Zip Modal will appear on page load
Our military checking benefits are one way we show our support for service members and veterans. Military checking benefits are available only to current or former members of the U.S. Armed Forces. We may request additional information for verification.
Are you a current of former member of the U.S. Armed Forces?
U.S. Bank doesn't offer checking or savings accounts in your area. To help you meet your financial goals, please consider other U.S. Bank products. If you are an active duty military member, please call 800.239.3302.
Military checking benefits are available only to current or former members of the U.S. Armed Forces.
This offer isn't valid in your area. If you have questions, please call
This offer is not available in your location. View your current rates.
Let's try something else.
This offer is not available in your location. View
current rates in your area or call 800.720.BANK (2265) for more information.
Let's try something else.This offer isn't valid in your area. If you have questions, please call 800.959.3690 . Thank you.
This link takes you to an external website or app, which may have different privacy and security policies than U.S. Bank. We don't own or control the products, services or content found there.
End of pop up window. Press escape to close or press tab to navigate to available options.
This handy checking account comparison chart can help you compare checking accounts. Compare features and benefits to find the best checking accounts for your needs.
You are comparing the Platinum, Gold, Easy, Student, Debit accounts
Platinum | Gold | Easy | Student | Safe Debit19 |
---|
Platinum | Gold | Easy | Student | Safe Debit19 | ||||
---|---|---|---|---|---|---|---|---|
Description |
Our top-tier account, with the best rates and all the perks. Learn more |
Extra benefits for U.S. Bank credit card and loan customers. Learn more |
A basic checking account with great standard features. Learn more |
A basic checking account with features ideal for students. Learn more |
A bank account with no checks and no overdraft fees. Learn more |
|||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
You'll get a U.S. Bank Visa® Debit Card, and Online/Mobile Banking with mobile check deposit1, bill pay and more. | ||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
No ATM Transaction fees for Non–U.S. Bank ATM Transactions2. |
(no limit) | (2 per statement period) | (4 per statement period) | |||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
You can deposit checks anytime with the U.S. Bank Mobile App1 – and there's no fee. | ||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
First box of U.S. Bank logo checks free or 50% discount on all other personal designs. 50% discount on any re-orders. (U.S. Bank logo or personal)3 . | (first box of Student Checking Logo checks OR 50% off your first order of all other personal designs)3 | (no checks) | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
No U.S. Bank fee for photocopy requests of checks and paper statements. Plus, get a safe deposit box at half off the annual fee. | ||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
Get additional Easy Checking accounts - ideal for family money management - with no monthly maintenance fee as long as you're a co-owner of the account.4 | (no limit) | (up to 2 accounts) | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
There is no Overdraft Protection Transfer Fee when a transfer is made from a linked deposit account (U.S. Bank consumer savings account, money market or a secondary checking account). |
||||||||
Reduced fees for Overdraft Protection Transfer Fee5 when transfers are made from a linked credit account (U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Personal Line of Credit, U.S. Bank Home Equity Line of Credit and other U.S. Bank lines of credit).. | ![]() |
![]() |
![]() |
![]() |
![]() |
|||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
Platinum is an interest-bearing checking accounts, so you'll earn interest on the money you keep in your account.6 | (view rates) | |||||||
Benefits beyond checking |
||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
Open a Package Money Market Savings account for competitive interest rates with no monthly maintenance fee.7 | ||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
Open a Platinum Select Money Market Savings account for exclusive interest rates with no monthly maintenance fee.8 | ||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
|
||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.9 You may be eligible for this customer credit with a U.S. Bank Personal Checking Package, or an existing U.S. Bank first mortgage.10 | ||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
|
||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
Pricing and Features |
||||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
|
$24.95 | $14.95 | $6.95 | $0 | $4.95 | |||
|
$0 | $0 | $0 | $0 | $0 | |||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
No monthly maintenance fee with ... $25,000 in combined personal deposits, credit balances15 with U.S. Bank and/or investments* through U.S. Bancorp Investments - OR - A personal trust relationship with U.S. Bank Wealth Management. | No monthly maintenance fee with... An open U.S. Bank personal loan, line or credit card14 | No monthly maintenance fee with... Combined monthly direct deposits totaling $1,000+ - OR - An average account balance16 of $1,500 - OR - Account holder (s) age 65 or greater | ![]() |
Monthly Maintenance Fee cannot be waived | ||||
![]() |
![]() |
![]() |
![]() |
![]() |
||||
$2.00 Paper Statement Fee17 is waived.18 | $2.00 Paper Statement Fee17 is waived.18 |
$2.00 Paper Statement
