US Bank vs Chase
US Bank is a big national bank with wide array of services and many account options. How does it compare to Chase? Read our comparison chart below.
US Bank has 3,000 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 Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.
Compare US Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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 | | |
US Bank | Chase | |
|---|---|---|
Easy Checking - $300 Bonus - | Chase Bank $200 Bonus - | |
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. |
|
| CD | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 0.15% APY - 0.75% APY. Terms of 17 month - 59 months. Minimum deposit of $1,000. Maximum deposit $249,999. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking | Easy Checking, Gold Checking Package, Platinum Checking Package |
|
| Money Market | 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. | |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| ATMs | More than 4,700 ATMs across the country | |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | More than 3000 branches across the country. | |
CreditDonkey® Reviews | ||
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| Savings |   |  |
| CD | | |
| Checking | | |
| Money Market | | |
| Customer Service | | |
| Mobile App | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Big national bank with wide array of services and many account options... | National bank with good promotions for new customers... |
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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 03/8/2022 based on 91107 zip code. Chase: Pricing information and data points from published website as of 12/17/2020 | ||
Easy Checking - $300 Bonus
Earn $300 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through July 5, 2022. Member FDIC.
Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
- Enroll in online banking or the U.S. Bank Mobile App.
- Complete two or more direct deposits totaling $4,000 to earn $300
Gold Checking - $300 Bonus
Earn $300 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through July 5, 2022. Member FDIC.
Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
- Enroll in online banking or the U.S. Bank Mobile App.
- Complete two or more direct deposits totaling $4,000 to earn $300
Platinum Checking - $300 Bonus
Earn $300 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through July 5, 2022. Member FDIC.
Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
- Enroll in online banking or the U.S. Bank Mobile App.
- Complete two or more direct deposits totaling $4,000 to earn $300
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- Access to 16,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠: $0 overdraft fee when you overdraw your account $50 or less*
*We won't charge an overdraft fee if you are overdrawn $50 or less at the end of the business day. Chase may pay, for a $34 fee, overdraft transactions at our discretion based on your account history, deposits and transaction amount. If you've enrolled in Debit Card Coverage, everyday debit card purchases like groceries, may be approved at our discretion when you don't have enough money in your account.
Chase Business Complete Banking℠ - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠
- Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
- Alerts to help you stay on top of your account activity.
- Easy account management through Chase Business Online and the Chase Mobile® app.
- Unlimited electronic deposits, ACH and Chase QuickDeposit℠.
- Convenient access to 16,000 ATMs and more than 4,700 branches.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
- No minimum deposit to open.
- No paper checks to track and no Chase fees on money orders or cashier's checks.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
- Bank from virtually anywhere with access to 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
- Secure Banking customers told us they save an average of $50 a month on fees after opening their account.
- No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.
Which is Better: US Bank or Chase?
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 Citibank.
In short: Chase's checking is worth mentioning.
Articles on US Bank
US Bank
U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?
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 Chase
Is Chase a Good Bank
Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.
Chase Bank Open Account
Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.
Chase Business Checking Promotion
Right now, Chase Business Complete Checking is offering a $300 bonus for new customers.
Chase Routing Number
What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).
Is Chase Business Checking Good for Small Business
Chase offers 3 business checking accounts. Take a look at their current promotions, requirements, and fees in this guide.
How to Close a Chase Account
If you're ready to say goodbye to your Chase monthly service fees, follow the steps outlined in this guide to close it online, via phone, and more.
Chase Bank Offers
What promotions does Chase have right now? Find out how much you can earn and how to qualify for the latest Chase bank promotions.
Chase Investment Account Bonus
Right now, when you sign up for a J.P. Morgan Self-Directed Investing account and fund it with qualifying new money, you can earn up to $625.
Chase Total Checking Bonus
Chase Total Checking is offering $200 for opening a new account. Find out how to qualify for the bonus below.
Which Do You Think is Best?
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