U.S. Bank Savings Account Review: Rates, Benefits, and Insights

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"U.S. Bank Savings Account Review: Rates, Benefits, and Insights","alternativeHeadline":"U.S. Bank Savings Account Review: Rates, Benefits, and How It Compares","image":{"@type":"ImageObject","url":"https://i.insider.com/63d2b24db1f17f001805cd28?width=1200&format=jpeg","width":1200,"height":900,"caption":"U.S. Bank has more than 2,000 branches across 26 states."},"name":"U.S. Bank Savings Account Review: Rates, Benefits, and How It Compares","datePublished":"2025-01-31T19:35:31Z","dateModified":"2025-01-31T19:35:31Z","description":"Our U.S. Bank savings account review analyzes features and interest rates of the U.S. Bank Smartly Savings.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.Business Insider's personal finance team compared U.S. Bank savings accounts to the best high-yield savings accounts and found them to be standard offerings.They're decent traditional banking options if you qualify to waive monthly service fees or can obtain a relationship rate, but it isn't the best choice for a high interest rate. The best online banks generally have more straightforward options for high-yield savings accounts.U.S. Bank is an adequate choice if you live in the Midwest or West. The bank's brick-and-mortar locations are mainly clustered around these states.$5 monthly service feeup to 3.50%$25U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options.Below, you'll find more information on the U.S. Bank savings account interest rate:The U.S. Bank Smartly® Savings Account pays a tiered interest rate, meaning you'll earn a higher interest rate on higher account balances. The account pays 0.05% APY if you open the account by itself. If you have U.S. Bank Smartly Checking or a U.S. Safe Debit Account or apply for the U.S. Bank Smartly Visa Signature Card, you can earn up to 3.50% APY, depending on your combined qualify balance.U.S. Bank has over 2,000 branches in 26 states. There are locations in Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, and Wyoming.If you get a U.S. Bank Smartly® Savings Account and qualify for a relationship rate, you can obtain a rate that's better than the national average and potentially on par with online high-yield savings accounts.To qualify for a relationship rate, you'll need to have U.S. Bank Smartly Checking or a U.S. Safe Debit Account, or apply for the U.S. Bank Smartly Visa Signature Card. Your exact rate will also depend on your account balance.The U.S. Bank Smartly® Savings Account offers a relationship rate of 2.00% to 3.50% APY, and to earn the highest APY you'll need to have a combined qualifying balance of $25,000 or more. For example, if you had $20,000 in the U.S. Bank Smartly® Savings Account and $5,000 in U.S. Bank Smartly® Checking you could qualify for the highest relationship rate.The U.S. Bank Smartly® Savings Account has a $5 monthly service fee. The monthly service fee is waived if you have U.S. Bank Smartly Checking or a U.S. Safe Debit Account. If you open a joint account with a minor, the fee is also waived.U.S. Bank has received 4.7 out of 5 stars with over 420,000 reviews in the Google Play store and 4.8 out of 5 stars based on 1.6 million ratings in the Apple store.U.S. Bank offers 24/7 banking customer support by phone. You can also make an appointment online to speak with a banker in person.The Better Business Bureau rates businesses on how they handle customer issues and whether they have transparent business practices.The BBB gives U.S. Bank a B rating because of government action against the bank.In 2022, U.S. Bank paid $37.5 million in a settlement with the Consumer Financial Protection Bureau. The CFPB accused the bank of obtaining customers' credit reports and opening checking accounts, savings accounts, credit cards, and lines of credit without their knowledge.U.S. Bank savings accounts can be opened online or at a branch. When applying for the account, make sure to have a valid government ID handy, like your driver's license or passport. This will be used to verify your identity. You'll also need to provide your Social Security number, date of birth, address, and other personal details.One way to maximize your savings is to select the right bank account for your needs. This is particularly important at U.S. Bank because some accounts offer more competitive rates than others.U.S. Bank also has the U.S. Bank Elite Money Market Account and various CDs.The U.S. Bank Elite Money Market Account pays 0.01% to 3.25% (varies by location) APY. The bank also has several types of CDs to choose from. U.S. Bank CD rates are low overall, with the exception of its CD Special terms, which pay 3.20% to 4.00% (Varies by location) APY.The best place for your money will depend on your goals, how much money you plan to maintain in the account, and how soon you'll need to access your money. Also, keep in mind that U.S. Bank account options vary by location.U.S. Bank charges a monthly bank maintenance fee on its savings account. You can waive the fee if you are in a specific age group or meet certain requirements.U.S. Bank may also charge overdraft fees, non-U.S. Bank ATM fees, and dormant account fees.At