Gold Checking Package details

Monthly maintenance fee

$0 or $14.95

How to waive the monthly maintenance fee

The monthly maintenance fee can be waived if you have an open U.S. Bank personal loan, line, mortgage or credit card.1

Gold Checking Package benefits

ATM transactions

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.

No-fee overdraft protection transfers

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,3 including a Reserve Line of Credit, credit card, personal line of credit, home equity line of credit and other lines of credit.

Basic banking must-haves

Family member accounts

Get up to two additional Easy Checking accounts for family members, including minors, with no monthly maintenance fee.5 Learn how to open an account for a minor.

Benefits beyond checking

A great savings account

Earning interest and paying no monthly maintenance fees are two big benefits of our Package Money Market Savings account,6 available to our Gold Checking Package customers. Like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.

Eligibility to save on closing costs

Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.7 You may be eligible for this customer credit with a U.S. Bank personal checking package or with an existing first mortgage with U.S. Bank.8

100 free trades

Get 100 free trades9 per calendar year when you open a new self-directed brokerage account through our affiliate, U.S. Bancorp Investments.

Additional information

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.

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.

Note: Opening a joint Gold 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.

Frequently asked questions

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Disclosures
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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
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XX-004 FDIC notice + credit + home
XX-041 Debit card issuer
CC-008 Creditor and issuer - Visa & AmEx
DA-017c DAA and CPI Disclosure No Phone Number
XX-011 Equal Housing Lender