $1,000 minimum | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. |
| Checking | Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback | |
| Money Market | 0.01% - 0.05% 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® Gold tier or above, or maintain a $10,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | approximately 91,000 partner ATMs | 4,700+ U.S. Bank ATMs across the country |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   |  |
| CD | | |
| Checking | | |
| Mobile App | | |
| ATMs | | |
| Locations | | |
| Money Market | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Full-service online bank with excellent checking and savings... | Big national bank with wide array of services and many account options... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 06/05/2026. U.S. Bank: Pricing information from published website as of 06/03/2026 based on 91107 zip code. | ||
Which is Better: Axos Bank or U.S. Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Bank of America.
In short: Axos Bank's savings and checking are notable. In particular, the checking is excellent. U.S. Bank's cd is notable.
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