Business Insider, we use our bank account methodology to rate bank products and services. We use a scale of one to five stars to rate bank accounts. When we rated the U.S. Bank Smartly Savings, we looked at minimum opening deposit requirements, monthly service fees, miscellaneous features, and interest rates. We also consider the overall banking experience, examining customer support availability, mobile app ratings, security, and ethics.Featured Nationally Available High-Yield Savings AccountOpen a new bank account or cash management account and earn best-in-class rates.Chase Savings offers more ways to waive the monthly service. To waive the $5 monthly service fee with Chase, you must fulfill one of the following requirements: maintain an average daily balance of $300 or more, have a repeating automatic transfer of $25 or more from a Chase checking account, or link a qualifying Chase checking account. The fee will also automatically be waived for anyone under the age of 18.U.S. Bank and Chase savings rates are both low unless you qualify for a relationship rate with U.S. Bank Smartly® Savings Account. You'll likely still be better off with an online bank for a high yield since many offer high-yield savings accounts with easier interest-earning requirements.Chase Bank ReviewDeciding between U.S. Bank and Citi savings accounts could depend on where you live. Citi savings rates vary pretty widely by state because it has two different savings accounts, one for online customers and another for traditional banking customers.Citi has branches in California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey, New York, South Dakota, Virginia, and Washington, DC. In these states, you'll need to open Citi® Savings which pays up to 1.20% (vary by location) APY. If you live in a state that doesn't have branches, you're eligible for Citi® Accelerate Savings which offers 4.35% (vary by location) APY.Citi may be a better option than U.S. Bank if you live in a state that offers Citi® Accelerate Savings because it doesn't have interest rate requirements like the U.S. Bank Smartly® Savings Account. If you live in a state that only offers Citi® Savings though, it could be a toss-up between the two banks. The U.S. Bank Smartly® Savings Account is a more appealing interest-earning option for people who maintain a high account balance and obtain a relationship rate. However, if you don't qualify, Citi® Savings could still be worthwhile because of its promotional offer that allows you to earn a blended APY of up to up to 1.20% (vary by location) after making a $25,000 new money deposit.Also, consider monthly service fees before making a decision. Citi and U.S. Bank charge similar monthly service fees on savings accounts, but Citi offers more ways to waive them. The monthly bank maintenance fee is waived at Citi during the first three months after account opening. You can also waive the monthly service fee if you qualify for a Relationship Tier, maintain an average daily balance of $500 or more, or own an eligible Citi checking account.Citibank ReviewA U.S. Bank savings account is best for people who live in the Midwest or West and can take advantage of the bank's robust branch and ATM network. It may be worthwhile if you qualify for a relationship rate with the U.S. Bank Smartly® Savings Account and can maintain a combined account balance of $25,000 or more. By doing so, you can obtain the best U.S. Bank savings account interest rate and also waive monthly service fees.Keep in mind that online high-yield savings accounts pay similar or higher rates than the U.S. Bank Smartly® Savings Account. If you don't want to deal with the hassle of keeping certain a balance or opening an eligible product alongside your savings account, you might prefer an online bank to U.S. Bank.U.S. Bank offers savings accounts, money market accounts, traditional CDs, promotional CDs, trade-up CDs (a rate increase can be requested), and a step-up CD (the rate increases every seven months).U.S. Bank savings accounts have monthly service fees, although there are ways to waive these fees. U.S. Bank may also charge overdraft fees, non-U.S. Bank ATM fees, and dormant account fees.The U.S. Bank savings account interest rate is less competitive than average savings accounts at other banks and credit unions unless you qualify for a relationship rate with U.S. Bank Smartly® Savings Account. The best online banks are still more suitable options for a high savings rate, though.You are eligible to open a U.S. Bank savings account at a branch if you live in Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, or Wyoming. You can also apply for a savings account online, but your eligibility may vary depending on your ZIP code.You can maximize your savings with a U.S. Bank account by choosing the right type of savings account for your needs and managing your account so you can reach your savings goals. For example, if you don't need to access your money for a while, you might like a U.S. Bank CD over the bank's savings account to earn a fixed interest amount.","articleSection":"Personal Finance, Banking, Savings","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What types of savings accounts does U.S. Bank offer?