Yes. We’re committed to providing products and services designed to help military members and their families during and after their military career. Learn about our military checking benefits or explore all our military banking programs.
Platinum Checking Package
Experience our top-tier package with all the perks.
Platinum Checking Package details
Monthly maintenance fee
$0 or $24.95
How to waive the monthly maintenance fee
The monthly maintenance fee will be waived if any one of the following two conditions apply:
- You have $25,000 or more in combined personal deposits or credit balances1 with U.S. Bank and/or investments2 through U.S. Bancorp Investments.
Or
- You have a personal trust relationship with U.S. Bank Wealth Management.
Note: Contact a banker to learn how fees may be waived for current or former members of the Armed Forces. Learn how U.S. Bank supports those who serve.
Platinum Checking Package benefits
ATM transactions
Pay no ATM transaction fees for non-U.S. Bank ATM transactions.3
No-fee overdraft protection transfers
Pay no fees for overdraft protection transfers.
Basic banking must-haves
Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking, mobile check deposit,4 bill pay and more.
Personal check discounts
Get your initial box of U.S. Bank logo checks free, or enjoy a 50% discount on all other personal designs, with a 50% discount on any re-orders of U.S. Bank logo or personal designs.7
Family member accounts
Get additional Easy Checking accounts for family members, including minors, with no monthly maintenance fee.8 Learn how to open an account for a minor.
Interest-bearing account9
What is an interest bearing account? It’s an account that helps you get the most out of your money by paying you interest on your balance. Rates are determined at the bank’s discretion and can change at any time. View current rates.
Benefits beyond checking
An exclusive savings account
Earning interest and paying no monthly maintenance fees are two big benefits of our Platinum Select Money Market Savings account.10 Like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.
Other exclusive benefits
- Pay no annual fee on a U.S. Bank Home Equity Line of Credit.
- Get 100 free trades13 per calendar year when you open a new self-directed brokerage account through our affiliate U.S. Bancorp Investments.2
- Get a safe deposit box at half off the annual fee.
More information
Learn more about additional features and pricing by checking out the following resources:
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 Platinum Checking Package 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. Learn more about opening an account for a minor.
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.
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.
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Disclosures
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WI-001 Not-not-may: USBI or dual
XX-023 Tax/legal advice - USBI + Bank
WI-040 USBI heading
WI-041 Investment/insurance products
WI-030 Bank heading
WI-031 Bank + USBI disclaimer
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XX-004 FDIC notice + credit + home
XX-041 Debit card issuer
DA-017c DAA and CPI Disclosure No Phone Number
XX-011 Equal Housing Lender