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 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 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 | |
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U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 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. |
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CD | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
Checking |
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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 37,000 ATMs across the country | |
IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
Locations | More than 2200 branches across the country. | |
CreditDonkey® Reviews | ||
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CD | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Money Market | ![]() ![]() ![]() ![]() ![]() | |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Pros & Cons | 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 11/9/2022 based on 91107 zip code. Chase: Pricing information and data points from published website as of 12/17/2020 |
U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 Bonus
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200 or $6,000 or more to earn $400.
- Earn an additional $200 when you open a new Standard Savings account, complete deposit(s) of $25,000 or more February 28, 2023 and maintain a total account balance of $25,000 until May 31, 2023.
Silver Business Checking Package - $400 Bonus
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Gold Business Checking Package - $400 Bonus
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
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 more than 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℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early - exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started.
- No overdraft fees with a Chase debit card that helps you stay within your balance.
- Get more for your money. Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- 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.
- Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
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 more than 16,000 ATMs and more than 4,700 branches.
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.