Some warnings 1 confirmed warning. Checked: 1,924 reviews, the Android app’s code, the store listing and the privacy label.
From our automated analysis, 30 Oct 2026. Every label links to its evidence in the full report below.
This analysis describes version 3.82.89 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-30 .
The store currently lists version 3.82.89, updated 2026-09-22.
Store screenshots supplied by the developer.
The award-winning (1) U.S. Bank Mobile App lets you manage your accounts, monitor cash flow, send money and much more, all in one app.
Security at your fingertips
• Log in with your credentials or enroll in digital services.
• Be alerted to duplicate charges, suspicious activity, and low balances.
Manage accounts and cards
• View accounts & balances in one spot: checking, savings, credit cards, loans, and more.
• Securely access credit scores.
• Set travel notifications, lock & unlock cards, and more.
• Add cards to mobile wallet.
• Select your language preference to English or Spanish.
Manage and move money easily
• Send & request money with friends and family using Zelle®(2.)
• Quickly deposit checks, now with increased limits.
• Pay & manage bills in one spot.
• Make transfers between U.S.…
From the developer’s store description.
For developers and the curious
The evidence, sources, measurements and versions behind every label above.
Findings that met the published evidence standard.
Aggressive ad load: raised by 13 distinct reviewers (about 1 in 148 reviews we read)
Advertising volume or placement that interrupts normal use: ads between every action, unskippable or forced full-screen ads.
Specific evidence of a useful property, within the stated scope.
The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
Open observations that have not cleared the evidence bar.
The app's own text says: "Clicking certain links may redirect you to your Greenlight app."
This observation has not cleared the required evidence standard.
Cancelling the subscription is blocked, hidden, multi-step, or simply does not take effect.
Package artefact
Appworthy
sha256:603bbea74758cae37fca8a65b587acbb801ae14d7f19ba0678f9c33670e4d846The app's own text says: "You need to add at least $%1S to fund your account. You can also try other options to add money."
This observation has not cleared the required evidence standard.
Advancement or competition is gated behind spending money rather than playing.
Package artefact
sha256:603bbea74758cae37fca8a65b587acbb801ae14d7f19ba0678f9c33670e4d846The app's own text says: "APRs (annual percentage rates)"
This observation has not cleared the required evidence standard.
The app's own screens offer a way past sign-up — guest access, skipping, or browsing before registering — rather than gating the product behind an account. The store's privacy disclosure is checked alongside it: that disclosure is self-reported, so it corroborates this credit rather than establishing it.
Package artefact
sha256:603bbea74758cae37fca8a65b587acbb801ae14d7f19ba0678f9c33670e4d846The app's own text says: "Scheduled transactions are payments you've scheduled through U.S. Bank. They may be recurring or one-time payments."
This observation has not cleared the required evidence standard.
The app's own copy describes working without a connection — offline mode, downloading for offline use, or content saved for later. Shown because readers filter on it; it is a feature, not a fairness property, and never counts for or against an app.
Package artefact
sha256:603bbea74758cae37fca8a65b587acbb801ae14d7f19ba0678f9c33670e4d8461,924 reviews read for this analysis. Each observation keeps the sample and store it was based on.
The app is not completely intuitive, but it works. The many ads are distracting, frustrating and can be confusing. I wish they could be deleted from the app!
Terrible UX design. App opens and the top option to tap is my primary checking account. As you go to select that option, a bunch of ads populate the same space on my screen, so suddenly I'm tapping on redirects I don't want or need. Worse…
CONSTANT ADS AND POP-UPS ! APP WILL NOT WORK for hours because its ad after ad. online support is almost NON existent, they have had heavier than normal calls for MONTHS ! DO NOT RECOMMEND U.S. BANK.
A sampled review illustrates one person’s experience. It does not establish a finding on its own.
“Not assessed” means we could not measure it. It is never a zero and never a pass.
Android package 3.82.89, scanned 20 Oct 2026. These describe that package, not the current store version.
Supporting measurements: not a complete list of possible harms or positives. Measurement vocabulary 1.4 · how these are measured
This analysis describes version 3.82.89 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-30 .
The store currently lists version 3.82.89, updated 2026-09-22.
Each store’s release notes, as the developer wrote them. They are the developer’s words, not ours.
No release notes were provided for this version.
u-s-bank-mobile-banking-google-com-usbank-mobilebankingAssessed 2026-10-30 from 1,924 user reviews, the app's package, the store listing and its privacy label.
What the stores publish. Store ratings are the stores’ numbers, not Appworthy’s, and are never averaged across stores.
No itemized purchase list is available for this listing.
This assessment is produced automatically. Six independent signals are read — user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure — and each candidate finding is filed under the sources that support it.
No charge stands on one kind of evidence — with one published exception. A finding is either a measured fact that anyone can reproduce (an ad SDK is in the package; every recurring plan the store lists is named as weekly, the term read from the purchase names, with a list cut off at the store’s 10-item maximum not assessed; the privacy label omits a tracker we can see), or it is an interpretation — and an interpretation needs independent sources to agree before it reaches the catch list. The exception is a harm only users can see: a charge may publish from reviews alone, as “Reported by N users”, once enough reviewers raise it to clear that charge’s own published bar. That agreement rule is what replaced the human reviewer, not a model’s confidence.
There is no overall score, on purpose. A 0–99 number was published here until 2026-09-15. It was withdrawn because it discriminated too weakly to be the instrument — 44.7% of every pair of apps tied — and because a single number is a verdict where a count is an observation. What publishes instead is a row of measurements, each of which says what was counted and, where we could not look, says that instead.
Findings under One source only are real reports we do not stand behind as findings. They are shown because withholding them entirely would hide a genuine complaint, and labelled because publishing them as charges would be an accusation off a single source.
Write to [email protected], or use the form. Name the finding, the app version and the evidence that needs correcting. Factual corrections are free and never depend on buying anything.