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 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. | ||
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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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ATM Transactions |
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No ATM Transaction fees for Non–U.S. Bank ATM Transactions2. |
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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)3. | ||||||
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(first order of Student Checking Logo checks OR 50% off your first order of all other personal designs)3
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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.4 | ||||||
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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 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 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.6 | ||||||
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A package savings account |
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| Open a Package Money Market Savings account for competitive interest rates with no monthly maintenance fee.7 | ||||||
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Our premier savings account |
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| Open a Platinum Select Money Market Savings account for exclusive interest rates with no monthly maintenance fee.8 | ||||||
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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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Other 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 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 |
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Paper Statement Fee |
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$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 |
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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
Return to content, Footnote 1 -
ATM Transactions: Transactions at Non-U.S. Bank ATMs may be assessed ATM Transaction fees that are disclosed in the Consumer Pricing Information brochure section titled “Miscellaneous Checking, Savings, or Money Market Fees.” 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.
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When 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.
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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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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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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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For purchase or refinance transactions, the maximum credit is $1,000. For customers located in a state with a U.S. Bank branch and who want to refinance their existing U.S. Bank home mortgage, the maximum credit is $300. 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. For a comprehensive list of account pricing, terms and policies see 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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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 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 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 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 Premier Line, 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 11
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Free 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://wm.usbank.com/uploads/PDFs/schedule-of-commissions-and-fees.pdf.
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Free 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://wm.usbank.com/uploads/PDFs/schedule-of-commissions-and-fees.pdf.
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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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Paper 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 brochure. 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.
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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.
Return to content, Footnote 18
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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.
Return to content, Footnote 19
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
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 products and services 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.
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.
year U.S. Bank