Wells Fargo vs U.S. Bank

	Wells Fargo	U.S. Bank
	SPECIAL OFFER Everyday Checking Account - $325 Bonus Read Wells Fargo Review	SPECIAL OFFER U.S. Bank Smartly® Checking and Savings Account - $200 Bonus Read U.S. Bank Review
	Benefits and Features
Savings	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.	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 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.	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier 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.
Mobile App	iOS & Android	iOS & Android
ATMs	11,000+ ATMs across the country	4,700+ U.S. Bank ATMs across the country
Customer Service	Available 24 hours a day, 7 days a week.	24/7 Live Customer Service (Telephone)
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	approximately 4,100 retail banking branches coast to coast	2,000+ branches
	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	Read full review	Big national bank with wide array of services and many account options... 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. Wells Fargo: Pricing information from the published website as of 06/15/2026 is based on the 91101 zip code. U.S. Bank: Pricing information from published website as of 06/03/2026 based on 91107 zip code.

Articles on Wells Fargo

Wells Fargo Bank Review

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Articles on U.S. Bank

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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.