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Wells Fargo vs. U.S. Bank Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Online Banking

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Personal Loans

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Online Banking

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Online Banking drop-down-btn
Good For
A Reliable & Convenient Banking Partner
Good For
Solid Bank for Businesses
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
Account types
  • Checking
  • Savings
  • Business Checking
  • Business Savings
Pros
  • Many personal and small business checking accounts and savings accounts
  • Wealth management and investment services available
  • Transparent yields, requirements, and fees
Pros
  • Offers competitive APYs
  • A good selection of account options
  • Low minimum balance requirements
  • Monthly fees are usually avoidable
Cons
  • cons May need a high daily minimum balance to avoid maintenance service fees
  • cons Accounts may come with additional fees, such as out-of-network fees
  • cons Lower than average APY compared to digital-only banks
Cons
  • cons High barrier to accessing good APYs
  • cons Most accounts carry monthly fees
Min Deposit
$25
Min Deposit
$25
Min APY Checking
0
Min APY Checking
0.01
Min APY Savings
0.15
Min APY Savings
0.01
ATM Network
12,000 Wells Fargo ATMs
ATM Network
40,000+
Overdraft fees
$35
Overdraft fees
Maintenance Fee
$5
Maintenance Fee
$7
Personal Loans drop-down-btn
Good For
Members Can Borrow <$50,000
Min Credit Score
660
APR

8.24-21.49%

Loan Amount

$1K-$50K

Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Co-singer / Joint loans
Loan Purpose
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Vacation
  • Other
Repayment terms
12-84 months
Soft Credit Pull
Yes
Pros
  • Transparent loan terms, rates, and eligibility requirements
  • Funds can be used for nearly any purpose
  • May qualify for up to $25,000 or $50,000, depending on credit score
  • Interest rate discount for automatic payments
  • No hidden fees
Cons
  • cons U.S. Bank does not pay creditors directly with debt consolidation loans
  • cons Non-members may not qualify for the highest loan amounts
  • cons Loans not available in all states
Not provided

Service isn't provided

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