The Platinum Checking Package is an interest bearing account with the best 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.

Platinum Checking benefits

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.

No U.S. Bank fee ATM transactions

No U.S. Bank fee charged for Non-U.S. Bank ATM Transactions. (Note: Non-U.S. Bank ATM owners may 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 app – and there’s no fee for standard deposits to your Platinum Checking account.1

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 2

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).

No fees for copies of checks and more

No fees for copies 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.4

  • Get additional Silver Checking Package accounts - ideal for family money management - with no monthly maintenance fee as long as you're a co-owner of the account11

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)

Benefits beyond checking

With your Silver, Gold or Platinum Package Checking Package, 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,5 available to Silver or Gold Checking Package customers, and our Platinum Select Money Market Savings account,6 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.3

Eligible to save on closing costs.

Eligible for the U.S. Bank Customer Credit with a new or existing U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank9. Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,00010.

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 FlexPerks credit cards with your Platinum Checking account. Learn about Platinum Checking.
  • Are you an active, hands-on investor? Your Platinum Checking account entitles you to 25 free trades7 when you open a new self-directed brokerage or IRA account through our U.S. Bancorp Investments* affiliate. Learn about brokerage and IRA accounts.

Pricing and features

Monthly maintenance fee

  • $24.95

  • $0

    With $25,000 in combined personal deposits, credit balances8 with U.S. Bank and/or investments* through U.S. Bancorp Investments
    - or -

    A personal trust relationship with U.S. Bank Wealth Management

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.

Apply now

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