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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

U.S. Bank Mobile Banking vs Amex

U.S. Bank Mobile Banking 4.8★ · Free to download 75
Winner Amex
Amex 4.9★ · Free to download 80

Amex has a slight edge due to its highly praised customer service and robust benefits, despite some recent app glitches, while U.S. Bank Mobile Banking is a solid choice for everyday banking with a generally easy-to-use app.

Full reviews: U.S. Bank Mobile Banking · Amex

Amex is favored for its excellent customer service and valuable card benefits, though recent app updates have caused some frustration. U.S. Bank Mobile Banking is appreciated for its ease of use and convenient features like mobile deposit and Zelle, despite occasional issues with specific functionalities.

Head to head

Features tieR1R11R14R17
U.S. Bank Mobile Banking U.S. Bank Mobile Banking users appreciate features like Zelle for sending money easily and the convenience of mobile check deposit, though some report issues with the automatic picture taking for deposits and the search function R1R11R14R17. The app also allows for easy transfers between accounts, even at different banks .
Amex Amex users value the benefits and points earned with their cards, especially for flights and hotels, and the control over other users and notifications . However, some users report issues with features like 'Pay it's tab' not showing, limitations on the number of 'Pay it's', and problems with Apple Pay for large purchases .
Ease of Use edge: U.S. Bank Mobile BankingR2R4R5R6
U.S. Bank Mobile Banking Many U.S. Bank Mobile Banking users find the app easy to navigate, user-friendly, and efficient for banking tasks R2R4R6. However, some users experience problems with Face ID continuously removing itself and a general feeling of it not being user-friendly R5.
Amex Amex users generally describe the app as easy to use, fast, and reliable . Despite this, recent updates have led to frustrations with 'Card Highlights' appearing every time the app is opened, Face ID not working, and a less clear interface for viewing bills R72.
Reliability tieR1R2R4R9
U.S. Bank Mobile Banking U.S. Bank Mobile Banking is generally seen as reliable and secure, with users appreciating its consistent performance for daily banking and security measures R2R4. Some users, however, report significant issues with the deposit feature requiring multiple attempts and unresolved glitches with payment posting R1R9.
Amex Amex is praised for its consistency, responsive security measures, and reliability for purchases and billing . Conversely, many users report issues with sudden account freezes, credit limit reductions without clear explanation, and problems with refunds not being returned promptly R61R79.
Price/Value edge: AmexR38R48R61R77
U.S. Bank Mobile Banking U.S. Bank Mobile Banking is a free-to-download app that provides convenient banking services, with users valuing the time savings and ease of managing finances R38R48. No specific complaints about fees or value were highlighted.
Amex Amex users appreciate the value derived from card benefits, points, and perks, despite high annual fees for some cards R77. Some users express dissatisfaction with reduced credit limits impacting their ability to use the card as needed, questioning the value for the fees paid R61R77R79.
Support edge: AmexR3R9R24R26
U.S. Bank Mobile Banking U.S. Bank Mobile Banking users generally praise the helpful, professional, and friendly staff, noting quick resolution for problems like stolen credit card info R3R9R24R26. However, some users report poor support resolution for technical glitches, with staff lacking technical skills R9.
Amex Amex customer service is frequently lauded as excellent, quick, responsive, thorough, and the best compared to other credit cards . Conversely, a significant number of users report awful customer service experiences, including inability to speak to real people for disputes, support agents leaving chats, and lack of explanation for account actions like cancellations or freezes R79.
Pick U.S. Bank Mobile Banking if

you prioritize a banking app that is consistently easy to navigate for everyday transactions like mobile deposits and Zelle payments, and value helpful in-person or phone support for issues R2R3R4R14.

Pick Amex if

you value strong card benefits, points, and generally excellent customer service for card-related issues, and are willing to overlook occasional app glitches or account management frustrations .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Reviews for Amex show a strong dichotomy in customer service experiences, with many praising it highly and others finding it severely lacking.

