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US Bank vs Bluevine

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

US Bank has over 2,200 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 Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.

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

 US BankBluevine
 Visit SiteVisit Site
 

US Bank

Bluevine

SPECIAL OFFER
U.S. Bank Smartly® Checking and Standard Savings - Up to $1,000 Bonus - Learn More

Read US Bank Review

SPECIAL OFFER
Business Checking - Up to 2.0% APY - Learn More

Read Bluevine Review

 

Benefits and Features

Savings0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.No savings account, but you add 5 free sub accounts
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. 
Checking
Smartly Checking
Up to 2.0% APY. No monthly fees; no balance requirements; no overdraft fees
Money Market0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. 
APY 2.0% APY on balances up to $250,000 for customers that meet monthly eligibility requirements
Customer Service24/7 Live Customer Service (Telephone)Phone and email: Monday - Friday. 8 am to 8 pm EST
Minimum Deposit to Open 
$0
ACH Transfer Fee 
$0
ATMsMore than 37,000 ATMs across the country
37,000+ MoneyPass ATMs
Balance Requirement 
None
Cash Deposit Fee 
$4.95
Incoming Wire Transfer Fee 
$0
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. 
LocationsMore than 2200 branches across the country.
Online only
Out of Network ATM Fee 
$2.50
Outgoing Wire Transfer Fee 
$15
Overdraft Fee 
$0
Monthly Fee 
$0
 

CreditDonkey® Reviews

 US BankBluevine
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Money MarketStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
FeesStarStarStarStarStar
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low savings APY
Pros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Bottom LineBig national bank with wide array of services and many account options... Read full reviewFree account with interest for basic business checking needs... Read full review
 Visit SiteVisit Site

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

US Bank: Pricing information from published website as of 09/15/2023 based on 91107 zip code.

US Bank
Member FDIC

U.S. Bank Smartly® Checking and Standard Savings - Up to $1,000 Bonus

Earn up to $1,000 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through October 31 2023. Member FDIC.

Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s)* totaling $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $400 with a new Standard Savings account.

  • Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200 or $50,000 or more to earn $400 by November 30, 2023
  • Maintain that balance until May 31, 2024

Earn an additional $100 for opening both!

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account

Expires 10/31/2023
US Bank
Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $350.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 1/8/2024
US Bank
Member FDIC

Gold Business Checking Package - Up to $800 Bonus

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $350.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 1/8/2024
Bluevine

Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

Open a Free Business Checking Account

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

Business Checking - Up to 2.0% APY

  • 2.0% APY on balances up to $250,000 for eligible customers
  • Unlimited transactions
  • 5 free subaccounts with unique account numbers
  • 2 free checkbooks per year
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

Which is Better: US Bank or Bluevine?

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

In short: US Bank's customer service is notable. Bluevine's checking is worth mentioning.


Articles on US Bank

US 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.

US Bank Business Checking Bonus

A U.S. Bank Business Checking bonus may be the boost you're looking for. Find out how to maximize this benefit.

US Bank Routing Number

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

Articles on Bluevine

Bluevine Business Checking Review

Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.

Is Bluevine Safe and Legit

Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.

Bluevine Alternatives

Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.

Which Do You Think is Best?





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