Fee17 applies unless
enrolled in eStatements. $2.00 Paper Statement Fee17 waived for account holder (s) age 65 or greater |
No $2.00 Paper Statement Fee17 applies unless enrolled in eStatements. | No Paper Statement Fee | ||||
Miscellaneous, Other, Foreign Check/Currency Fees (please refer to the Consumer Pricing Information disclosure for additional fees) | Misc/Other fees | Misc/Other fees | Misc/Other fees | Misc/Other fees | Misc/Other fees |
Platinum | Gold | Easy | Student | Safe Debit19 |
Platinum | Gold | Easy | Student | Safe Debit19 | ||
Our top-tier account, with the best rates and all the perks. | Extra benefits for U.S. Bank credit card and loan customers. | A basic checking account with great standard features. | A basic checking account with features ideal for students. | A bank account with no checks and no overdraft fees. | ||
Basic banking must-haves |
||||||
You'll get a U.S. Bank Visa® Debit Card,and Online/Mobile Banking with mobile check deposit1, bill pay and more. | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
ATM Transactions |
||||||
No ATM Transaction fees for Non–U.S. Bank ATM Transactions2. |
||||||
![]() |
![]() |
![]() |
![]() (4 per statement period)
|
![]() |
||
Mobile check deposits |
||||||
You can deposit checks anytime with the U.S. Bank Mobile App1 – and there's no fee. | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Personal Check Discounts |
||||||
First box of U.S. Bank logo checks free or 50% discount on all other personal designs. 50% discount on any re-orders. (U.S. Bank logo or personal3. | ||||||
![]() |
![]() |
![]() |
![]() (first box of Student Checking Logo checks OR 50% off your first order of all other personal designs)3
|
![]() (no checks)
|
||
No fee for copies of checks and more |
||||||
No U.S. Bank fee for photocopy requests of checks and paper statements. Plus, get a safe deposit box at half off the annual fee. | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Family member accounts |
||||||
Get additional Easy Checking accounts – ideal for family money management – with no monthly maintenance fee as long as you're a co-owner of the account.4 | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Overdraft protection transfer discount |
||||||
There is no Overdraft Protection Transfer Fee when a transfer is made from a linked deposit account (U.S. Bank consumer savings account, money market or a secondary checking account). | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Reduced fees for Overdraft Protection Transfer Fee5 when transfers are made from a linked credit account (U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank personal Line of Credit, U.S. Bank Home Equity Line of Credit and other U.S. Bank lines of credit).. | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Pays interest |
||||||
Platinum is an interest-bearing checking accounts, so you'll earn interest on the money you keep in your account.6 | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
A package savings account |
||||||
Open a Package Money Market Savings account for competitive interest rates with no monthly maintenance fee.7 | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Our premier savings account |
||||||
Open a Platinum Select Money Market Savings account for exclusive interest rates with no monthly maintenance fee.8 | ||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Preferred rates for new loans |
||||||
|
||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Eligible to save on closing costs |
||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Exclusive Platinum benefits |
||||||
|
||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Other benefits |
||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Monthly maintenance fee |
||||||
$24.95 Monthly maintenance fee when below waiver options are met below $0 $14.95 Monthly maintenance fee when below waiver options are met below $0 $6.95 Monthly maintenance fee when below waiver options are met below $0 $0 $2 monthly fee10 $4.95 |
||||||
![]() |
![]() |
![]() |
![]() |
![]() |
||
Ways to waive the monthly fee |
||||||
No monthly maintenance fee with... $25,000 in combined personal deposits, credit balances15 with U.S. Bank and/or investments* through U.S. Bancorp Investments – OR – A personal trust relationship with U.S. Bank Wealth Management. No monthly maintenance fee with... An open U.S. Bank personal loan, line or credit card14 No monthly maintenance fee with... Combined monthly direct deposits totaling $1,000+ – OR – An average account balance16 of $1,500 – OR – Account holder (s) age 65 or greater Monthly Maintenance Fee cannot be waived |
||||||
![]() |
![]() |
![]() |
![]() |
|||
Paper Statement Fee |
||||||
$2.00 Paper Statement Fee17 applies unless enrolled in eStatements. $2.00 Paper Statement Fee17 waived for account holder (s) age 65 or greater $2.00 Paper Statement Fee17 applies unless enrolled in eStatements. No Paper Statement Fee |
||||||
![]() |
![]() |
![]() |
![]() |
![]() |
Select up to 5 products to compare.
Select up to 4 products to compare.
Select up to 2 products to compare.
Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
Return to content, Footnote 1ATM Transactions: If a Non-U.S. Bank ATM Transaction fee applies, U.S. Bank will assess a fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Please refer to the Consumer Pricing Information disclosure for a summary of ATM Transaction fees. Additionally, Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator.
Return to content, Footnote 2When changing existing checking or checking package options (or adding Senior benefits) check order discounts may not be immediately available, but will generally be available within 5 business days.