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">U.S. Bank offers savings accounts, money market accounts, traditional CDs, promotional CDs, trade-up CDs (a rate increase can be requested), and a <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/step-up-cd\" data-analytics-product-module=\"body_link\" rel=\"\">step-up CD</a> (the rate increases every seven months).</p>"}},{"@type":"Question","name":"Are there any fees associated with U.S. Bank savings accounts?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">U.S. Bank savings accounts have monthly service fees, although there are ways to waive these fees. U.S. Bank may also charge <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/overdraft-fees-what-banks-charge\" data-analytics-product-module=\"body_link\" rel=\"\">overdraft fees</a>, non-U.S. Bank ATM fees, and dormant account fees.</p>"}},{"@type":"Question","name":"How competitive are U.S. Bank's interest rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The U.S. Bank savings account interest rate is less competitive than average savings accounts at other banks and <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/best-credit-unions\" data-analytics-product-module=\"body_link\" rel=\"\">credit unions</a> unless you qualify for a relationship rate with U.S. Bank Smartly® Savings Account. 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For example, if you don't need to access your money for a while, you might like a U.S. Bank CD over the bank's savings account to earn a fixed interest amount.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"U.S. Bank Smartly® Savings Account","image":"https://i.insider.com/64fb2f35a39a1b00190bba5a?width=400","brand":"U.S. Bank","url":"https://www.businessinsider.com/personal-finance/banking/us-bank-savings-account-rates#66da11deac14b3f3a550bdf6","review":[{"@type":"Review","author":[{"@type":"Person","name":"Sophia Acevedo","sameAs":"https://www.businessinsider.com/author/sophia-acevedo"},{"@type":"Person","name":"Evelyn 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byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/sophia-acevedo" >Sophia Acevedo</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2025-01-31T19:35:31Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-01-31T19:35:31Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="legacy-share" data-load-strategy="interaction" data-location="" > <div class="share-button-dropdown-wrapper"> <button 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page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#overview" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overview </a> </li> <li> <a href="#u.s.-bank-savings-rate" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > U.S. Bank Savings Rate </a> </li> <li> <a href="#key-features-and-benefits" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Key Features and Benefits </a> </li> <li> <a href="#opening-an-account" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Opening an Account </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#how-u.s.-bank-savings-compares" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How U.S. Bank Savings Compares </a> </li> <li> <a href="#is-a-u.s.-bank-savings-account-right-for-you?" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is a U.S. Bank Savings Account Right For You? </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>Business Insider's personal finance team compared U.S. Bank savings accounts to the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-analytics-product-module="body_link" rel="">best high-yield savings accounts</a> and found them to be standard offerings.</p><p>They're decent traditional banking options if you qualify to waive monthly service fees or can obtain a relationship rate, but it isn't the best choice for a high interest rate. The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-online-banks" data-analytics-product-module="body_link" rel="">best online banks</a> generally have more straightforward options for high-yield savings accounts.</p><h2 id="overview" data-toc-id="5005954a-0fae-46f2-b828-00c70bb34643" data-toc-label="Overview" class="toc-anchor">U.S. Bank Savings Account Overview</h2><p>U.S. Bank is an adequate choice if you live in the Midwest or West. The bank's brick-and-mortar locations are mainly clustered around these states.</p> <div id="u.s.-bank-smartly®-savings-account" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">U.S. Bank Smartly® Savings Account</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/64fb2f35a39a1b00190bba5a?width=400" alt="U.S. Bank U.S. Bank Smartly® Savings Account"> <noscript> <img class="no-script" src="https://i.insider.com/64fb2f35a39a1b00190bba5a?