$0 or $14.95
The monthly maintenance fee can be waived if you have an open U.S. Bank personal loan, line, mortgage or credit card.1
Pay no ATM transaction fees at U.S. Bank ATMs. Also, there are no ATM transaction fees on your first two non-U.S. Bank ATM transactions per statement period.2
Note: Non-U.S. Bank ATM transaction fees apply after two.
If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee.
Pay no fees for overdraft protection transfers made from a linked deposit account, including a U.S. Bank consumer savings account, money market or secondary checking account. Overdraft Protection Transfer Fees are reduced when transfers are made from a linked U.S. Bank credit account,4 including a Reserve Line of Credit, credit card, personal line of credit, home equity line of credit and other lines of credit.
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.
All our accounts can be opened jointly. Simply select the Joint option when applying. Here’s what you’ll need to open an account online.
Accounts for minors can only be opened jointly with an adult and must be opened in person at a branch. Stop by a local branch together and a banker will be happy to help you. Or schedule an appointment in advance.
Note: If the minor is 14 through 17 years old and wishes to open a joint Student Checking account or a joint Safe Debit account with an adult, they may do so together online. Here’s what you’ll need to open an account online.
You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Learn more about how to open your own first bank account.
A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check. A savings account is meant to help you grow your money or set aside funds for a big purchase.
It’s often beneficial to have both as part of your financial plan. Learn more about the differences between checking and savings accounts.