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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 2,900 branches across 27 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, reviews, pros and cons.

 U.S. Bank
Member FDIC
Wells Fargo
Member FDIC
 Learn MoreLearn More
 

U.S. Bank

Wells Fargo

SPECIAL OFFER
U.S. Bank Business Essentials - $500 Bonus

Read U.S. Bank Review

SPECIAL OFFER
Personal Checking Account - $125 Bonus

Read Wells Fargo Review

 

Benefits and Features

SavingsBank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking or Safe Debit account, 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.
CDStandard 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: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% 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 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. 
Mobile App
iOS & Android
iOS & Android
ATMs4,700+ U.S. Bank ATMs across the country11,000+ ATMs across the country
Customer Service24/7 Live Customer Service (Telephone)Available 24 hours a day, 7 days a week.
IRA CD Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. 
Locations
2,900+ branches
approximately 4,100 retail banking branches coast to coast
 

CreditDonkey® Reviews

 U.S. BankWells Fargo
SavingsStarStarStarEmpty StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
CDStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Money MarketStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Customer ServiceStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low standard savings APY
Pros:
  • Low requirements for Everyday Checking
  • Full service bank
  • 24/7 customer service
Cons:
  • Low savings rates
  • Not in all states
Bottom LineBig national bank with wide array of services and many account options... Read full reviewA "big 4" bank with a good range of checking accounts and full services... Read full review
 Learn MoreLearn More

      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 04/11/2025 based on 91107 zip code.

      Wells Fargo: Pricing information from the published website as of 04/17/2025 is based on the 91101 zip code.

      U.S. Bank
      Member FDIC

      U.S. Bank Business Essentials - $500 Bonus

      Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

      Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials or Silver Business Checking account between 4/3/2025 and 6/30/2025. 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. You must also complete 5 qualifying transactions within 60 days of account opening.

      Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

      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. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. 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.

      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. These documents 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 6/30/2025
      U.S. Bank
      Member FDIC

      U.S. Bank Platinum Business Checking - $900 Bonus

      Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one 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 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

      Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

      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. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. 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.

      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. These documents 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 6/30/2025
      U.S. Bank
      Member FDIC

      U.S. Bank Payment Solutions - Earn up to $1,000 in 3 months

      Earn up to $1,000 in statement credits over 3 months when you open a new U.S. Bank Payment Solutions account and complete qualifying activities. Member FDIC.

      Offer:

      • Open, and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by June 30, 2025.
      • Keep the approved account in an open status and be actively accepting and settling card payments at thee time the statement credit is issued.
      • Get merchant fees refunded up to $1,000 over three months
      Expires 6/30/2025

      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 Chase.

      In short: Wells Fargo's checking is worth mentioning.


      Articles on U.S. Bank

      U.S. Bank Review

      Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

      U.S. Bank Savings Account Interest Rate

      U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

      Who Owns U.S. 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.

      U.S. 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.

      U.S. 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.

      Chase vs U.S. Bank Business Account

      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.

      U.S. Bank Business Checking Account

      Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

      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.

      Articles on Wells Fargo

      Wells Fargo Bank Review

      Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

      Wells Fargo Checking Account Bonus

      Wells Fargo may offer a cash bonus when you open a checking account. Read on to learn more.

      Wells Fargo High Yield Savings Review

      Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.

      Wells Fargo Bank CD Rates

      Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.

      Wells Fargo Bank Hours

      Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

      Wells Fargo Routing Number

      Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

      Which Do You Think is Best?


      Which Bank Account is Right for You?


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