Take control of your cash with a Safe Debit Account.

These Safe Debit Account1 benefits are all the tools you need to make banking a breeze.

Don't just take our word for it.

U.S. Bank Safe Debit Account has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2016.

Easy to open.
Easy to use.

A Safe Debit Account helps you manage your money, and gives you the tools to track your spending, monitor your credit, and start building a solid financial future. Get started with an initial deposit of $25.

Apply online in minutes.

Add money to your account with an online transfer or at a branch.

Use your Visa®Debit Card for purchases or our thousands of ATMs to access cash.

Frequently asked questions

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  1. No checks issued/use of checks is not permitted. Safe Debit Account subject to terms and conditions and fees and charges for select services. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions (PDF) and Safe Debit Account Pricing and Information guide (PDF).

  2. Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

  3. We will not charge you an Overdraft Paid Fee, but you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive.

  4. Free credit score access, alerts and Score Simulator through TransUnion’s CreditView Dashboard® are available to U.S. Bank online and mobile banking clients. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.

  5. FDIC insured to the maximum allowed by law.

  6. 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.

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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.

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

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.