Easy Checking
You have combined monthly direct deposits totaling $1,000 or more.
Or
You keep an average account balance2 of $1,500 or more.
Or
You or another person on the account are age 65 or greater.
Personal checking with basic banking must-haves
$6.95 or $0
Extra benefits for U.S. Bank credit card and loan customers
$14.95 or $0
Top-tier checking with competitive rates and all the perks (view rates)
$24.95 or $0
Personal checking with features just for students
$0
No monthly maintenance fee
A bank account minus the checks with no overdraft fees
$4.95
Monthly maintenance fee can’t be waived
You have combined monthly direct deposits totaling $1,000 or more.
Or
You keep an average account balance2 of $1,500 or more.
Or
You or another person on the account are age 65 or greater.
You have an open U.S. Bank personal loan, line, mortgage or credit card.3
You have $25,000 or more in combined personal deposits, credit balances4 with U.S. Bank investments through U.S. through Bancorp Investments.
Or
You have a personal trust relationship with U.S. Bank Wealth Management.
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
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.
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.
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.
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.
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.