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 no commission 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.

No commission trades

100 no commission 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 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

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. Bank11. Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,00012.

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.

Pricing and features

Monthly maintenance fee

  • $0

    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

  • $24.95

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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Fast

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