Easy Checking
Have combined monthly direct deposits totaling $1,000+.
Keep an average account balance2 of $1,500.
The account holder(s) is age 65 or older.
Checking accounts
Easy Checking
Personal checking with basic banking must-haves
MONTHLY MAINTENANCE FEE
$6.95 or $0
Gold Checking
Extra benefits for U.S. Bank credit card and loan customers
MONTHLY MAINTENANCE FEE
$14.95 or $0
Platinum Checking
Top-tier checking with competitive rates and all the perks (view rates)
MONTHLY MAINTENANCE FEE
$24.95 or $0
Student Checking
Personal checking with features just for students
MONTHLY MAINTENANCE FEE
$0
No monthly maintenance fee
Safe Debit Account1
A bank account minus the checks with no overdraft fees
MONTHLY MAINTENANCE FEE
$4.95
Monthly maintenance fee can’t be waived
Ways to waive the monthly maintenance fee
Gold Checking
Have an open U.S. Bank personal loan, line or credit card.3
Platinum Checking
Have $25,000 in combined personal deposits, credit balances4 with U.S. Bank and/or investments* through U.S. Bancorp Investments.
Have a personal trust relationship with U.S. Bank Wealth Management.
The account holder is a current or former member of the Armed Forces. Learn how U.S. Bank supports those who serve.
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 app or at locations.usbank.com
Narrow your options
Want help choosing the right account?
No problem. Just answer a few questions to see what account might work for you.
Compare accounts side by side.
Choose the accounts you want to compare and see all of their benefits and features.
Need more information about bank accounts? We’re happy to help.
What is a checking account?
There are many bank accounts where you could put your money. But 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.
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Disclosures
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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
