One of the largest ATM networks in America
Choose any consumer checking account and we’ll waive the monthly maintenance fee and the minimum balance requirement. Safe Debit accounts are not eligible for military benefits.
We recommend our top-tier account, Platinum Checking Package, which features these benefits:
Opening a U.S. Bank consumer checking account* is just the beginning.
*Excludes Safe Debit Account.
When you open a select U.S. Bank credit card, you’ll be eligible for a new account bonus.
Our affiliate, U.S. Bancorp Investments, offers our Platinum and Gold Checking Package customers 100 free trades8 per calendar year with a self-directed brokerage account. This U.S. Bancorp Investments offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents for self-directed brokerage account. Learn about our brokerage and IRA accounts.
Learn more about our specialized benefits for veterans, how we support the military community and our military-friendly workplace culture.
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: Minors age 14 through 17 interested in opening a joint Student account or a joint Safe Debit account with an adult, may do so online. All other accounts for minors must be opened together in a branch. Stop by a local branch together and a banker will be happy to help you. Or schedule an appointment in advance.
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.
Learn more about opening an account for a minor.
*The Safe Debit Account is not eligible for military benefits.
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.
Get answers to other frequently asked questions and learn more about account services, features and benefits on our Checking customer resources page.