Compare checking accounts.
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 Debit16 | ||
| 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. | ||
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Basic banking must-haves |
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| You'll get a U.S. Bank Visa® Debit Card,and Online/Mobile Banking with mobile check deposit1, bill pay and more. | ||||||
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Non-U.S. Bank fee ATM transactions |
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No U.S. Bank ATM Transaction fees at Non–U.S. Bank ATMs2. |
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(4 per statement period)
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Mobile check deposits |
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| You can deposit checks anytime with the U.S. Bank Mobile App1 – and there's no fee. | ||||||
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Personal Check Discounts |
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| Free U.S. Bank logo checks on initial check order or 50% discount on all other personal designs. 50% discount on any re-orders. (U.S. Bank logo or personal). | ||||||
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(first order of Student Checking Logo checks OR 50% off your first order of all other personal designs)
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(no checks)
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No fee for copies of checks and more |
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| 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. | ||||||
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Family member accounts |
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| 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.3 | ||||||
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Overdraft protection transfer discount |
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| 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). | ||||||
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| Reduced fees for Overdraft Protection Transfer Fee14 when transfers are made from a linked credit account (U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Premier Line, U.S. Bank Home Equity Line of Credit and other U.S. Bank lines of credit).. | ||||||
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(no fees)
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(reduced fees)
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Pays interest |
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| Platinum is an interest-bearing checking accounts, so you'll earn interest on the money you keep in your account.4 | ||||||
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A great savings account |
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| Open a Package Money Market Savings account for great interest rates with no monthly maintenance fee.5 | ||||||
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Our premier savings account |
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| Open a Platinum Select Money Market Savings account for great interest rates with no monthly maintenance fee.6 | ||||||
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Preferred rates for new loans |
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Eligible to save on closing costs |
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Exclusive Platinum benefits |
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Monthly maintenance fee |
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$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 |
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Ways to waive the monthly fee |
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No monthly maintenance fee with... $25,000 in combined personal deposits, credit balances12 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 card11 No monthly maintenance fee with... Combined monthly direct deposits totaling $1,000+ – OR – An average account balance13 of $1,500 – OR – Account holder (s) age 65 or greater Monthly Maintenance Fee cannot be waived |
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Paper Statement Fee |
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$2.00 Paper Statement Fee10 applies unless enrolled in eStatements. $2.00 Paper Statement Fee10 waived for account holder (s) age 65 or greater $2.00 Paper Statement Fee10 applies unless enrolled in eStatements. No Paper Statement Fee |
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Mobile Check Deposit – Eligibility requirements and restrictions apply. Please refer to the Online and Mobile Financial Services Agreement for more information.
Return to content, Footnote 1
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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 brochure for a list of each type of ATM Transaction and 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, please visit www.moneypass.com
Return to content, Footnote 2
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Additional 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.
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Variable 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.
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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.
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Platinum 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.
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To 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 lien mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Checking Package. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information brochure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
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The U.S. Bank Customer Credit is calculated as 0.25% of the loan amount. The maximum customer credit amount is $1,000. For an existing U.S. Bank home mortgage, the maximum refinance customer credit is $300 and may only be applied once per property within a 12 month period. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers. 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.
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No-commission trades – Offer is for 25 free trades and applies to online trades of equities and exchange-traded funds only. At least $1,000 in cash or securities is required to open a Self-Directed brokerage account. Free trades will be applied once funding is confirmed. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. This is a one-time offer and is not renewable. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://m.usbank.com/uploads/PDFs/schedule-of-commissions-and-fees.pdf.
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Paper statement fees – Additional fees may apply for Statements with Check Images and Statements with Check Return. Check Images are available with Paper or eStatements. 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. Refer to the Consumer Pricing Information brochure for a summary of fees, terms and conditions that apply. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
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Gold Monthly Maintenance Fee waiver – Qualifying accounts include U.S. Bank Premier Lines, 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.
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Combined 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 Premier Line, 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.
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Average 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.
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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 $5.00 or less, the amount advanced will be $5.00 and the Overdraft Protection Transfer Fee will be waived. Refer to the Consumer Pricing Information brochure and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
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If 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.
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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.
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Refer to Your Deposit Account Agreement and the Consumer Pricing Information brochure 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
*For U.S. Bancorp Investments:
Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.
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:
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 is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments.
year U.S. Bank
