We’re here for our military members.

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U.S. Bank Visa® Debit Card

U.S. Bank salutes you for your service.

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:

Benefits beyond checking

Opening a U.S. Bank consumer checking account* is just the beginning.

*Excludes Safe Debit Account.

Save on mortgage closing costs

Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.6 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.7

Credit with perks

When you open a select U.S. Bank credit card, you’ll be eligible for a new account bonus.

Free trades through U.S. Bancorp Investments

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.

More resources for our military members and veterans

Learn more about our specialized benefits for veterans, how we support the military community and our military-friendly workplace culture.

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: 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.

Learn more about opening an account for a minor.

Apply now

Frequently asked questions

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.

Ready to get started?

Apply now
Call 800-934-9555
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Disclosures

  1. Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass ATM locations, select Show MoneyPass® ATM Network locations in the ATM locator.

  2. For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that these alerts may not be sent immediately.

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

  4. Platinum Checking Package customers can open additional Easy Checking accounts with no monthly maintenance fee. Requires at least one identical account holder on all accounts.

  5. Variable rate account. Rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

  6. For purchase or refinance transactions, the maximum credit is $1,000. 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. 

  7. 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 Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 8008722657. 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 usbank.com 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.

  8. Free trades (Platinum Checking Package) - Offer is for 100 free trades per calendar year  (Jan. 1 through Dec. 31). Free trades requires enrollment in paperless documents for U.S. Bancorp Investments self-directed brokerage account (not required for existing brokerage accounts opened before March 31, 2019). 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:

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

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.

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.