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

You'll get a U.S. Bank Visa^® Debit Card, and Online/Mobile Banking with Mobile Check Deposit², bill pay and more.

Free trades

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

Pays interest³

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

ATM Transactions 

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 Personal Line of Credit, U.S. Bank Home Equity Line of Credit, and other U.S. Bank Lines of Credit.⁵

Personal Check Discounts

Free initial box of U.S. Bank logo checks or 50% discount on other personal designs. 50% discount on 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.

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 $1,000.¹⁰ 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.¹¹

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 credit cards with your Platinum Checking account. Learn about Platinum Checking.