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US Bank vs Regions Bank

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

US Bank has 3,000 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 Regions Bank has 1,500 branches in 15 states in the South and Midwest. Checking and savings accounts require just $50 to open, with relatively lower requirements to waive fees. The unique Now Banking solution offers prepaid Visa, savings, and check cashing services with no account required.

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

 US Bank
 Visit SiteLearn More
 

US Bank

Regions Bank

SPECIAL OFFER
U.S. Bank Smartly™ Checking - $300 Bonus - Learn More

Read US Bank Review

SPECIAL OFFER
LifeGreen Savings Account – Up to $100 Annual Savings Bonus - Learn More

Read Regions Bank Review

 

Benefits and Features

Savings0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.
0.01% APY
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 3.00% APY - 3.20% APY. Terms of 11, 17, and 25 months. Minimum deposit of $1,000. Maximum deposit $249,999.
3.00% APY - 3.25% APY
Checking
Smartly Checking
 
Money Market0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
0.01% APY
Customer Service24/7 Live Customer Service (Telephone)24/7 Telephone Customer Service
ATMsMore than 4,700 ATMs across the countryMore than 1900 ATMs in 15 Southern and Midwestern US states.
IRA CD 
Check
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
0.01% APY
LocationsMore than 3000 branches across the country.More than 1500 branches in 16 Southern and Midwestern US states.
 

CreditDonkey® Reviews

 US Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
CDStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Pros:
  • $50 to open checking account
  • Relationship Rewards program
  • LifeGreen Savings annual bonus
Cons:
  • No free checking option
  • Limited branches
  • Low savings APY
Bottom LineBig national bank with wide array of services and many account options... Read full reviewSouth and Midwest bank with special reward programs... Read full review
 Visit SiteLearn More

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 11/9/2022 based on 91107 zip code.

Regions Bank: Pricing information from published website as of 03/9/2022 based on 35203 zip code.

US Bank
Member FDIC

U.S. Bank Smartly™ Checking - $300 Bonus

Earn $300 when you open a new eligible U.S. Bank Smartly™ checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through December 19, 2022. Member FDIC. Complete these steps within 60 days of opening your new Bank Smartly™ checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App
  • Complete two or more direct deposits of $5,000 or more to earn $300
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires 12/19/2022
US Bank
Member FDIC

Silver Business Checking Package - $400 Bonus

Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC. Complete these steps to earn the offer:
  • Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
  • Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
  • Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
Expires 1/9/2023
US Bank
Member FDIC

Gold Business Checking Package - $400 Bonus

Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC. Complete these steps to earn the offer:
  • Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
  • Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
  • Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
Expires 1/9/2023

Which is Better: US Bank or Regions Bank?

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.

In short: US Bank's customer service and mobile app are notable. Regions Bank's savings is notable.


Articles on US Bank

US Bank Review

U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?

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 Regions Bank

Regions Bank Review

Regions Bank offers a variety of deposit products, easy account opening requirements, and special reward programs. Read on to see if this bank is right for you.

Which Do You Think is Best?





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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.

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