Save money and be informed. CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

US Bank vs PaymentCloud

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

 US Bank
Member FDIC
PaymentCloud
 Visit SiteVisit Site
 

US Bank

PaymentCloud

SPECIAL OFFER
U.S. Bank Smartly® Checking - Up to $400 Bonus - Learn More

Read US Bank Review

SPECIAL OFFER
High Risk? No Problem - Learn More

Read PaymentCloud Review

 

Benefits and Features

Savings0.01% 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. 
CDStandard 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 Market0.01% - 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. 
Equipment Available through third-party providers (Clover, Dejavoo, etc.)
Customer Service24/7 Live Customer Service (Telephone)
Phone and Form Submission
 

CreditDonkey® Reviews

 US BankPaymentCloud
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty Star
ContractStarStarStarHalf StarEmpty Star
EcommerceStarStarStarStarHalf Star
High Volume BusinessStarStarStarStarStar
Low Volume BusinessStarStarStarHalf StarEmpty Star
Pricing ModelStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low savings APY
Pros:
  • Supports up to 3% chargeback ratio
  • Customized payment solutions
  • Dedicated account manager
Cons:
  • Underwriting process
  • No disclosed fees
  • Potential long-term contract
Bottom LineBig national bank with wide array of services and many account options... Read full reviewTrusted merchant account provider for low to high-risk businesses... Read full review
 Visit SiteVisit 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 09/06/2024 based on 91107 zip code.

US Bank
Member FDIC

U.S. Bank Smartly® Checking - Up to $400 Bonus

Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through October 31, 2024. Member FDIC.

Earn up to $400 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 $200 or $5,000 or more to earn $400

Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

Expires 10/31/2024
US Bank
Member FDIC

Silver Business Checking account - $400 Bonus

Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.

New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or 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 1/15/2025
US Bank
Member FDIC

Platinum Business Checking account - $900 Bonus

Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.

New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or 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 1/15/2025
PaymentCloud

High Risk? No Problem

  • Competitive Options for Payment Processing at All Risk Levels
  • Fast Funding
  • No Setup/Hidden Fees
  • No Minimum Credit Score
  • All Industries Accepted
PaymentCloud

98% Approval

  • Competitive Options for Payment Processing at All Risk Levels
  • Fast Funding
  • No Setup/Hidden Fees
  • No Minimum Credit Score
  • All Industries Accepted
PaymentCloud

Accepts Bad Credit Merchants

  • Competitive Options for Payment Processing at All Risk Levels
  • No Setup/Hidden Fees
  • No Minimum Credit Score

Articles on US Bank

US Bank

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 Complaints

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.

US 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 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

Boost your business with a business checking bonus from U.S. Bank. 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 PaymentCloud

PaymentCloud Review

Find out the true value of PaymentCloud for merchants (including high risk businesses). Read the pros and cons before you commit.

PaymentCloud Pricing

Payment processing services can sometimes break the bank. For services like PaymentCloud, how much will you need to budget? Read on to find out.

Which Do You Think is Best?





You Might Also Like

Costco Merchant Services Review

Costco Merchant Services Review

Before applying, get all the information about Costco Merchant Services' rates, features, benefits, and drawbacks.

Next Page:

About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2024 CreditDonkey Inc. All Rights Reserved.