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="66da11deac14b3f3a550bdf6-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9358014489237736"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9358014489237736)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.752754655732031"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.752754655732031)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6829186091053916"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6829186091053916)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5263994823425031"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5263994823425031)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7740921891439649"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7740921891439649)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5 monthly service fee</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Percentage Yield (APY) </strong> </div> <p class="financial-product-card__specs__text headline-regular">up to 3.50%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Opening Deposit </strong> </div> <p class="financial-product-card__specs__text headline-regular">$25</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="66da11deac14b3f3a550bdf6" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Smartly® Savings Account" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Good APY if you qualify for a relationship rate</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>$25 minimum opening deposit</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Interest compounded daily</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Low APY if you don’t qualify for a relationship rate</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>$5 monthly service fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options.</p> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Over 2,000 branches in 26 states</li> <li class="financial-product-card__product-details__list-item">Earn a relationship rate when you have U.S. Bank Smartly Checking or U.S. Safe Debit Account, or apply for the U.S. Bank Smartly Visa Signature Card</li> <li class="financial-product-card__product-details__list-item">Interest is compounded daily and paid monthly</li> <li class="financial-product-card__product-details__list-item">To waive the $5 monthly service fee, you must be under the age of 18 or have a U.S. Bank Smartly Checking or U.S. Safe Debit Account</li> <li class="financial-product-card__product-details__list-item">FDIC insured</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="66da11deac14b3f3a550bdf6" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Smartly® Savings Account" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="u.s.-bank-savings-rate" data-toc-id="47151262-4e2e-4a5d-afcf-54aed62dd575" data-toc-label="U.S. Bank Savings Rate" class="toc-anchor">U.S. Bank Savings Rate</h2><p>Below, you'll find more information on the U.S. Bank savings account interest rate:</p><ul><li>U.S. Bank Smartly® Savings Account: up to 3.50% APY</li></ul><p>The U.S. Bank Smartly® Savings Account pays a tiered interest rate, meaning you'll earn a higher interest rate on higher account balances. The account pays 0.05% APY if you open the account by itself. If you have U.S. Bank Smartly Checking or a U.S. Safe Debit Account or apply for the U.S. Bank Smartly Visa Signature Card, you can earn up to 3.50% APY, depending on your combined qualify balance.</p><h2 id="key-features-and-benefits" data-toc-id="0fdd761d-e24b-45dc-a94b-7e28d4f3ca06" data-toc-label="Key Features and Benefits" class="toc-anchor">U.S. Bank Savings Account Key Features and Benefits</h2><h3 id="8905b5be-7460-40c3-96c1-cb4b97ccaac5" data-toc-id="8905b5be-7460-40c3-96c1-cb4b97ccaac5">U.S. Bank National Branch Accessibility</h3><p>U.S. Bank has over 2,000 branches in 26 states. There are locations in Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, and Wyoming.</p><h3 id="04cdf858-787d-487c-aeab-a389979dc5f1" data-toc-id="04cdf858-787d-487c-aeab-a389979dc5f1">Current U.S. Bank Savings Rate and How It Compares</h3><p>If you get a U.S. Bank Smartly® Savings Account and qualify for a relationship rate, you can obtain a rate that's better than the national average and potentially on par with online high-yield savings accounts.</p><p>To qualify for a relationship rate, you'll need to have U.S. Bank Smartly Checking or a U.S. Safe Debit Account, or apply for the U.S. Bank Smartly Visa Signature Card. Your exact rate will also depend on your account balance.</p><p>The U.S. Bank Smartly® Savings Account offers a relationship rate of 2.00% to 3.50% APY, and to earn the highest APY you'll need to have a combined qualifying balance of $25,000 or more. For example, if you had $20,000 in the U.S. Bank Smartly® Savings Account and $5,000 in <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="body_link" data-analytics-product-id="612f960a94718c0011db4d30" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Smartly® Checking" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71401-20&h=388f7a756bbadd65b69e3196889efd266a4d6d2188c987be3e97334091828d60&platform=browser&postID=669ef49bc87a0f57098f9cf9&postSlug=personal-finance%2Fbanking%2Fus-bank-savings-account-rates&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26686005" data-am-orig-url="https://affiliate.insider.com/?h=388f7a756bbadd65b69e3196889efd266a4d6d2188c987be3e97334091828d60&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26686005">U.S. Bank Smartly® Checking</a> you could qualify for the highest relationship rate.