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 on new auto loans, home equity loans or lines, and other personal loans

Choose the checking accounts you want to compare.

Easy Checking

Gold Checking Package

Platinum Checking Package

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

$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

Doesn’t earn interest

Doesn't earn interest

View rates

Doesn’t earn interest

Doesn't earn interest

Overdraft protection transfer discount

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 is waived⁹

$2 paper statement fee⁸ applies unless enrolled in e-statements

No paper statement fee

Personal check 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

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

Eligible to save on closing costs with the U.S. Bank customer credit^{14, 15}

Not eligible

No annual fee on a home equity line of credit

Offer not available

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Easy Checking

Gold Checking Package

Platinum Checking Package

Student Checking

Safe Debit Account

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