Easy Checking
Personal checking with basic banking must-haves
Gold Checking
Extra benefits for U.S. Bank credit card and loan customers
Platinum Checking
Top-tier checking with competitive rates and all the perks (view rates)
Student Checking
Personal checking with features just for students
No monthly maintenance fee
All our checking accounts include:
Branches in more than 25 states
One of the largest ATM networks in America
No surcharges at MoneyPass® Network ATMs2
Find a Branch or ATM near you in the app or at locations.usbank.com
Compare checking accounts
This handy comparison chart gives you a brief look at some features and benefits of our checking accounts, side by side.
Go to comparison chartHow to waive the monthly maintenance fee
- Combined monthly direct deposits totaling $1,000+
- An average account balance4 of $1,500
- The account holder(s) is age 65 or older
- $25,000 in combined personal deposits, credit balances6 with U.S. Bank and/or investments* through U.S. Bancorp Investments
- A personal trust relationship with U.S. Bank Wealth Management
Compare checking accounts
This handy comparison chart gives you a brief look at some features and benefits of our checking accounts, side by side.
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Easy Checking
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Gold Checking
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Platinum Checking
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Student Checking
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Safe debit
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Monthly maintenance fee
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Easy Checking is $6.95 or $0 when the conditions are met
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Gold checking is $14.95 or $0 when the conditions are met
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Platinum Checking is $24.95 or $0 when the conditions are met
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Student Checking is $0 for the monthly maintenance fee.
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Safe Debit's $4.95 monthy maintenance fee can't be waived.
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How to waive the monthly maintenance fee
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Easy checking has No monthly maintenance fee with one of the following:
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Gold Checking has No monthly maintenance fee with an open U.S. Bank personal loan, line or credit card.5
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Platinum Checking has No monthly maintenance fee with one of the following:
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Student Checking has No monthly maintenance fee
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Safe Debit's Monthly maintenance fee can't be waived
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No ATM Transaction fees for Non-U.S. Bank ATM Transactions2
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2 per statement period
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no limit
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4 per statement period
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No surcharges at MoneyPass® network ATMs2
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Earns interest7
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Take the next step
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Why U.S. Bank? It's all about access.
No matter which account you choose, you’ll have access to the tools and support you want.
Mobilize your financial life
Pocket the power to bank on your own schedule with the U.S. Bank Mobile App. Simply sign in with a touch or a glance to manage your finances with your fingertips.
We’re where you need us
Need quick cash? Want a face-to-face chat with a banker? With more than 4,500 U.S. Bank ATMs and 2,700 branch locations, we’re easy to find.
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