</p><h3 id="cf25400a-3618-4bcc-9385-44c06a6f5d33" data-toc-id="cf25400a-3618-4bcc-9385-44c06a6f5d33">U.S. Bank Savings Account Monthly Service Fee</h3><p>The U.S. Bank Smartly® Savings Account has a $5 monthly service fee. The monthly service fee is waived if you have U.S. Bank Smartly Checking or a U.S. Safe Debit Account. If you open a joint account with a minor, the fee is also waived.</p><h3 id="47ac11a5-ecfd-44ed-8606-5177c9f45756" data-toc-id="47ac11a5-ecfd-44ed-8606-5177c9f45756">U.S. Bank Online and Mobile Banking Access</h3><p>U.S. Bank has received 4.7 out of 5 stars with over 420,000 reviews in the Google Play store and 4.8 out of 5 stars based on 1.6 million ratings in the Apple store.</p><h3 id="03ba3512-7a52-461f-9a52-bf69129762b0" data-toc-id="03ba3512-7a52-461f-9a52-bf69129762b0">U.S. Bank Customer Service and Support</h3><p>U.S. Bank offers <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/banks-with-24-7-customer-support" data-analytics-product-module="body_link" rel="">24/7 banking customer support</a> by phone. You can also make an appointment online to speak with a banker in person.</p><p>The Better Business Bureau rates businesses on how they handle customer issues and whether they have transparent business practices.</p><p>The BBB gives U.S. Bank a <a target="_blank" rel="noopener nofollow" href="https://www.bbb.org/us/mn/minneapolis/profile/bank/us-bank-0704-407" data-analytics-product-module="body_link">B rating</a> because of government action against the bank.</p><p>In 2022, U.S. Bank paid <a target="_blank" rel="noopener nofollow" href="https://www.bbb.org/us/mn/minneapolis/profile/bank/us-bank-0704-407" data-analytics-product-module="body_link">$37.5 million in a settlement</a> with the Consumer Financial Protection Bureau. The CFPB accused the bank of obtaining customers' credit reports and opening checking accounts, savings accounts, credit cards, and lines of credit without their knowledge.</p><div id="2ae3aa05-020b-41e5-8d23-09043fbb8075" data-styles="default-width" data-embed-type="raw" data-script="https://www.moneylion.com/network/business-insider/calculators/web-component/savings-calculator/index.js" class="" data-type="embed"><script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20type%3D%22application%2Fjavascript%22%20src%3D%22https%3A%2F%2Fwww.moneylion.com%2Fnetwork%2Fbusiness-insider%2Fcalculators%2Fweb-component%2Fsavings-calculator%2Findex.js%22%3E%3C%2Fscript%3E" });</script><moneylion-savings-calculator></moneylion-savings-calculator></div><h2 id="opening-an-account" data-toc-id="6d679a30-4839-4fdc-bf10-769025c790b6" data-toc-label="Opening an Account" class="toc-anchor">Opening a U.S. Bank Savings Account</h2><h3 id="c8a7ef9a-ab94-4e58-9e8d-48360e3af9d2" data-toc-id="c8a7ef9a-ab94-4e58-9e8d-48360e3af9d2">Step-by-Step Guide to Opening a U.S. Bank Savings Account</h3><p>U.S. Bank savings accounts can be opened online or at a branch. When applying for the account, make sure to have a valid government ID handy, like your driver's license or passport. This will be used to verify your identity. You'll also need to provide your Social Security number, date of birth, address, and other personal details.</p><h2 id="3abecef4-5b86-4d73-8eca-01d8c63a1a69" data-toc-id="3abecef4-5b86-4d73-8eca-01d8c63a1a69" data-toc-label="Managing Your Account">Managing Your U.S. Bank Savings Account</h2><h3 id="535e8b3a-d566-4055-b0a6-9b82e9e3cc18" data-toc-id="535e8b3a-d566-4055-b0a6-9b82e9e3cc18">Tips for Maximizing Savings at U.S. Bank</h3><p>One way to maximize your savings is to select the right bank account for your needs. This is particularly important at U.S. Bank because some accounts offer more competitive rates than others.</p><p>U.S. Bank also has the <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61a1573847bbb80012f3a15f" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Elite Money Market Account" href="https://www.businessinsider.com/personal-finance/us-bank-mma-bridge">U.S. Bank Elite Money Market Account</a> and various CDs.</p><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61a1573847bbb80012f3a15f" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Elite Money Market Account" href="https://www.businessinsider.com/personal-finance/us-bank-mma-bridge">U.S. Bank Elite Money Market Account</a> pays 0.01% to 3.25% (varies by location) APY. The bank also has several types of CDs to choose from. <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/us-bank-cd-rates" data-analytics-product-module="body_link" rel="">U.S. Bank CD rates</a> are low overall, with the exception of its CD Special terms, which pay 3.20% to 4.00% (Varies by location) APY.</p><p>The best place for your money will depend on your goals, how much money you plan to maintain in the account, and how soon you'll need to access your money. Also, keep in mind that U.S. Bank account options vary by location.</p><h3 id="91bccb30-f8ba-47fc-ad17-a7b407b4f9cf" data-toc-id="91bccb30-f8ba-47fc-ad17-a7b407b4f9cf">Understanding U.S. Bank Fees and Charges</h3><p>U.S. Bank charges a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/monthly-bank-maintenance-fee" data-analytics-product-module="body_link" rel="">monthly bank maintenance fee</a> on its savings account. You can waive the fee if you are in a specific age group or meet certain requirements.