Complete these first steps

Get the most from your new account by completing these key setup tasks.

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Review ways to waive fees

Your $12 monthly maintenance fee is waived for the first two statement cycles after account opening1. Explore options to keep it waived and help avoid overdraft-related fees and surprises.

Review fee waiver options
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Set up direct deposit

Set up direct deposit online in just a few steps, with digital options available to simplify setup with participating employers. Qualifying direct deposits totaling $1,500 or more per month are also one way to waive the $12 monthly maintenance fee.

Set up direct deposit
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Add your debit card to your digital wallet

Make fast and secure purchases with Apple Pay®, Google Pay™, or another supported digital wallet. Virtual debit card availability can take up to 3 days after opening your account.

Log in to update digital wallet
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Pay your bills

Manage bills in one place, schedule payments, and avoid missing a due date.

Log in to pay bills

Peace of mind starts here

Account notifications

Get real-time notifications for deposits, low balances, large transactions, and account activity, so you’re always in the know.

Set up notifications

Protect your account and personal information

Review security recommendations, set up alerts, and enable additional protections to help keep your money safe and quickly identify suspicious activity.

Log in to review your security options

Overdraft protection

Overdraft protection2 helps cover you if your balance comes up short. You can link another eligible U.S. Bank account and funds will transfer automatically to cover a purchase or payment.

Log in for Overdraft Protection
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Mobile app & digital banking

Manage your account, send money, track spending, view rewards, and stay connected wherever you are.

Download the Mobile App

Get more from your account

Zelle®

Send and receive money in minutes3 with people you know and trust.

Enroll in Zelle®

Money Tracker

See where your money is going, track spending, and stay on top of your finances with personalized insights.

Log in for Money Tracker

External accounts

Link accounts from other financial institutions to view everything in one place.

Log in to link accounts

Smart Rewards®

Access rewards, discounts, and relationship benefits that grow as you deepen your relationship with U.S. Bank.

Log in for Smart Rewards®

Frequently asked questions

You can add or update a beneficiary on your U.S. Bank checking, savings and CD accounts. For details, see How do I add, change or remove a beneficiary?

To add someone to your account to have full access you can do one of the following steps:

  • Reach us at 800-USBANKS (872-2657). A representative will collect important information from you and your signer to process the request. We accept relay calls.
  • To see a branch banker, feel free to drop-in if our lobby is open or Schedule appointment online for a time that’s convenient to you.

There are two ways to easily find your routing number in the U.S. Bank Mobile App:

  • Open the U.S. Bank Mobile app and select U.S. Bank Smart Assistant®. Then say, “What’s the routing number for my checking account?”
  • You can also log in to your online banking and select the desired account from your dashboard. Then select the Manage tab followed by the Account & routing number tab.

Choose the option that works best for you:

You have the option of customizing your checks, including font style and design. Be sure to verify your information carefully before placing your order.

Mobile & online banking

  1. Go to your dashboard and tap the U.S. Bank Smart Assistant
  2. Type or ask, “How do I order checks?”
  3. Follow the link it provides to our check provider, Deluxe®

By phone

Place an order with Deluxe, our official check provider. Call 866-882-3178

Through a branch

Order checks at a U.S. Bank branch.

Find a U.S. Bank Branch or ATM near you

To add a savings account through online banking

  1. Select Products & offers from the top of the page.
  2. Choose Savings accounts.
  3. Select Learn more for more details about a product or Apply now to start your application.

To add a savings account through the U.S. Bank Mobile App

  1. Choose Products & offers from the bottom of your screen.
  2. Select Bank Smartly savings, or Elite Money Market Account.
  3. Choose Open an account/Start saving to start your application.

To apply over the phone or in person call 800-USBANKS (872-2657) or visit a branch by scheduling an appointment online.

Learn more about opening a Savings Account

Additional resources to help you succeed

Explore these resources for help with everyday banking, digital tools and goal planning.

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Financial education

Reach your financial goals with help from U.S. Bank’s financial education center. Learn how to budget, save, borrow, and invest to make your money go further.

Build your money skills
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Start building your next move

From money to career to life goals, work 1:1 with a coach to create a plan that actually works for you.

Connect with a coach
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Try out our digital tools

Take our banking features and tools for a test drive with simple, interactive demos.

View interactive demos

Questions? Let’s find answers together.

Find a branch

Call us 800-USBANKS

Make an appointment

Schedule a virtual visit

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Disclosures

  1. Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date. Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

    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.

  2. Overdraft Protection Transfer Fees are waived on U.S. Bank Smartly Checking accounts. 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. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. No Overdraft Protection Transfer Fee(s) will be charged for transfers from linked deposit accounts.

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

  3. To send and receive money in minutes with Zelle®, both parties must have an eligible checking or savings 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 customers typically occur in minutes.  

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

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