U.S. Bank ranks as a standard option when compared to the best banks. Business Insider's personal finance team found that it's a good choice if you want a brick-and-mortar bank with 24/7 live support.

Most notably, U.S. Bank is one of the best mortgage lenders for first-time buyers. It offers a variety of lending options. It also has the American Dream Loan is a strong option for student loan borrowers looking to buy their first home.

The bank also has a variety of credit card and loan options, so it may be worthwhile if you're goal is to establish relationship banking with one financial institution.

Its bank accounts may be appealing if you want options with low minimum opening deposits, but they won't be the best fit if you don't want to deal with bank fees. There are banks and credit unions that don't charge any monthly service fees or overdraft fees that will likely be more appropriate.

U.S. Bank has more than 2,000 branches across 26 states. Branch locations are available in: 

The bank offers 4,500 U.S. Bank ATMs throughout the United States. It's also part of the MoneyPass ATM Network, which provides access to over 37,000 ATMs.

It is FDIC-insured. Up to $250,000 is protected in an individual account, and $500,000 is secure in a joint bank account.

U.S. Bank also recently launched the U.S. Bank Smartly™ Visa Signature® Card .

U.S. Bank's digital banking and technology have mixed customer satisfaction ratings. According to two 2024 J.D. Power studies, U.S. Bank was ranked below the study average for both online banking and mobile banking. 

However, it has strong mobile app ratings in the Google Play and Apple Store. It has 4.7 out of 5 stars with over 445,000 reviews in the Google Play store and 4.8 out of 5 stars based on 1.8 million ratings in the Apple store. 

The U.S. mobile app lets you perform everyday transactions. You can send money through Zelle, deposit mobile checks, and transfer funds between bank accounts. You'll also be able to check your credit score for free.

U.S. Bank's website immediately directs you to an FAQ page that addresses the most common topics customers have questions about.

U.S. Bank customer service can be reached by calling or scheduling an appointment with a banker at a branch. Support for general banking is available 24/7. For customer support on specific services, like home loans or credit cards, the hours vary — representatives are typically available Monday through Friday during traditional banking hours, and limited hours on Saturdays.

U.S. Bank charges monthly service fees on checking, savings, and money market accounts. You can waive monthly service fees on most accounts if you meet certain age requirements or fufill certain activities each month. 

Most U.S. Bank accounts also have overdraft fees, out-of-network ATM fees, and dormant account fees you'll need to be mindful of. 

U.S. Bank offers free overdraft protection. You can link a bank account, and there are no fees when money is transferred to cover an overdraft.

Something to keep in mind is that the best online banks have bank accounts with no monthly service fees or overdraft fees. You may prefer one of these banks if your goal is to avoid these fees entirely.

The U.S. Bank Smartly® Savings Account pays up to 3.50% APY, but it can pay as low as 0.05% APY if you don't meet its requirements. To earn the highest rate, you'll need to have either a U.S. Bank Smartly® Checking or a U.S. Bank Safe Debit Account, or apply for the U.S. Bank Smartly™ Visa Signature® Card, and you'll need to have at least $100,000 across eligible accounts.

The U.S. Bank Elite Money Market Account pays 0.01% to 3.25% (varies by location) APY — the interest rate may vary depending on where you live and how much money you maintain in your account. To earn the highest APY on the U.S. Bank Elite Money Market Account, you'll need to keep $50,000 or more in your account daily.

A U.S. Bank Personal Loan has a rate between 7.99% to 24.99% APR.