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:

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

Doesn’t earn interest

Doesn't earn interest

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.

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 is waived9

$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

Eligible to save on closing costs with the U.S. Bank customer credit14, 15

Not eligible

Yes
Yes

Not eligible

Not eligible

No annual fee on a home equity line of credit

Offer not available

Offer not available

Yes

Offer not available

Offer not available

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Disclosures
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DA-017 DAA and CPI disclosure
WI-001 Not-not-may: USBI or dual
XX-023 Tax/legal advice - USBI + Bank
WI-040 USBI heading
WI-041 Investment/insurance products
WI-030 Bank heading
WI-031 Bank + USBI disclaimer
XX-004 FDIC notice + credit + home
XX-011 Equal Housing Lender
XX-041 Debit card issuer
XX-042 Credit card licensors