With Gold Checking, you pay no monthly maintenance fees as long as you also have an open U.S. Bank personal loan, line or credit card.1  

Don't have a U.S. Bank credit card?

You can apply for one when you open your Gold Checking Package account. Select from more than 30 cards, including our popular U.S. Bank Cash+™ Visa Signature® Card or U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card, which let you choose the travel rewards you really want.

Other financing needs?

U.S. Bank offers competitive rates on auto loans, home equity loans and lines, and personal loans and lines – and as long as you have one of these accounts open, your Gold Checking monthly maintenance fees will be waived.

Gold Checking 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, bill pay and more.

More no-fee ATM transactions

Get 2 "no U.S. Bank fee" transactions per statement period at non-U.S. Bank ATMs. (Note: Non-U.S. Bank ATM owners will charge their own fee unless they participate in the MoneyPass® Network.)

Family member accounts

Get up to 2 additional Easy Checking accounts – ideal for family money management – with no monthly maintenance fee as long as you’re a co-owner of the account.

Overdraft transfer discount

Pay reduced fees for overdraft protection transfers made from your Reserve Line, savings account, or any other overdraft-protection account you designate.4

Benefits beyond checking

With your Silver, Gold or Platinum Package Checking Package, these extra savings are waiting for you – whenever you need them. Do More, Save More with U.S. Bank.

A great savings account

Competitive interest rates and no monthly maintenance fees are two big benefits of our Package Money Market Savings account, available to Silver or Gold Checking Package customers,2  and our Platinum Select Money Market Savings account, available only to our Platinum Checking Package customers.3  And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.4

Preferred rates for new loans

You'll pay a lower interest rate on a new auto loan, personal loan, or home equity loan or line of credit when you have a Silver, Gold or Platinum Package Checking account and meet the normal credit approval and eligibility requirements.5 You're also eligible for a discount on your mortgage loan closing costs with a new or existing U.S. Bank Personal Checking Package.6 Take 0.25% of your loan amount and deduct it from your closing costs, up to a maximum of  $1,000.7

Have a strong credit score?

The U.S. Bank Because You've Earned It™ Program recognizes the hard work and discipline it takes to build a solid credit score – and rewards qualified Gold Checking Package customers with extra benefits.8

Pricing and features

Monthly maintenance fee

  • $12.95

    With paper statements9

  • $10.95

    With eStatements

  • $0

    With a U.S. Bank personal loan, line or credit card1

Other fees

The most common checking fees are listed in the Gold Checking Simple Snapshot (PDF), an easy-to-read summary of pricing and features to help you use this account. For more detailed information, see Consumer Pricing Information and Your Deposit Account Agreement.

Apply now

Our online application is fast and secure

Fast

Open a checking account online in minutes, and fund it with your credit or debit card.

Secure

We use the strongest available 128-bit encryption to protect any information you send.