</p><p>U.S. Bank may also charge overdraft fees, non-U.S. Bank <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bank-atm-fees" data-analytics-product-module="body_link" rel="">ATM fees</a>, and dormant account fees.</p><h2 id="why-you-should-trust-us" data-toc-id="62e02c6b-5085-4b76-80e3-7805e00e7ae2" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: How We Reviewed U.S. Bank Savings Accounts</h2><p>At Business Insider, we use our <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link">bank account methodology</a> to rate bank products and services. We use a scale of one to five stars to rate bank accounts. When we rated the  U.S. Bank Smartly Savings, we looked at minimum opening deposit requirements, monthly service fees, miscellaneous features, and interest rates. We also consider the overall banking experience, examining customer support availability, mobile app ratings, security, and ethics.</p><h2 id="how-u.s.-bank-savings-compares" data-toc-id="ae44052d-ebd9-4275-85bd-b6aaf1ff7f82" data-toc-label="How U.S. Bank Savings Compares" class="toc-anchor">U.S. Bank Savings Account Alternatives</h2> <aside class="quick-tip headline-regular ignore-typography"> <p><strong>Featured Nationally Available High-Yield Savings Account</strong></p><p>Open a new bank account or cash management account and earn best-in-class rates.</p><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold">Account Name</td><td class="headline-regular headline-semibold">APYs (Annual Percentage Yields) are accurate as of 02/13/2025</td><td class="headline-regular headline-semibold">Minimum Account Opening Balance</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d1991bd3f833fe53fa64" data-analytics-product-brand="Featured Savings Offer - Position 1" data-analytics-product-name="Featured Offer - LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a></td><td colspan="1" rowspan="1" class="headline-regular">up to 4.50%*</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d22a5baabf02d6c24941" data-analytics-product-brand="Featured Savings Offer - Position 2" data-analytics-product-name="Featured Offer - Valley National Bank High Yield Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/9624abd8-5cab-447a-8bc2-3744895113f3">Valley National Bank High Yield Savings Account</a></td><td colspan="1" rowspan="1" class="headline-regular">4.39%</td><td colspan="1" rowspan="1" class="headline-regular">$1</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e0d2511bd3f833fe53fa66" data-analytics-product-brand="Featured Savings Offer - Position 3" data-analytics-product-name="Featured Offer - Peak Bank Envision Savings Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71401-20&h=e6121ea4f0b845c602062b9ba84b4b1bc2ead6799a4584048b534d767ad4346c&platform=browser&postID=669ef49bc87a0f57098f9cf9&postSlug=personal-finance%2Fbanking%2Fus-bank-savings-account-rates&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Dpeak-hysa%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" data-am-orig-url="https://affiliate.insider.com/?h=e6121ea4f0b845c602062b9ba84b4b1bc2ead6799a4584048b534d767ad4346c&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Dpeak-hysa%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D">Peak Bank Envision Savings Account</a></td><td colspan="1" rowspan="1" class="headline-regular">up to 4.35%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e0d1e71bd3f833fe53fa65" data-analytics-product-brand="Featured Savings Offer - Position 4" data-analytics-product-name="Featured Offer - Forbright Growth Savings" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71401-20&h=7480572859f30be197db590101a3e61749d1c4f13050291df3dbdddd60d43679&platform=browser&postID=669ef49bc87a0f57098f9cf9&postSlug=personal-finance%2Fbanking%2Fus-bank-savings-account-rates&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Dforbright-bank%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" data-am-orig-url="https://affiliate.insider.com/?h=7480572859f30be197db590101a3e61749d1c4f13050291df3dbdddd60d43679&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Dforbright-bank%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D">Forbright Growth Savings</a></td><td colspan="1" rowspan="1" class="headline-regular">4.25%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr></tbody></table></div> </aside> <h3 id="bf7969cb-6873-4d05-95b0-d4696efeff34" data-toc-id="bf7969cb-6873-4d05-95b0-d4696efeff34"><strong>U.S. Bank Savings Account vs. Chase Savings Account</strong></h3><p>Chase Savings offers more ways to waive the monthly service. To waive the $5 monthly service fee with Chase, you must fulfill one of the following requirements: maintain an average daily balance of $300 or more, have a repeating automatic transfer of $25 or more from a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-checking-accounts-review" data-analytics-product-module="body_link" rel="">Chase checking account</a>, or link a qualifying Chase checking account. The fee will also automatically be waived for anyone under the age of 18.</p><p>U.S. Bank and <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-savings-review" data-analytics-product-module="body_link" rel="">Chase savings rates</a> are both low unless you qualify for a relationship rate with U.S. Bank Smartly® Savings Account. You'll likely still be better off with an online bank for a high yield since many offer high-yield savings accounts with easier interest-earning requirements.