Compare checking accounts.
This handy comparison chart can help you compare checking account fees, features and benefits to find the best checking account for your needs.
All of our checking accounts include:
- Online and mobile banking and a U.S. Bank Visa® Debit Card
- Mobile check deposit1 with no fees
- Access to one of the largest ATM networks in America2
- No surcharges at MoneyPass® Network ATMs2
- Preferred rates with autopay on new auto loans, home equity loans, and other personal loans
- Preferred rates on home equity lines of credit
Choose the checking accounts you want to compare.
Easy Checking
Best for your regular, everyday banking needs
Gold Checking Package
Best if you’re a credit card or loan customer who wants extra benefits
Platinum Checking Package
Best if you’re an investment, mortgage, or loan customer who wants top-tier perks
Student Checking
Best if you want features just for students
Safe Debit Account
Best if you don't want checks or overdraft fees
Monthly maintenance fee
$6.95 or $0
$14.95 or $0
$24.95 or $0
$0
$4.95
Ways to waive the monthly maintenance fee
Have combined monthly direct deposits totaling $1,000+.
Keep an average account balance3 of $1,500.
The account holder(s) is age 65 or older.
Have an open U.S. Bank personal loan, line or credit card.4
Have $25,000 in combined personal deposits, credit balances5 with U.S. Bank and/or investments* through U.S. Bancorp Investments.
Maintain a personal trust relationship with U.S. Bank Wealth Management.
There’s no monthly maintenance fee.
The monthly maintenance fee can’t be waived.
Non-U.S. Bank ATM Transaction fees2
Fees apply
No ATM Transaction fees on 2 Non-U.S. Bank ATM Transactions2 per statement period
No ATM Transaction fees on Non-U.S. Bank ATM Transactions2
No ATM Transaction fees on 4 Non-U.S. Bank ATM Transactions2 per statement period
Fees apply
Interest bearing option6
Overdraft protection transfer discount
No overdraft protection transfer fee when a transfer is made from a linked deposit account.
No overdraft protection transfer fee when a transfer is made from a linked deposit account.
Reduced fees when transfer is made from a linked credit account.7
No overdraft protection transfer fee when a transfer is made from a linked deposit or credit account.7
No overdraft protection transfer fee when a transfer is made from a linked deposit account.
Account can't be overdrawn.
Paper statement fee
$2 paper statement fee8 applies unless enrolled in e-statements
$2 paper statement fee8 waived for account holders age 65 or greater
$2 paper statement fee8 applies unless enrolled in e-statements
No paper statement fee
Personal check discounts
No discounts
No 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 personal.10)
First box of Student Checking logo checks free or 50% off your first order of all other personal designs.10
No checks
Family member checking accounts
No additional accounts
Up to 2 Easy checking accounts with no monthly maintenance fee as long as you’re a co-owner of the account.11
No limit on additional Easy checking accounts with no monthly maintenance fee as long as you’re a co-owner of the account.11
No additional accounts
No additional accounts
Complementary savings account
No specified savings account
Open a Package Money Market Savings account with no monthly maintenance fee.12
Open a Platinum Select Money Market Savings account with no monthly maintenance fee.13
No specified savings account
No specified savings account
Not eligible
Not eligible
Not eligible
No annual fee on a home equity line of credit
Offer not available
Offer not available
Offer not available
Offer not available
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