US Bank vs Found
US Bank is a big national bank with wide array of services and many account options. How does it compare to Found? 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 Found is a business banking account for the self-employed. It keeps track of write-offs, auto saves for taxes, and even makes your quarterly tax payments for you. Plus, you get free unlimited invoices. There's no monthly fee.
Compare US Bank with Found, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
US Bank | Found | |
|---|---|---|
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus - | Free Business Banking for the Self-Employed - | |
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. | Only includes a Tax Savings Account with auto-save feature |
| 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 | No monthly fees; no minimum balane fees; no overdraft fees | |
| Monthly Fee | ||
| 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 | ||
| Minimum Deposit to Open | ||
| ACH Transfer Fee | ||
| ATMs | more than 37,000 ATMs across the country | Any ATM that accepts Mastercard; No ATM fees from Found, but owner may charge a fee |
| Balance Requirement | ||
| Cash Deposit Fee | ||
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| 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 | Standard ATM fees charged by the owner | |
| Outgoing Wire Transfer Fee | ||
| Overdraft Fee | ||
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| Minimum Deposit | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Big national bank with wide array of services and many account options... | Free business banking app with good tax tools, but lacks some basic features... |
| 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
Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 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.
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 Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 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.
Free Business Banking for the Self-Employed
- $0 monthly service fees or minimums
- Automatically find tax write-offs and track expenses
- Auto-save for taxes
- Photo receipt capture
- Free unlimited custom invoices
- Easy sign up; no credit check
Found Plus Business Banking
- $19.99/month or $149.99/year
- Earn 1.5% APY on balances up to $20,000
- Auto-import expense from receipt
- Automatically find tax write-offs and track expenses
- Pay taxes directly from the app
- Free unlimited custom invoices
- Custom bookkeeping categories
- Priority customer support
Which is Better: US Bank or Found?
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. Found's checking is impressive.
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 Problems
US Bank vs Chase Business Checking
U.S. Bank Checking Bonus
US Bank Business Checking Bonus
US Bank Routing Number
Articles on Found
Found Business Banking Review
Which Do You Think is Best?
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