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.
  • 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

Waived paper statement fees

Pay no fees for copies of checks and paper statements.5,6

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.

Eligibility 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 first mortgage with U.S. Bank.12

Other exclusive benefits

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


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