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-bank-review" data-analytics-product-module="body_link" rel=""><em>Chase Bank Review</em></a></p><h3 id="1f6db217-a5a3-43cf-b168-1c855d906329" data-toc-id="1f6db217-a5a3-43cf-b168-1c855d906329"><strong>U.S. Bank Savings Account vs. Citi Savings Account</strong></h3><p>Deciding between U.S. Bank and Citi savings accounts could depend on where you live. <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/citibank-savings-rates" data-analytics-product-module="body_link" rel="">Citi savings rates</a> vary pretty widely by state because it has two different savings accounts, one for online customers and another for traditional banking customers.</p><p>Citi has branches in California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey, New York, South Dakota, Virginia, and Washington, DC. In these states, you'll need to open <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5f173fa83f737077d6152e9c" data-analytics-product-brand="Citi®" data-analytics-product-name="Citi® Savings" href="https://www.businessinsider.com/citi-savings-bridge">Citi® Savings</a> which pays up to 1.20% (vary by location) APY. If you live in a state that doesn't have branches, you're eligible for <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5ee8e4773ad86106443cfec5" data-analytics-product-brand="Citi®" data-analytics-product-name="Citi® Accelerate Savings" href="https://www.businessinsider.com/personal-finance/banking/citibank-savings-rates">Citi® Accelerate Savings</a> which offers 4.35% (vary by location) APY.</p><p>Citi may be a better option than U.S. Bank if you live in a state that offers <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5ee8e4773ad86106443cfec5" data-analytics-product-brand="Citi®" data-analytics-product-name="Citi® Accelerate Savings" href="https://www.businessinsider.com/personal-finance/banking/citibank-savings-rates">Citi® Accelerate Savings</a> because it doesn't have interest rate requirements like the U.S. Bank Smartly® Savings Account. If you live in a state that only offers <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5f173fa83f737077d6152e9c" data-analytics-product-brand="Citi®" data-analytics-product-name="Citi® Savings" href="https://www.businessinsider.com/citi-savings-bridge">Citi® Savings</a> though, it could be a toss-up between the two banks. The U.S. Bank Smartly® Savings Account is a more appealing interest-earning option for people who maintain a high account balance and obtain a relationship rate. However, if you don't qualify, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5f173fa83f737077d6152e9c" data-analytics-product-brand="Citi®" data-analytics-product-name="Citi® Savings" href="https://www.businessinsider.com/citi-savings-bridge">Citi® Savings</a> could still be worthwhile because of its promotional offer that allows you to earn a blended APY of up to up to 1.20% (vary by location) after making a $25,000 new money deposit.</p><p>Also, consider monthly service fees before making a decision. Citi and U.S. Bank charge similar monthly service fees on savings accounts, but Citi offers more ways to waive them. The monthly bank maintenance fee is waived at Citi during the first three months after account opening. You can also waive the monthly service fee if you qualify for a Relationship Tier, maintain an average daily balance of $500 or more, or own an eligible Citi checking account.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/citibank-review" data-analytics-product-module="body_link" rel=""><em>Citibank Review</em></a></p><h2 id="is-a-u.s.-bank-savings-account-right-for-you?" data-toc-id="82ad54b6-b6c8-48d7-ba93-e78f46b2bf22" data-toc-label="Is a U.S. Bank Savings Account Right For You?" class="toc-anchor">Is a U.S. Bank Savings Account Right For You?</h2><p>A U.S. Bank savings account is best for people who live in the Midwest or West and can take advantage of the bank's robust branch and ATM network. It may be worthwhile if you qualify for a relationship rate with the U.S. Bank Smartly® Savings Account and can maintain a combined account balance of $25,000 or more. By doing so, you can obtain the best U.S. Bank savings account interest rate and also waive monthly service fees.</p><p>Keep in mind that online high-yield savings accounts pay similar or higher rates than the U.S. Bank Smartly® Savings Account. If you don't want to deal with the hassle of keeping certain a balance or opening an eligible product alongside your savings account, you might prefer an online bank to U.S. Bank.</p><h2 id="1deffd2a-ec92-45bc-b046-30beee2f1f97" data-toc-id="1deffd2a-ec92-45bc-b046-30beee2f1f97" data-toc-label="FAQs">U.S. Bank Savings FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What types of savings accounts does U.S. Bank offer? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">U.S. Bank offers savings accounts, money market accounts, traditional CDs, promotional CDs, trade-up CDs (a rate increase can be requested), and a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/step-up-cd" data-analytics-product-module="body_link" rel="">step-up CD</a> (the rate increases every seven months).