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Current vs U.S. Bank

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to U.S. Bank? Read our comparison chart below.

Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.

While U.S. Bank has over 2,900 branches across 27 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 Current with U.S. Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 CurrentU.S. Bank
Member FDIC
 Visit SiteLearn More
 

Current

U.S. Bank

SPECIAL OFFER
Build Credit While You Bank - Learn More

Read Current Review

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

Read U.S. Bank Review

 

Benefits and Features

SavingsUp to 4.00% bonus on your Savings Pod, on up to a total of $6,000Bank 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.
CD Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
CheckingEarn up to 15x points on purchases at participating merchants
Smartly Checking
Monthly Fee
$0
 
Kids Debit Card
Check
 
Money Market 0.01% - 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.
Minimum Deposit to Open
$0
 
Mobile App
iOS & Android
iOS & Android
ATMsFree access to 40,000+ Allpoint ATMs4,700+ 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 
2,900+ branches
 

CreditDonkey® Reviews

 CurrentU.S. Bank
SavingsStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Minimum DepositStarStarStarStarStar
CheckingStarStarStarStarStarStarStarStarEmpty StarEmpty Star
PriceStarStarStarStarStar
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Ease of UseStarStarStarStarStar
EducationStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • High savings rate
  • Up to 15x cash back at 14k stores
  • Ability to deposit cash
Cons:
  • No web platform
  • Email-based support only
  • Requires direct deposit to earn the boosted bonus
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low standard savings APY
Bottom LineSimple, digital-only banking app with impressive bonus and cashback... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Visit SiteLearn More

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

    Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

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

    Current

    Build Credit While You Bank

    • Get Paid Up to 2 Days Faster
    • Build credit and earn points with every swipe
    • 40,000 fee-free Allpoint ATMs in the U.S.
    • No credit check, minimum balance or hidden fees
    Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
    Current

    Current Savings - Up to 4.00% bonus

    • 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
    • Simply add money to your Savings Pods and enable the Boost feature.
    • Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
    • Bonuses accumulate daily.
    Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
    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: Current 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 Current or Bank of America.

    In short: Current's savings and checking are worth mentioning. In particular, the checking is outstanding. U.S. Bank's customer service is notable.


    Articles on Current

    Current Banking Review

    Is Current a good fit for you? Discover its benefits and drawbacks, and see how it sizes up against apps like Chime in this review.

    Articles on U.S. Bank

    U.S. Bank Review

    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.

    Chase vs U.S. Bank Business Account

    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.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


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