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.
 |  | |
| Visit Site | Visit Site | |
US Bank | Bluevine | |
|---|---|---|
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus - | Free Business Checking - Up to 2.0% APY - | |
Benefits and Features | ||
| Savings | 0.01% 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 |
| CD | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. | |
| Checking | 4.25% APY for Premier customers, 3.0% APY for Plus customers, 2.0% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard | |
| Monthly Fee | Standard tier: $0 per month Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend) Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) | |
| Money Market | 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. | |
| APY | 4.25% APY on balances up to $3M for Premier customers; 3.0% APY on balances up to $250,000 for Plus customers; 2.0% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements | |
| Minimum Deposit to Open | ||
| ACH Transfer Fee | ||
| ATMs | more than 37,000 ATMs across the country | |
| Balance Requirement | ||
| Cash Deposit Fee | $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs | |
| Customer Service | 24/7 Live Customer Service (Telephone) | Phone and email: Monday - Friday. 8 am to 8 pm EST |
| Incoming Wire Transfer Fee | ||
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | more than 2,000 branches across the country. | |
| Out of Network ATM Fee | ||
| Outgoing Wire Transfer Fee | $15 ($12 for Plus; $7.50 for Premier) | |
| Overdraft Fee | ||
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD | | |
| Checking | |  |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Big national bank with wide array of services and many account options... | Free account with interest for basic business checking needs... |
| Visit Site | Visit 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 04/09/2024 based on 91107 zip code. | ||
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus
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 $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
Earn up to $200 with a new Standard Savings account.
- Make new money deposit(s) totaling $15,000 or more by July 17, 2024
- Maintain that balance until October 31, 2024
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Silver Business Checking Package - Up to $800 Bonus NEW
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 31, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $400.
- 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.
Gold Business Checking Package - Up to $800 Bonus NEW
Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 31, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $400.
- 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.
Free 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
Free 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
Premier Business Checking - Up to 4.25% APY
- 4.25% APY on balances up to $3,000,000
- $0 minimum opening deposit
- 50% off most Standard payment fees
- Priority customer support
- Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend
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
US Bank Savings Account Interest Rate
Who Owns US Bank
US Bank Silver Business Checking Minimum Balance
US Bank Silver Business Checking Fees
US Bank Business Checking Requirements
US Bank Complaints
Chase vs US Bank Business Account
U.S. Bank Checking Account Bonus
US Bank Business Checking Bonus
US Bank Routing Number
Articles on Bluevine
Bluevine Business Checking Review
Is Bluevine Safe and Legit
Bluevine Alternatives
Which Do You Think is Best?
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