US Bank vs Marcus by Goldman Sachs

US Bank is a big national bank with wide array of services and many account options. How does it compare to Marcus? 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 Marcus offers savings accounts, term CDs, and a no-penalty CD. It has no checking or ATM network. Savings account has no minimum deposit required to open while CDs have $500 minimum opening deposit. There are no service fees.

Compare US Bank with Marcus, side-by-side. Read on for an in-depth look, including ratings and reviews.

	US Bank	Marcus by Goldman Sachs
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER U.S. Bank Smartly® Checking - Up to $450 Bonus - Learn More Read US Bank Review	SPECIAL OFFER Marcus Online Savings - Earn 4.40% APY - Learn More Read Marcus Review
	Benefits and Features
Savings	0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance, have a $1,000 average monthly collected balance, hold the account with an individual age 12 and under, OR open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above.	4.40% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
CD	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.	3.90% to 5.15% APY. Terms of 6 months to 6 years. 12-month CD APY of 5.15%. $500 minimum to open. No monthly service fee.
Checking	Smartly Checking	N/A
Money Market	0.01% - 0.25% 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® Primary tier or above, or maintain a $10,000 minimum daily balance.	N/A
Mobile App		iOS & Android
ATMs	more than 37,000 ATMs across the country	None
Customer Service	24/7 Live Customer Service (Telephone)	Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET
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.	Online only
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Promo CD with high APY Free student account 24/7 customer service Cons: Low savings APY
Bottom Line	Big national bank with wide array of services and many account options... Read full review	Read full review
	Visit Site	Learn More
	U.S. Bank Smartly® Checking - Up to $450 Bonus Silver Business Checking Package - Up to $800 Bonus Gold Business Checking Package - Up to $800 Bonus	Marcus Online Savings - Earn 4.40% APY 12-Month High-Yield CD - 5.15% APY 6-Month High-Yield CD - 5.10% APY
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 06/13/2024 based on 91107 zip code. Marcus: Information including rates, fees, terms, and benefits was obtained on May 04, 2024 from published websites and is believed to be accurate, but not guaranteed.

Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through September 26, 2024. Member FDIC.

Earn up to $450 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 $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450

Fund your new account within 30 days to start qualifying activities. 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.

Learn More

Expires 9/26/2024

Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 16, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $300.

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 $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Get Deal

Expires 9/16/2024

Member FDIC

Gold Business Checking Package - Up to $800 Bonus

Earn your $300.

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 $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Get Deal

Expires 9/16/2024

Which is Better: US Bank or Marcus?

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.

Articles on US Bank

US 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.

US Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a low APY. Is it worth it? Read on to find out.

Who Owns US 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.

US Bank Silver Business Checking Minimum Balance

Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

US Bank Silver Business Checking Fees

Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

US 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.

US 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.

Chase vs US Bank Business Account

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

U.S. Bank Checking 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.

US Bank Business Checking Bonus

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

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 Marcus by Goldman Sachs

Marcus Bank Review

Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons.