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Checking account benefits

Bank Smartly and Safe Debit account holders enjoy:

  • Branches in more than 25 states
  • One of the largest ATM networks in America
  • No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs.(Select Show MoneyPass® ATM Network locations in the ATM locator to find locations.)3

Bank Smartly Checking account holders can enroll in Smart Rewards to reap additional benefits.

Note: Safe Debit accounts are not eligible for Smart Rewards.

Take action to get Overdraft Paid Fees waived.

Let’s face it – overdrafts can happen. With Overdraft Fee Forgiven, U.S. Bank Smartly Checking account holders may qualify for an Overdraft Paid Fee waiver.

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’ll have extra time to potentially have the Overdraft Paid Fees waived with Overdraft Fee Forgiven.4

Note: Safe Debit accounts are not eligible for Overdraft Fee Forgiven.

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The verdict is in…. Our app is #1.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. Industry experts ranked us #1 for:

  • Best mobile app5
  • Best digital mortgage tools6
  • Best customer service features7
  • Best mobile check deposit8
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Apply online.

Easy, fast and secure - apply in minutes with an opening deposit of $25. All our accounts can be opened jointly. Simply select the Joint option when applying.

Over 18 and interested in opening your first bank account? Here’s what you need to know.

Want to open an account for a minor? Learn how.

Rest easy. We’ve got you covered.

Your money and data are protected with:

  • Zero fraud liability9
  • The industry’s strongest available encryption
  • Security alerts

Take control of your financial wellness.

Bank Smartly with U.S. Bank by tapping into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness. Download the U.S. Bank Mobile App and explore ways to manage cash easily, move money safely and save and spend wisely.

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Grow your financial knowledge.

Financial IQ has an abundance of interesting and relevant articles, videos, quizzes and more that can help you grow your financial knowledge. Here are just a few of the resources you’ll find.

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How to choose a bank account

With so many available options, it can be difficult to choose a bank account that best fits your needs. Our Money Mentor can help.

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How to spend money wisely

Whether you’re a financial pro or just starting your financial journey, mindful spending habits will keep you on the right track.

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How to balance your checkbook

Avoid overdraft charges and minimize the risk of fraud by keeping your checking account balanced.

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  1. Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards tiers (Primary, Plus, Premium or Pinnacle).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to the Consumer Pricing Information disclosure for more details.

  2. Safe Debit Account is subject to certain account limitations and eligibility requirements, including the use of bill pay and Mobile Check Deposit. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide for details. Refer to Your Deposit Account Agreement and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

  3. ATM Transaction FeeU.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge.  Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  4. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATMs deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.

  5. In its Q3 2021 Mobile Banker Scorecard, the industry benchmarking firm Keynova Group ranked U.S. Bank #1 overall in mobile banking, including #1 for mobile app.

  6. The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

  7. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.

  8. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more. 

  9. Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Banking Agreement section in Your Deposit Account Agreement for details.

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Investment and insurance products and services including annuities are:
Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

For U.S. Bancorp Investments, Inc.:

Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank National Association.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services, performance or obligations of its affiliates. 

Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.