U.S. Bank vs Payment Depot

U.S. Bank is a big national bank with wide array of services and many account options. How does it compare to Payment Depot? 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 Payment Depot offers membership pricing plans based on business volume. It starts at $79/mo, plus Interchange + 8¢ per transaction for swipe, and Interchange + 18¢ for online transactions. There is no contract.

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

	U.S. Bank	Payment Depot
	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER U.S. Bank Smartly® Checking and Savings Account - $200 Bonus Read U.S. Bank Review	SPECIAL OFFER Save Over $400 Per Month on Average - Learn More Read Payment Depot 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		POS (EMV, Magstripe, NFC, Contactless, Smart Terminals), Mobile Payment Processing, Online Payment Processing
Mobile App	iOS & Android
Customer Service	24/7 Live Customer Service (Telephone)	Phone, Email, Ticket Center, Social Media Platforms (Facebook, Twitter, LinkedIn)
	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: Affordable membership pricing Cancel anytime Cons: Not ideal for small businesses Equipment return fee
Bottom Line	Big national bank with wide array of services and many account options... Read full review	Cheap merchant account provider for high-volume businesses... Read full review
	Learn More	Visit Site
		Save Over $400 Per Month on Average First Month Free Save 40% or 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 05/16/2026 based on 91107 zip code.