U.S. Bank vs Axos Bank

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

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.

While 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.

Compare U.S. Bank with Axos Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	U.S. Bank	Axos Bank
	SPECIAL OFFER U.S. Bank Smartly® Checking - $450 Bonus Read U.S. Bank Review	SPECIAL OFFER Basic Business Checking - Learn More Read Axos Bank Review
	Benefits and Features
Savings	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.	Up to 4.21% APY (promotional rate)
CD	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking	Smartly 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.	0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	4,700+ U.S. Bank ATMs across the country	approximately 91,000 partner ATMs
Customer Service	24/7 Live Customer Service (Telephone)	24/7
IRA Money Market	Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	2,000+ branches	Online only
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
ATMs
Locations
Pros & Cons	Pros: Promo CD with high APY Free student account 24/7 customer service Cons: Low standard savings APY	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches
Bottom Line	Big national bank with wide array of services and many account options... Read full review	Full-service online bank with excellent checking and savings... Read full review
		Basic Business Checking Axos ONE - Earn up to 4.21% APY High Yield Savings - Up to 4.21% APY
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 09/08/2026 based on 91107 zip code. Axos Bank: Pricing information from published website as of 09/08/2026.

Which is Better: U.S. Bank or Axos 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 Bank of America.

In short: U.S. Bank's cd is notable. Axos Bank's savings and checking are notable. In particular, the checking is excellent.

Articles on U.S. Bank

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U.S. Bank Checking Bonus

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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.