Skip to main content

Ways to waive the monthly maintenance fee

Easy Checking

You have combined monthly direct deposits totaling $1,000 or more.


You keep an average account balance2 of $1,500 or more.


You or another person on the account are age 65 or greater.

Gold Checking

You have an open U.S. Bank personal loan, line, mortgage or credit card.3

Platinum Checking

You have $25,000 or more in combined personal deposits, credit balances4 with U.S. Bank investments through U.S. through Bancorp Investments.


You have a personal trust relationship with U.S. Bank Wealth Management.

All our checking accounts include:

  • Branches in more than 25 states
  • One of the largest ATM networks in America
  • No surcharges at MoneyPass® Network ATMs5  (find a branch or ATM near you in the mobile app or online)

More account benefits

How to waive overdraft fees for all checking accounts (excluding Safe Debit)

If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee. If your Available Balance is overdrawn by $50.01 or more, you’re given extra time to potentially waive Overdraft Paid Fees on eligible accounts with Overdraft Fee Forgiven.6

Open an account online.

It’s fast and easy, typically taking only a few minutes. Here’s what you’ll need.

All our accounts can be opened jointly. Simply select the Joint option when applying.

You may open a joint checking account with a minor aged 14 through 17.

  • If you wish to open a joint Student Checking or Safe Debit account with a minor, you may do so online or in a branch.
  • If you wish to open any other checking account jointly with a minor, you must apply together in a branch. Stop by a local branch together and a banker will be happy to help you. You may also schedule an appointment in advance.


Learn more about opening an account for a minor.

Over 18 and interested in opening your own account for the first time? Here’s what you need to know.

Need more information about bank accounts? Let us help.

What is a checking account?

There are many bank accounts where you could put your money. Which is the best for your situation? Figure it out with a little help from our Money Mentor series.

Opening a bank account for the first time

You’re ready to open your first bank account! But you have a few questions. Take a scroll through our infographic for the things you’ll need and numbers to know.

How to practice mindful spending

Whether you’re a financial pro or just starting out in your money journey, mindful spending habits will keep you on the right track – especially in an ever-changing economy.

Start of disclosure content
Return to content, Footnote
Start of disclosure content
Return to content, Footnote
DA-017 DAA and CPI disclosure
WI-001 Not-not-may: USBI or dual
XX-023 Tax/legal advice - USBI + Bank
WI-040 USBI heading
WI-041 Investment/insurance products
WI-030 Bank heading
WI-031 Bank + USBI disclaimer
XX-004 FDIC notice + credit + home
XX-001 FDIC notice
XX-011 Equal Housing Lender