Frequently asked

Does U.S. Bank Mobile Banking have Zelle?
Yes, U.S. Bank Mobile Banking offers Zelle, which users find very convenient for sending money to friends and family, saving time by avoiding bank visits R17R29R36.
Are there common issues with the Amex app's login or Face ID?
Yes, some Amex users have reported issues with Face ID not working consistently and being forced to manually log in, and others find the login process poor due to requirements for long passwords R72R111.
How reliable is mobile check deposit on the U.S. Bank Mobile Banking app?
Mobile check deposit on the U.S. Bank Mobile Banking app is generally considered easy and convenient by many users, though some report that the automatic picture taking feature rarely works, requiring manual photo capture R12R14R19R20.
Does Amex reduce credit limits without warning?
Yes, several Amex users have reported instances of their credit limits being reduced unexpectedly, sometimes without clear explanation, even after years of good payment history R61R79R87R99.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] U.S. Bank Mobile Banking 1/5 · US Deposit feature barely works: Deposit feature is horrible takes a million attempts
  2. [R11] U.S. Bank Mobile Banking 1/5 · US App useless: Search function DOES NOT WORK for the 80hundreth fn time
  3. [R14] U.S. Bank Mobile Banking 5/5 · US Mobile deposit: Oh so easy to make a deposit.
  4. [R17] U.S. Bank Mobile Banking 5/5 · US Happy client: Zelle is very convenient to send money to your friend. No need to go to the bank and withdraw cash. Save more time v
  5. [R2] U.S. Bank Mobile Banking 5/5 · US Great Application: Works the way it should, easy to navigate.
  6. [R4] U.S. Bank Mobile Banking 5/5 · US USBank App: Their App works flawlessly and is very easy to navigate! Nice job!!
  7. [R5] U.S. Bank Mobile Banking 1/5 · US Waist of time: Not friendly web
  8. [R6] U.S. Bank Mobile Banking 5/5 · US Easy and efficient app: Very easy to use, better than website.
  9. [R9] U.S. Bank Mobile Banking 1/5 · US Not secure, poor support resolution: I am on my fifth phone call with supervisors, and frequent fears from my paying bank. Would you trust a bank that cannot write a payment correctly and post against random accounts? The app allows one to login to their bank and connect account details. There is a glitch that no one has successfully resolved because they do not have the technical resolution skil
  10. [R38] U.S. Bank Mobile Banking 5/5 · US US Bank AP: Love this AP! Time savings is critical and the AP provided me a easy way to bank with my busy schedule.
  11. [R48] U.S. Bank Mobile Banking 5/5 · US Flexibility: The US Bank app is amazingly easy to use and very helpful in managing my finances. Thank you, US Bank.
  12. [R61] Amex 1/5 · US NOT SUPPORTING: 785 credit scores and reduced my credit amounts!
  13. [R77] Amex 1/5 · US Bad card to use for business: I used love American Express Platinum business card and used it for most of my business use. But for last 2 years this card become one of the worst cards . High annual fee and we can’t even use it as needed . I will close this account as soon I have paid off the balance .
  14. [R3] U.S. Bank Mobile Banking 2/5 · US US BANK: Love this app and this Bank! Easy and secure and so helpful and professional and friendly staff! Great! Very helpful with problems. I love this app still. Still love it!!!! 10/26/22 It is Dec 10 and I had someone steal my credit card info. They helped me get money back right away and cancel the old card. And Roasalie I think was her name. She was wonderful!!!! 2/1/24 still love how easy i
  15. [R24] U.S. Bank Mobile Banking 5/5 · US Owner: Very good service
  16. [R26] U.S. Bank Mobile Banking 5/5 · US Peggy Scott: I like the app it’s easy. Convenient and answers all my questions
  17. [R29] U.S. Bank Mobile Banking 5/5 · US Zelle: Explanation is easy to undertand. Guide is direct to the poiht. The interest rate is affordable.
  18. [R36] U.S. Bank Mobile Banking 5/5 · US Great Service!: Zelle has made it so easy for me to send funds last minute to my family! I can’t say how helpful it has been! As a parent, it gives me great peace of mind to know I can help out my children and family at a touch of a button from anywhere. Most of my family has found it easy to sign up for Zelle. Thank you so much for offering this awesome service!
  19. [R72] Amex 3/5 · US Face ID doesn’t work: Not sure what’s going on, but for the last week or so, although my Face ID login is turned on, it does not work upon login. I have to manually login. What is going on, American Express?
  20. [R111] Amex 2/5 · US Login is poor: Pretty mediocre app, and now you want me to remember an 18+ character password everytime I need to login. I spend more time changing my password than doing what I need to do on your app. Bring back things that make people’s lives easier. Add a pin or something that would bypass this nonsense. Your customers deserve better.
  21. [R12] U.S. Bank Mobile Banking 5/5 · US Deposit: Good
  22. [R19] U.S. Bank Mobile Banking 5/5 · US Quick deposit: Perfect set up to get your checks deposited
  23. [R20] U.S. Bank Mobile Banking 5/5 · US Check deposit: I really like this setup.😀absolutely awesome! Thank you us bank.
  24. [R79] Amex 1/5 · US Do Not Care About Customer: I am simply a number. Decreased my limit twice over the past week. I was told the first time this was based off “their number calculations”, although I’ve never missed a payment in my 12 year history. Say my balances are too high. Lower my limits, lower my credit score, decrease my ability to recover and my feasibility to live. That credit line went from $6800 to $1000
  25. [R87] Amex 1/5 · US Up and down limit: Stop raising and lowering the limit. Have you not ever got paid ? These cards may work one minute but not the next.
  26. [R99] Amex 1/5 · US Dishonest Practices: American Express, lowered my account availability to under what I owed. I have no missed payments and I’m paying more than the minimum amount and yet they dropped my availability from 33,000 to 22,000 and have reported me for being over my limit.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store