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Enjoy the benefits of our Financial Wellness Program.

Join the program to get access to:

  • Free personalized sessions with a U.S. Bank Goals Coach
  • Special rewards and exclusive offers
  • The Financial Wellness Hub with personalized tips and resources

As a U.S. Bank client, you can take advantage of an array of tools in our award-winning mobile app and online banking.

Take control of your future.

U.S. Bank Goals Coaching

Your dreams aren’t just about money, and neither is goals coaching. Our coaches can help you turn your passions into plans so you can build the life you want.

Unlock your financial possibilities.

Discover learning modules designed for your specific interests. Get the tips and tools to help you reach your goals.

Bank smarter with a U.S. Bank Smartly® Checking account.

Easy, fast and secure – apply in under five minutes with an opening deposit of $25.

  • $0 overdraft fees for overdrawn balances of $50 or less1 
  • Overdraft Fee Forgiven program2 when overdrawn $50 or more 
  • $0 monthly maintenance fee when qualifiers are met (otherwise $6.95)3
  • $0 ATM transaction fees at U.S. Bank ATMs4
  • ATM transaction fees waived on the first two Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after two)4
  • 50% discount on personal checks ordered through the mobile app or online banking 5
  • Exclusive U.S. Bank Smart Rewards® program
illustration of the U.S. Bank mobile app

Start your home-buying journey on the right foot.

Whether you’re a first-time homebuyer, a seasoned professional or somewhere in between, you have unique needs. We have solutions to meet them.

  • A fast, free pre-qualification process that doesn’t impact your credit score
  • Tools and calculators to help guide your decision-making 
  • Experienced, dedicated professionals committed to your needs 
  • A wide-range of home-buying resources
  • A mortgage loan closing cost credit of 0.25% on your new first mortgage loan amount, up to a maximum of $1,000.6
Automated Investor screenshots on two phones.
U.S. Bank Investments logo

Make investing easier.

Receive exclusive pricing on Automated Investor from U.S. Bancorp Investments, an affiliate of U.S Bank. Automated Investor combines investing expertise with smart technology to automatically manage your investments based on your financial goals and market volatility. If you need additional help, financial professionals are just a phone call away.

Note: Pay no advisory fees for the first 12 months. After the first 12 months, pay just 0.24% on invested assets per year.7

You deserve the best.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. Industry experts ranked us #1 for:

  • Best mobile app8
  • Best digital mortgage tools9
  • Best customer service features10
  • Best mobile check deposit11
Logo of the Apple App Store   Logo of the Google Play Store
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  1. 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 three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

  2. 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.

  3. 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 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.

  4. ATM Transaction FeeU.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  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.

    ATM Surcharge.  Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  5. 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.

  6. To be eligible for the U.S. Bank Corporate Programs client credit, you need to be employed by, a member of, or affiliated through a participating U.S. Bank Corporate Programs client. For purchase or refinance transactions, the maximum client credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. 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.

  7. Annual advisory fee is 0.24% of invested assets, billed quarterly with a minimum investment of $1,000. Your annual advisory fee doesn’t include ETF fees and expenses which are reflected in the daily pricing of the fund, or other account level fees as described in our Automated Investor Wrap Fee Program Brochure.

  8. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile apps in its Q1 2023 Mobile Banker Scorecard.

  9. 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.

  10. 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.

  11. 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 #0E24641.

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, Inc.

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.

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 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.