It's time for a little payback.

That’s the idea behind Because You've Earned It – a unique program that recognizes the hard work and discipline it takes to build a solid credit score. And if your VantageScore® 3.0 credit score qualifies, you can enroll right now.1

Membership is free ... And look what you get.

Because You've Earned It members get a consumer Gold Checking Package with no monthly maintenance fee, full access to TransUnion® CreditView™, and express delivery for replacement debit cards.

A Gold Checking Package with no monthly maintenance fee

The Gold Checking Package is a good choice for our credit-card and loan customers.

Along with the monthly maintenance fee waiver, you'll also get these standard Gold Checking Package benefits:

  • Basic banking must-haves – You'll get a U.S. Bank Visa® Debit Card, no-fee transactions at U.S. Bank ATMs, and Online/Mobile Banking with Mobile Check Deposit,3 bill pay and more.
  • More no-fee ATM transactions – Get two transactions per statement period at non-U.S. Bank ATMs with no U.S. Bank fees. (Note: Non-U.S. Bank ATM owners may charge their own fee unless they participate in the MoneyPass® Network.)
  • Family member accounts – Get up to two additional Easy Checking accounts – ideal for family money management – with no monthly maintenance fee. (Requires at least one identical account holder on all accounts.)
  • Overdraft transfer discount – 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). Pay reduced fees for Overdraft Protection Transfer Fee5 when transfers are made from a linked credit account (U.S. Bank Reserve Line, credit card, Premier Line, Home Equity Line of Credit, and/or other lines of credit).

For more information, see the Gold Checking Simple Snapshot (PDF), an easy-to-read summary of pricing and features to help you understand your Gold Checking Package.

Full access to TransUnion CreditView

The CreditView Dashboard shows your VantageScore 3.0 credit score and ranking compared to the population.4  Log in to see how your credit score changes over time and learn about each of the critical factors behind your current score. And use the Score Simulator to see instantly how changing any of these factors (by paying down debt or applying for new credit, for example) could impact your score.

Express debit card delivery

You know that a debit card can be a lifeline for unexpected expenses and emergency cash. And as a Because You've Earned It member, you’ll get free express delivery of a replacement card if your U.S. Bank Visa® Debit Card is ever lost or stolen. (Free express delivery is limited to one card per calendar year.)

Ready to enroll?

If you think you have a strong credit score, we encourage you to take the next step. The eligibility credit check won't impact your credit score. And if you qualify, you can apply for your new checking account (if needed) and finish your enrollment online – and start enjoying these extra benefits today. Because … Well, you’ve earned it.

Related products

Gold Checking Package

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Premium Checking

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Student Checking  

Basic checking with features just for students.