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.

Ways to waive overdraft fees

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.

If your Available Balance is overdrawn by $50.01 or more, you’re given extra time to potentially waive Overdraft Paid Fees on eligible accounts with Overdraft Fee Forgiven.3

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,4 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.6 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,7 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 $1,000.8 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.9

100 free trades

Get 100 free trades10 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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  1. Gold Monthly Maintenance Fee waiver – Qualifying accounts include U.S. Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and activated credit cards. U.S. Bank Reserve Line of Credit and student loans are excluded. Mortgage and credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details.

  2. If a non-U.S. Bank ATM transaction fee applies, U.S. Bank will assess a fee for each ATM transaction conducted at the non-U.S. Bank ATM. Additionally, non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass®Network. If you use an ATM that uses the MoneyPass® Network and are charged a fee, please contact us at 800-USBANKS (872-2657) for a refund. To find MoneyPass ATM locations, select Show MoneyPass® ATM Network locations in the ATM locator.

    Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen. Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees. When changing to Student, Gold or Platinum checking account types, corresponding non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle.

  3. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S.Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.

  4. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement section titled Overdraft Protection Plans for additional information

  5. Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

  6. Additional checking accounts – Platinum and Gold Checking Package customers can open additional Easy Checking accounts with no monthly maintenance fee. Requires at least one identical account holder on all accounts. Gold Checking Package customers are limited to two Easy Checking accounts with no monthly maintenance fee.

  7. Package Money Market eligibility - A U.S. Bank Package Money Market Savings account requires you to maintain an open U.S. Bank Silver or Gold Checking Package account with at least one common account holder on each account. The Package Money Market Savings account will be converted to a U.S. Bank Standard Savings account if the Silver or Gold Checking Package account is closed or transferred to a different non-qualifying product.

  8. For purchase or refinance transactions, the maximum credit is $1,000. For customers located in a state with a U.S. Bank branch and who want to refinance their existing U.S. Bank home mortgage, the maximum credit is $300. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information disclosure and Your Deposit Account Agreement. 

  9. To receive the U.S. Bank customer credit, a U.S. Bank Personal Checking Package must be established prior to final loan approval or must have an existing first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Personal Checking Package. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information (PDF) disclosure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit to learn more about U.S. Bank products and services. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

  10. Offer is for 100 free trades per calendar year (Jan. 1 through Dec. 31). Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information.

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Investment and insurance products and services including annuities are:
Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

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Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or American Express, and the card is available to United States residents only. American Express is a federally registered service mark of American Express.

Refer to Your Deposit Account Agreement and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.