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U.S. Bank vs Marcus by Goldman Sachs

U.S. 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.

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

 U.S. Bank
Member FDIC
 Learn MoreLearn More
 

U.S. Bank

Marcus by Goldman Sachs

SPECIAL OFFER
U.S. Bank Business Essentials - $400 Bonus

Read U.S. Bank Review

SPECIAL OFFER
Marcus Online Savings - Earn 3.65% APY - Learn More

Read Marcus Review

 

Benefits and Features

SavingsBank 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 18.3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.3.85% to 4.05% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.00%. $500 minimum to open. No monthly service fee.
Checking
Smartly Checking
N/A
Money Market0.01% - 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.
N/A
Mobile App
iOS & Android
iOS & Android
ATMs4,700+ U.S. Bank ATMs across the country
None
Customer Service24/7 Live Customer Service (Telephone)Mon - Sat: 8 am - 10 pm ET
Sat - Sun: 9 am - 7 pm ET
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. 
Locations
2,000+ branches
Online only
 

CreditDonkey® Reviews

 U.S. Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
CDStarStarStarStarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
FeesStarStarStarStarStar
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low standard savings APY
Pros:
  • Competitive APY
  • $0 monthly charges
  • No minimum balance
Cons:
  • No physical locations
  • No mobile check deposit
Bottom LineBig national bank with wide array of services and many account options... Read full reviewGreat online savings account with high APY and no hidden fees... Read full review
 Learn MoreLearn More

    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 01/18/2026 based on 91107 zip code.

    Marcus: Information including rates, fees, terms, and benefits was obtained on December 17, 2025 from published websites and is believed to be accurate, but not guaranteed.

    U.S. Bank
    Member FDIC

    U.S. Bank Business Essentials - $400 Bonus

    Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

    Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.

    Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

    New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

    Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

    Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

    All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
    Member FDIC

    Expires 3/31/2026
    U.S. Bank
    Member FDIC

    U.S. Bank Platinum Business Checking - $1,200 Bonus

    Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

    Platinum Business Checking: $1,200 bonus with $25,000 new money deposits, daily balance, and 6 qualifying transactions.

    Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

    New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

    Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

    Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

    All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
    Member FDIC

    Expires 3/31/2026

    Which is Better: U.S. 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 U.S. Bank or Bank of America.

    In short: U.S. Bank's customer service is notable. Marcus' savings is worth mentioning.


    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 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.

    Chase vs U.S. 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.

    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 Marcus by Goldman Sachs

    Marcus by Goldman Sachs High Yield Savings

    Saving up for something big? Grow your funds with Marcus Online Savings' impressive APY rate. Read on for more details.

    Marcus CD Rates

    Marcus has high-yield, no-penalty, and rate bump CDs. But are the rates competitive? Read on to find out.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


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