An interest bearing account with competitive rates, and discounts that could save you hundreds on your next home mortgage or refinance. And if you already have a mortgage or personal loan with U.S. Bank or higher balances (see below) in your U.S. Bank personal deposit accounts, you may be able to waive the monthly maintenance fee.
Additionally, enjoy up to 100 free trades1 per calendar year with a self-directed brokerage account through our affiliate, U.S. Bancorp Investments.*
Platinum Checking benefits
Basic banking must-haves
100 free trades1 per calendar year with a self-directed brokerage account through our affiliate, 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 brokerage and IRA accounts
Platinum Checking is an interest-bearing checking account, so you’ll earn interest on the money you keep in your account. (view rates)
No ATM Transaction fees for Non-U.S. Bank ATM Transactions.4
No-fee overdraft protection transfers
Pay no fees for overdraft protection transfers made from your U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Premier Line, U.S. Bank Home Equity Line of Credit, and other U.S. Bank Lines of Credit 5
Personal Check Discounts
Free U.S. Bank logo checks on initial check order or 50% discount on all other personal designs. 50% discount on any re-orders (U.S. Bank logo or personal).6
No fees for copies of checks and more
No U.S. Bank fee for photocopy requests of checks and paper 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.7
A great savings account
Competitive interest rates and no monthly maintenance fees are two big benefits of our Package Money Market Savings account,8 available to Gold Checking Package customers, and our Platinum Select Money Market Savings account,9 available only to our Platinum Checking Package customers. And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.10
Eligible to save on closing costs
Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.11 You may be eligible for this Customer Credit with a U.S. Bank Personal Checking Package, or with an existing U.S. Bank first mortgage.12
Exclusive Platinum benefits
Pricing and features
Monthly maintenance fee
With $25,000 in combined personal deposits, credit balances13 with U.S. Bank and/or investments* through U.S. Bancorp Investments
- or -
A personal trust relationship with U.S. Bank Wealth Management
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.
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