U.S. Bank

Large US retail bank with branches across the Midwest and West and a full-featured mobile app.

Free plan + paidMobile banking apps

Updated Nov 8, 2026 · AppBreakup editorial · Web, iOS, Android

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Is U.S. Bank free?

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Citi
Starting price: $5 a month (Access Checking, waivable)
Capital One
Free
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Chase
Total Checking plan: $15 a month, or $0 with qualifying deposits or balance

Verified facts: 7 of 7
Alternatives ranked: 4
Approved reviews: 0
Visits sent from here: 0

About U.S. Bank

U.S. Bank is the fifth-largest commercial bank in the US by assets and runs thousands of branches, mainly across the Midwest and West. Its main everyday account, Bank Smartly Checking, has a monthly maintenance fee that is waived for the first two statements and afterwards if you meet conditions such as a minimum balance, a qualifying credit card, or being aged 13 to 24 or 65 and over. There is also a lower-cost Safe Debit account with no overdrafts. Customers get thousands of no-fee U.S. Bank ATMs, Zelle transfers, an overdraft fee forgiveness programme and Smart Rewards perks that grow with balances. The mobile app covers deposits, bill pay, card controls and budgeting tools, and the bank also offers credit cards, mortgages and investing. It suits people who want a traditional bank with local branches and an app that covers most daily needs. Fees and waiver rules are more complex than at fee-free online banks.

Best for: People in the Midwest and West who want a branch bank with a capable app.

U.S. Bank pricing (checked Nov 8, 2026)

Each line is quoted from U.S. Bank's own site, with the page it came from.

Plan or term	What it says	Checked	Source
Monthly fee	$12 (waivable)	Nov 8, 2026	usbank.com
Minimum opening deposit	$25	Nov 8, 2026	usbank.com
Monthly maintenance fee	$12 a month (Bank Smartly Checking), waivable	Nov 8, 2026	usbank.com
Fee waiver	$1,500 average balance or $1,500+ monthly direct deposits	Nov 8, 2026	usbank.com
Savings account fee	$5 a month (Bank Smartly Savings), waivable	Nov 8, 2026	usbank.com

What works

Large branch and ATM network in its regions
Several ways to waive the monthly fee
Overdraft fee forgiveness programme
Teen and young-adult accounts with no monthly fee

Why people leave

Monthly maintenance fee if you don't qualify for a waiver
Few branches on the East Coast
$25 minimum deposit to open checking

U.S. Bank vs Citi, Capital One and Chase

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

Attribute	U.S. Bank	Citi	Capital One	Chase
Pricing	Free plan + paid	Free plan + paid	Free	Free plan + paid
Verified price	—	$5 a month (Access Checking, waivable)	—	$15 a month, or $0 with qualifying deposits or balance
Free plan	Yes	Yes	Free app	Yes
Open source	No	No	No	No
Self-hostable	No	No	No	No
Platforms	Web, iOS, Android	Web, iOS, Android	Web, iOS, Android	iOS, Android, Web

Full U.S. Bank vs Capital One comparison

Top U.S. Bank alternatives

See all 4

1
Citi
Another big national bank, with no overdraft fees and a wider credit card range.
68.8
2
Capital One
No monthly fee or minimum on checking, with branches and cafés in some areas.
64.8
3
Chase
The largest US bank, with more branches and ATMs nationwide and a widely used rewards card lineup.
57.5
4
Chime
Fee-free app account with early direct deposit, for simple everyday spending.
57.2

Why people left U.S. Bank

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

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U.S. Bank: common questions

What is U.S. Bank?

U.S. Bank: Large US retail bank with branches across the Midwest and West and a full-featured mobile app. Best for people in the Midwest and West who want a branch bank with a capable app. Available for Web, iOS and Android.

Is U.S. Bank free?

U.S. Bank has a free plan and paid plans.

How much does U.S. Bank cost?

U.S. Bank is free with paid plans. Monthly fee: $12 (waivable); Minimum opening deposit: $25; Monthly maintenance fee: $12 a month (Bank Smartly Checking), waivable; Fee waiver: $1,500 average balance or $1,500+ monthly direct deposits. Checked on U.S. Bank's own site, November 2026.

Is U.S. Bank open source?

No, U.S. Bank is not open source.

What platforms does U.S. Bank run on?

U.S. Bank is available for Web, iOS and Android.

What are the best alternatives to U.S. Bank?

The highest-ranked U.S. Bank alternatives right now are Citi, Capital One and Chase. See the full ranked list for pricing, platforms and verified facts.

U.S. Bank vs Citi: what's the difference?

Both U.S. Bank and Citi are free with paid plans. Both run on Web, iOS and Android.

See all 4 U.S. Bank alternatives

U.S. Bank facts

7 of 7 verified

Monthly fee: $12 (waivable); Checked Nov 8, 2026usbank.com(opens source in a new tab); “Bank Smartly Checking accounts, the $12 Monthly Maintenance Fee is waived for the first two statement periods.”
Minimum opening deposit: $25; Checked Nov 8, 2026usbank.com(opens source in a new tab); “The minimum deposit to open an account is $25.”
No-fee ATMs: 4,000+; Checked Nov 8, 2026usbank.com(opens source in a new tab); “4,000+ no-fee U.S. Bank ATMs”
Zelle: Yes; Checked Nov 8, 2026usbank.com(opens source in a new tab); “Bank ATMs 7 8 Zero fraud liability 10 Zelle® to send or receive money fast”
Monthly maintenance fee: $12 a month (Bank Smartly Checking), waivable; Checked Nov 8, 2026usbank.com(opens source in a new tab); “Bank Smartly Checking accounts, the $12 Monthly Maintenance Fee is waived for the first two statement periods.”
Fee waiver: $1,500 average balance or $1,500+ monthly direct deposits; Checked Nov 8, 2026usbank.com(opens source in a new tab); “Extend waivers with any one of the following: Average account balance is $1,500 or greater 2 Combined monthly direct deposits total $1,500+ Own or open a U.S.”
Savings account fee: $5 a month (Bank Smartly Savings), waivable; Checked Nov 8, 2026usbank.com(opens source in a new tab); “Bank Smartly Savings account Monthly Maintenance Fee: The $5 monthly maintenance fee is waived”