Our top-tier account, with the best rates and all the perks.

The Platinum Checking Package is an interest-bearing checking account that gives you everything from free checks and money orders to discounts that could save you hundreds on your next home mortgage or refinance.ao8jj27 

And if you already have a mortgage or personal loan with U.S. Bank or higher balances in your U.S. Bank personal deposit accounts, you may be able to waive the monthly maintenance fee.

Platinum Checking benefits

Pays interest

Platinum Checking is an interest-bearing checking account, so you’ll earn interest on the money you keep in your account. (view rates)

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

No U.S. Bank fee charged for Non-U.S. Bank ATM Transactions. (Note: Non-U.S. Bank ATM owners will charge their own fee unless they participate in the MoneyPass® Network.)

Free mobile check deposits

You can deposit checks anytime with the U.S. Bank Mobile appqg6mi4 – and there’s no fee for standard deposits to your Platinum Checking account.ajcze8 

No-fee overdraft transfers

Pay no fees for overdraft protection transfers made from your Reserve Line, savings account, or any other overdraft-protection account you designate.2xnixy 

Free personal checks

Choose free U.S. Bank logo checks, or express yourself with a 50% discount on other personal designs, including dozens of colleges and universities.

No-fee money orders and more

Pay no U.S. Bank fees for money orders, cashier’s checks, and copies of checks and statements. Plus, get a safe deposit box at half off the annual fee.

Family member accounts

Get 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.ngje4z 

Benefits beyond checking

With your Silver, Gold or Platinum Package Checking account, 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,j7q5vg  and our Platinum Select Money Market Savings account, available only to our Platinum Checking Package customers.96op0l  And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.2xnixy 

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.a6pqqbx  You may also qualify for a home loan origination discount of up to $1,000.

Exclusive Platinum benefits

  • You’ll pay no annual fee on a Home Equity Line of Credit if you also have a Platinum Checking account.
  • Looking for a more rewarding credit card? Earn a new account bonus for select U.S. Bank and FlexPerks credit cards with your Platinum Checking account. Learn more
  • Are you an active, hands-on investor? Your Platinum Checking account entitles you to 25 free tradesah79j73 when you open a new self-directed brokerage or IRA account through our U.S. Bancorp Investments* affiliate. Learn more

Pricing and features

Monthly maintenance fee

$19.95With paper statements8pwi1h 
$17.95With online statements
$0With online statements

and either –

$25,000 in combined personal deposits, investments* and/or credit balancesa6d169w

– or –

A relationship with U.S. Bank Trust Services

Other fees

The most common checking fees are listed in the Platinum 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.

Our online application is fast, secure and mobile-friendly.


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


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


Our application is 100% touch-enabled and mobile-optimized, so you can start right now.

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