Basic checking with all our standard features

Easy Checking details

Monthly maintenance fee

$0 or $6.95

How to waive the monthly maintenance fee

There are three ways:

  • You have combined monthly direct deposits totaling $1,000 or more.
  • You keep an average account balance1 of $1,500 or more.
  • You are age 65 or greater.


Other fees

A $2 paper statement fee2 applies unless the account is enrolled in e-statements. This fee is waived for account holders age 65 or greater.

Easy Checking Account benefits

Includes the "must-haves" for basic checking accounts

Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking with mobile check deposit,3 bill pay and more.

Includes no-fee overdraft protection transfers

Pay no overdraft protection transfer fees when the transfer is made from a linked U.S. Bank consumer savings, money market or secondary checking account.4 Overdraft protection transfer fees apply when transfers are made from a linked U.S. Bank credit account, including Reserve Line of Credit, credit card, personal line of credit, home equity line of credit and other lines of credit.4

More information

Learn more about additional features and pricing by checking out the following resources:

Open an account online.

It’s fast and easy, typically taking only a few minutes. You can feel confident your information is safe with us. We use the strongest available encryption to keep your information secure. Here’s what you’ll need to open an account online.

All our accounts can be opened jointly. Simply select the Joint option when applying.

Note: Opening a joint Easy Checking account with a minor must be done in person. Just stop by a local branch together and a banker will be happy to help you. Or schedule an appointment in advance. Learn more about opening an account for a minor.

Frequently asked questions

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