Let’s work together.
With the U.S. Bank Workplace Banking program, you’ll have access to a variety of products and services that can help you turn your dreams into reality.
Get your Workplace Banking code to get started.
When applying, you may be asked to enter a company code. If you don’t know your code, contact your HR department.
Not sure if your company participates? Find out by contacting your local U.S. Bank branch or by calling U.S. Bank 24-Hour banking at 866-540-8590. We accept relay calls.
A smarter way to bank
The U.S. Bank Smartly™ Checking account offers special benefits to our Workplace Banking customers. Apply online in minutes with an opening deposit of $25.
These are just some of the benefits all account holders enjoy:
- $0 monthly maintenance fees. There are four easy ways to get them waived.1
- $0 ATM transaction fees at U.S. Bank and MoneyPass® Network ATMs2, 3
- $0 overdraft protection transfers made from an eligible linked U.S. Bank deposit account4
- $0 overdraft fees when overdrawn $50 or less5
- Overdraft Fee Forgiven6 program
- Ability to earn interest on your checking account7
Grow with us.
Enroll in the Smart Rewards™ program when you open your Bank Smartly™ Checking account for the opportunity to earn additional rewards and benefits. As you grow your combined balances with us, you’ll automatically move through our four-tier program and your benefits will grow with each tier.
As part of the program benefits, our affiliate U.S. Bancorp Investments offers a variety of products and services. Whether you want personal financial planning guidance or just prefer to invest online, there are options to meet your needs.
Receive special pricing on Automated Investor.
Pay $0 advisory fees for the first 12 months, then just 0.24% of invested assets per year, billed quarterly. Learn about other investment products available to you through a financial phone consultation with a Wealth Management Advisor.
Help grow your wealth with personalized guidance.
Get assistance from a wealth management professional backed by a team of specialists. They’ll create a customized wealth plan based on your goals. Get started with a free consultation by calling 844-724-3678. We accept relay calls.
Take control of your financial wellness.
Bank Smartly™ with U.S. Bank by tapping into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness. Download the U.S. Bank Mobile App and explore ways to manage cash easily, move money safely and save and spend wisely.
Take charge of your finances with Financial IQ.
Gain financial confidence for your life journey with practical tips, articles and tools from Financial IQ.
Conquering credit
Explore credit and why it matters, the five C’s of credit, ways to improve a credit score and more.
Saving vs. investing
Review the pros and cons of each and how to use both as part of your overall financial strategy.
Journey to home ownership
Navigate the path to your new home with three key steps in the home buying process.
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Members of the military (requires self disclosure) and customers 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 hold an eligible 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 disclosure for more details.
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If a Non-U.S. Bank ATM transaction fee applies, U.S. Bank will assess this fee for each ATM transaction conducted at the Non-U.S. Bank ATM. Additionally, Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. If you use an ATM that uses the MoneyPass® Network and are charged a fee, please contact us at 800-USBANKS (872-2657) for a refund. To find MoneyPass® ATM locations, select Show MoneyPass® ATM Network locations in the ATM locator.
Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen. Please refer to the Consumer Pricing Information disclosure (PDF) section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.
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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 SmartlyTM Checking accounts.
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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 section titled Overdraft Protection Plans for additional information.
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In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of four Overdraft Paid Fees per day, no matter how many items we pay on your behalf.
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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, ATMs 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 for full funds availability details.
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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.
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When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
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For purchase or refinance transactions, the maximum discount is $1,000. Certain mortgages may not be eligible for stated discount. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. To receive the U.S. Bank customer discount, a U.S. Bank Smartly™ Checking account must be established prior to final loan approval or, must have an existing first mortgage with U.S. Bank.
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In its Q3 2021 Mobile Banker Scorecard, the industry benchmarking firm Keynova Group ranked U.S. Bank #1 overall in mobile banking, including #1 for mobile app.
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The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.
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In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.
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In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more.
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Investment and Insurance products and services including annuities are:
Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not Insured by any Federal Government Agency
U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
For U.S. Bancorp Investments: Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #OE24641.
For U.S. Bank:
U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments.
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.
Equal Housing Lender
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.
U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402
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