</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any fees associated with U.S. Bank savings accounts? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">U.S. Bank savings accounts have monthly service fees, although there are ways to waive these fees. U.S. Bank may also charge <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/overdraft-fees-what-banks-charge" data-analytics-product-module="body_link" rel="">overdraft fees</a>, non-U.S. Bank ATM fees, and dormant account fees.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How competitive are U.S. Bank's interest rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The U.S. Bank savings account interest rate is less competitive than average savings accounts at other banks and <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-credit-unions" data-analytics-product-module="body_link" rel="">credit unions</a> unless you qualify for a relationship rate with U.S. Bank Smartly® Savings Account. The best online banks are still more suitable options for a high savings rate, though.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is eligible to open a U.S. Bank savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You are eligible to open a U.S. Bank savings account at a branch if you live in Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, or Wyoming. You can also apply for a savings account online, but your eligibility may vary depending on your ZIP code.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I maximize my savings with a U.S. Bank account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can maximize your savings with a U.S. Bank account by choosing the right type of savings account for your needs and managing your account so you can reach your <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/savings-goals" data-analytics-product-module="body_link" rel="">savings goals</a>. For example, if you don't need to access your money for a while, you might like a U.S. Bank CD over the bank's savings account to earn a fixed interest amount.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/us-bank-savings-account-rates-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sophia-acevedo"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Sophia Acevedo's face against a gray background"> <noscript> <img class="no-script" src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sophia Acevedo</div> </a> <div class="post-author_title headline-regular">Banking Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Sophia Acevedo is a banking editor at Business Insider. She has spent three and a half years as a personal finance journalist and is an expert across numerous banking topics. </span><span><span class="headline-semibold">Experience</span></span><span>Sophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "<a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a>," which focused on telling stories that could help people live and spend better. </span><span>She's also covered the the following stories during her time at Business Insider: </span><ul><li><span><a href="https://www.businessinsider.com/personal-finance/banking/best-budgeting-apps" rel="">Best budgeting apps</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/best-banks" rel="">Best banks</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/how-much-should-i-save-each-month" rel="">How much should I save each month</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/what-happens-if-my-bank-fails" rel="">What happens if your bank fails</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/savings-rate-forecast" rel="">2025 savings rate forecast</a></span></li></ul><span>Sophia has spent seven and a half years writing and editing as a journalist. She began her journalism career at her college newspaper, where she took on various roles.</span><span>Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a <a href="https://cnpa.com/cja/2018campus/" rel=" nofollow">2018 California Journalism Awards Campus Contest</a> for her photography.</span><span>She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.</span><span><span class="headline-semibold">Expertise</span></span><span>Sophia's expertise includes:</span><ul><li><span>Bank accounts</span></li><li><span>Savings and CD rate trends</span></li><li><span>Budgeting</span></li><li><span>Saving</span></li><li><span>How banks operate</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.</span><span>Sophia is a member of the National Association of Hispanic Journalists.</span><span>She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img class="no-script" src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>*Earn 4.50% APY when you deposit at least $250 per month, earn 3.50% standard APY if minimum isn't met.</em></p> <p style="font-size:14px;"><em>**Accounts with $250,000 or less will earn 4.25% APY, accounts with over $250,000 will earn 4.50% APY . Rate are determined by balance tiers and amount deposited.</em></p> <p style="font-size:14px;"><em>***SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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