Return to content, Footnote 3Additional checking accounts – Platinum and Gold Checking Package customers can open additional Easy Checking accounts with no monthly maintenance fee. Requires at least one identical account holder on all accounts. Gold Checking Package customers are limited to two Easy Checking accounts with no monthly maintenance fee.
Return to content, Footnote 4If 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 $5.00 or less, the amount advanced will be $5.00 and the Overdraft Protection Transfer Fee will be waived. Refer to the Consumer Pricing Information disclosure and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.
Return to content, Footnote 5Variable rate account – Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates disclosures on rates, compounding and crediting and other balance information.
Package Money Market eligibility - A U.S. Bank Package Money Market Savings account requires you to maintain an open U.S. Bank Silver or Gold Checking Package account with at least one common account holder on each account. The Package Money Market Savings account will be converted to a U.S. Bank Standard Savings account if the Silver or Gold Checking Package account is closed or transferred to a different non-qualifying product. NOTE: As of February 11, 2019, the Silver Checking Package will no longer be offered.
Return to content, Footnote 7Platinum Select Money Market eligibility – A U.S. Bank Platinum Select Money Market Savings account requires you to maintain an open U.S. Bank Platinum Checking Package account with at least one common account holder on each account. The Platinum Select Money Market Savings account will be converted to a U.S. Bank Standard Savings account if the associated Platinum Checking Package account is closed or transferred to a different non-qualifying product. If a Silver or Gold Checking Package also exists, the Platinum Select Money Market Savings account will be converted to a Package Money Market Savings account. NOTE: As of February 11, 2019, the Silver Checking Package will no longer be offered.
For purchase or refinance transactions, the maximum 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.
Return to content, Footnote 9To receive the U.S. Bank Customer Credit, a U.S. Bank Personal Checking Package must be established prior to final loan approval, or must have an existing first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Personal Checking Package. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information disclosure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657. 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.
Return to content, Footnote 10The following balances are included in combined personal balances. Deposit balances are the average monthly collected balances for U.S. Bank personal checking, savings, money market, CDs and IRAs. Outstanding credit balances are balances on U.S. Bank Personal Line of Credit, home equity loans and lines of credit, personal and purpose loans, credit cards, and home mortgages (25% of outstanding balance). Trust balances are the current account balance as of close of the prior day for eligible trust account types: IRAs, Agency accounts, Revocable Trust accounts and Custody accounts. Investment balances are the aggregate minimum daily balance of reported investment types reflected at U.S. Bancorp Investments. Held away investment balances may not reflect current market value, which may impact your combined personal balance. The combined personal balance qualification must be met to qualify for the overdraft fee waiver benefit. The benefit is effective for new accounts or accounts newly transferred to Platinum Checking on the business day after account opening or transfer, and for existing Platinum Checking accounts with the next statement cycle after benefit qualifications are met. The benefit applies to all eligible accounts of the Platinum Checking Package owners. After 12 months, combined personal balances are reviewed at the statement cycle for one year renewal of the overdraft fee waiver benefit.
Return to content, Footnote 11Free trades (Gold Checking Package) - Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
Return to content, Footnote 12Free trades (Platinum Checking Package) - Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Free trades requires enrollment in paperless documents for self-directed brokerage account (not required for existing brokerage accounts opened before March 31, 2019). Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
Return to content, Footnote 13Gold Monthly Maintenance Fee waiver – Qualifying accounts include U.S. Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and activated credit cards. (U.S. Bank Reserve Line of Credit and student loans are excluded.) Mortgage and credit products are subject to eligibility requirements and normal credit approval and may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details.
Return to content, Footnote 14Combined deposit, investment and credit balances – Combined deposit balances include the average monthly collected balances for U.S. Bank personal checking, savings, money market and IRA accounts and CDs. Outstanding credit balances include balances on U.S. Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and credit cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period with U.S. Bancorp Investments.
Return to content, Footnote 15Average account balance – 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 days within the statement period. Business days are Monday through Friday; federal holidays are not included.
Return to content, Footnote 16Paper statement fees – Additional fees may apply for Statements with Check Images and Statements with Check Return. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section in your Consumer Pricing Information disclosure. Check Images are available with paper or e-statements. Check Return is only available with Paper Statements. Accounts with the Senior customer indicator receive $1.00 discount per statement cycle for Statement with Check Return fee and the Statement with Check Images fee is waived.
Return to content, Footnote 17If enrolled in paper statements, your statement will show a $2.00 Paper Statement Fee which will then be reversed as part of being a Gold or Platinum Checking Package customer.
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 and Safe Debit Account Pricing and Information guide.
Refer to Your Deposit Account Agreement and the Consumer Pricing Information disclosure for a summary of fees, terms, and conditions that apply. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.
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. Bank:
U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association, Member FDIC.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
Equal Housing Lender
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.
The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.
U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402
year U.S. Bank