U.S. Bank vs Helcim

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

U.S. Bank has over 2,000 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 Helcim offers interchange-plus pricing for businesses of all sizes, with automatic discounts for larger processing volume. It has no contract and no monthly fees. Merchants get full access to all its payment tools with no add-on fees or usage limits.

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

	U.S. BankBank of AmericaSquareStripePayment Depot Member FDIC
	Learn More	Visit Site
	U.S. Bank	Helcim
	SPECIAL OFFER U.S. Bank Smartly® Checking and Savings Account - $200 Bonus Read U.S. Bank Review	SPECIAL OFFER Start Accepting Payments Fast - Learn More Read Helcim Review
	Benefits and Features
Savings	Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.
CD	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
Checking	Smartly Checking
Money Market	0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance.
Equipment		$199 for Helcim Card Reader; $349 for Helcim Smart Terminal
Mobile App	iOS & Android
Customer Service	24/7 Live Customer Service (Telephone)	Phone, email, or schedule callback
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Price
Equipment
Contract
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: Promo CD with high APY Free student account 24/7 customer service Cons: Low standard savings APY	Pros: Volume discounts No monthly fees Excellent merchant tools Good customer service Cons: Only 2 equipment options Not for high-risk businesses
Bottom Line	Big national bank with wide array of services and many account options... Read full review	Excellent interchange-plus provider if you're looking for overall value and service... Read full review
	Learn More	Visit Site
		Start Accepting Payments Fast Helcim Card Reader for $199 Helcim Pricing
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. U.S. Bank: Pricing information from published website as of 08/08/2026 based on 91107 zip code.

Start Accepting Payments Fast

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• Interchange Plus Pricing
• No Monthly Fees
• No Contracts

Helcim Card Reader for $199

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• Tap & Pay
• Chip & PIN
• PIN Debit
• Email receipts
• Customer tracking
• Analytics & reporting
• Batch history
• Card on file
• Surcharging
• Built-in 4G/LTE data
• Compatible with Helcim Payment Extension

Helcim Pricing

Monthly Volume	In-person Transactions	Online and Keyed Transactions
$0 - $50,000	Interchange + 0.40% + 8¢	Interchange + 0.50% + 25¢
$50,001 - $100,000	Interchange + 0.35% + 7¢	Interchange + 0.45% + 20¢
$100,001 - $500,000	Interchange + 0.25% + 7¢	Interchange + 0.35% + 20¢
$500,001 - $1,000,000	Interchange + 0.20% + 6¢	Interchange + 0.25% + 15¢
$1,000,001+	Interchange + 0.15% + 6¢	Interchange + 0.15% + 15¢

Learn More

Articles on U.S. Bank

U.S. 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.

• U.S. Bank vs Bank of America

U.S. Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

Who Owns U.S. Bank

U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

U.S. Bank Business Checking Requirements

Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

U.S. Bank Problems

U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

U.S. Bank vs Chase Business Checking

U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

U.S. Bank Checking Account Bonus

Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

U.S. Bank Business Checking

Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

U.S. Bank Routing Number

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

Articles on Helcim

Helcim Review

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