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Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.
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Mobile Check Deposit – Eligibility requirements and restrictions apply. Please refer to the Online and Mobile Financial Services Agreement and Fee Guide for more information.
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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 – Rates are determined at the bank's discretion and may change at any time. See the Current Deposit Rates for 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, Gold or Platinum Package Checking account is closed or transferred to a different non-qualifying product.
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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 another Silver or Gold Checking Package account exists, the Platinum Select Money Market Savings account will be converted to a Package Money Market Savings account.
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To receive the discount, a U.S. Bank Personal Checking Package must be established prior to loan closing. 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.
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The mortgage origination discount is calculated as 0.25% of the loan amount. The maximum mortgage discount is $1,000. For existing U.S. Bank home mortgages, the maximum refinance discount is $300. Certain mortgages may not be eligible for stated discounts. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered by U.S. Bank National Association.
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No-commission trades – Offer is for 25 no-commission investment 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. No-commission 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.
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Silver Checking Accounts – Platinum Checking Package customers can open additional Silver Checking Packages with no monthly maintenance fee. Requires at least one identical account holder on all accounts.
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Paper statement fees – Additional fees apply for statements with check images or check return. Refer to the Consumer Pricing Information brochure for a summary of fees that apply to Statements.
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Student paper statement fee – When you open a Student Checking account, you will receive paper statements unless you switch to free eStatements. The fee for paper statements is $2 per month.
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Silver combined deposit balance – The combined balance is the total average account balance of the Silver Checking Package and all Package Money Market Savings accounts you own. The average account balance is calculated by adding the combined balance at the end of each calendar day during the statement period, up to and not including the last business day of the statement period, and dividing that sum by the number of days used. Business days are Monday through Friday; federal holidays are not included.
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Gold fee waiver accounts – Qualifying accounts include U.S. Bank Premier Lines, home mortgages, home equity loans and lines of credit, personal purpose loans and activated credit cards. (U.S. Bank Reserve Line of Credit and student loans are excluded.) 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. Mortgage loans, Home Equity loans and lines of credit, and Credit Cards are offered by U.S. Bank National Association.
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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 purpose loans (excluding some indirect 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.
Accounts may be assessed other fees. See the Deposit Account Agreement and Consumer Pricing Information for additional disclosures and a list of fees and services applicable to deposit accounts.
Investment products and services 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.
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