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Bank Smartly® Checking sets you up for success.

Access tools to boost your financial wellness and resources to help you plan for the future.



You knew to expect this. We're U.S. Bank.

   Mobile check deposits

Automated bill pay

Overdraft Fee Forgiven 8 and overdraft protection

Zelle® instant transfers 11

Contactless payments

Account alerts and reminders

Earning your trust is at the heart of all we do.

One of the World’s Most Ethical Companies 2023 12

#1 mobile app in 2022 Mobile Banker Scorecard 13

Nearly 5 star mobile app rating in both major app stores

Accessing Smart Assistant on a phone with Bank Smartly checking

Mobile banking is easier than ever in our award-winning app with Smart Assistant.

Easily pay your bills, set notifications or reach a representative. Plus, feel safe knowing that you're always connected to your money and, in case you missed it, it's FDIC insured.

It's easy to use.

Once you log in, tap the mic to talk. U.S. Bank Smart Assistant® is ready when you are.

For your eyes only

We offer the industry's strongest available encryption and zero fraud liability. 9

See our guarantee.

Saves time on everyday banking

Smart Assistant helps you skip steps to complete common tasks quickly.

See how it works.

¿Hablas español? Nosotros también.

Operaciones bancarias con confianza en el idioma de tu preferencia.


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Easy to open.
Easy to set up.

Bank Smartly® Checking lets you manage your cash flow and gives you access to automated tools to help you spend and save wisely. Get started with an initial deposit of $25.

Apply online in less than 5 minutes.

Fund your account using an internal or external transfer. You can also add money using your credit, debit or prepaid card.

Securely switch your direct deposit online in minutes.

Frequently asked questions

Find out more ways to manage your money and reach your financial goals.

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Don’t underestimate the importance of balancing your checking account

If you’re one of the millions of Americans using a checking account, you should know how to keep it balanced.

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How discovering your money personality can help you save

Your beliefs about spending and saving money can boost or block your financial success. Here’s how to make your money mindset an asset.

Want to explore more ways to save?

When it comes to financial wellness and saving for the future, at U.S. Bank, you have options.

Money Market Accounts

Easily access your money and get higher returns based on your balance tier.

Explore money market accounts >

Safe Debit Account 15

Enjoy the perks of a checking account without all the checks.

Learn about Safe Debit account >

Certificates of deposit (CDs)

Lock in great rates that outshine traditional savings.


Explore CDs >

Start of disclosure content
  1. Variable rate account – Interest rates are determined at the bank’s discretion and may change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

  2. Members of the military (requires self disclosure) and clients 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 presence of an eligible personal 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 (PDF) disclosure for more details.

  3. 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.

  4. Qualifying accounts include personal U.S. Bank open and activated credit cards in good standing and you are an account owner. This benefit may take up to 5 business days to be applied after credit card activation. Credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual fees. No limitation on Bank Smartly® checking accounts with this benefit.

  5. Exclusive Smart Rewards cash back deals are available to U.S. Bank personal credit cardmembers whose accounts are open and in good standing who: (1) have a U.S. Bank Smartly® Checking account; (2) are enrolled in the U.S. Bank Smart Rewards program; and (3) qualify for the Primary tier of the program or higher. Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank are not eligible for these offers. Smart Rewards cash back deals appear in online banking and the U.S. Bank mobile app and will change approximately every 45 days. Following enrollment in U.S. Bank Smart Rewards program, offers will be made available to eligible cardmembers within 4-6 weeks. To access and activate the cash back deals, cardmembers must log in to online banking or the mobile app and select the Smart Rewards cash back deals to activate them. Once the deal or deals are activated, shop online or in store at offer-activated stores using your enrolled U.S. Bank personal credit card at checkout. Terms and conditions applicable to each offer are provided with the offer. Cash back is automatically credited within 5-7 business days to the card or account used to complete the deal. 

  6. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.

  7. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement (PDF) section titled Overdraft Protection Plans for additional information.

  8. 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, ATM 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 (PDF) for full funds availability details.

  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 Fund Transfers section in Your Deposit Account Agreement (PDF) for details.

  10. U.S. Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) is added as a funding source. You are required to be an authorized transactor on the U.S. Bank account, be at least 18 years of age, and be enrolled in online banking. Your U.S. Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your U.S. Bank checking account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible U.S. Bank checking account, you may be charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See for additional information. Offer subject to change.

  11. To send and receive money in minutes with Zelle®, you must have an eligible United States bank account and have a United States mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions between enrolled consumers typically occur in minutes.

  12. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit

  13. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  14. All regular account opening procedures apply. $25 minimum deposit required to open a U.S. Bank consumer checking account. Members of the military (requires self-disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee.

  15. 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 (PDF) and Safe Debit Account Pricing and Information (PDF) guide for details. Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

Start of disclosure content

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.