$0 or $24.95
The monthly maintenance fee will be waived if any one of the following two conditions apply:
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.
Pay no ATM transaction fees for non-U.S. Bank ATM transactions.3
If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee.
Pay no fees for overdraft protection transfers.
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.8
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.
Accounts for minors can only be opened jointly with an adult and must be opened in person at a branch. Stop by a local branch together and a banker will be happy to help you. Or schedule an appointment in advance.
Note: If the minor is 14 through 17 years old and wishes to open a joint Student Checking account or a joint Safe Debit account with an adult, they may do so together online. Here’s what you’ll need to open an account online.
You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Learn more about how to open your own first bank account.
A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check. A savings account is meant to help you grow your money or set aside funds for a big purchase.
It’s often beneficial to have both as part of your financial plan. Learn more about the differences between checking and savings accounts.