U.S. Bank vs Wells Fargo

U.S. Bank is a big national bank with wide array of services and many account options. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with approximately 4,100 locations and more than 11,000 ATMs. Offers many checking options, including Everyday Checking and Clear Access Banking for those who have financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

Compare U.S. Bank with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings and reviews.

	U.S. Bank	Wells Fargo
	SPECIAL OFFER U.S. Bank Platinum Business Checking - $1,200 Bonus Read U.S. Bank Review	SPECIAL OFFER Everyday Checking Account - $325 Bonus Read Wells Fargo 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.	0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.
CD	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.	Standard Fixed Term CD available online: 0.05% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 0.06% to 1.51% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.
Checking	Smartly Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier 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.
Mobile App	iOS & Android	iOS & Android
ATMs	4,700+ U.S. Bank ATMs across the country	11,000+ ATMs across the country
Customer Service	24/7 Live Customer Service (Telephone)	Available 24 hours a day, 7 days a week.
IRA CD		Standard Term CD: 0.01% to 2.25% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.27% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
IRA Money Market	Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	2,000+ branches	approximately 4,100 retail banking branches coast to coast
	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 standard savings APY
Bottom Line	Big national bank with wide array of services and many account options... Read full review	Read full review

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 04/28/2026 based on 91107 zip code. Wells Fargo: Pricing information from the published website as of 04/28/2026 is based on the 91101 zip code.

Which is Better: U.S. Bank or Wells Fargo?

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.

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