Interest, extra perks, and a monthly fee waiver for seniors.

Premium Checking is an interest-bearing checking account that rewards you with extra benefits, including free U.S. Bank logo checks, no U.S. Bank fees on money orders, and a safe deposit box discount.

And if you’re looking for a senior checking account that can help stretch your money a bit further, there’s one more benefit… No monthly maintenance fees if at least one account owner is 65 or older and enrolled in online statements.

Premium 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.

More no-fee ATM transactions

Get unlimited no-fee transactions at non-U.S. Bank ATMs. (Note: Non-U.S. Bank ATM owners will charge their own fee unless they participate in the MoneyPass® Network.)

Free personal checks

Choose free U.S. Bank logo checks, or express yourself with a 50% discount on other personal designs, including dozens of colleges and universities.

No-fee money orders and more

Pay no U.S. Bank fees for money orders, cashier’s checks, and copies of checks and statements. Plus, get a safe deposit box at half off the annual fee.

Pays interest

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

Pricing and features

Monthly maintenance fee

$12.95With paper statements8pwi1h 
$10.95With online statements
$0With online statements

– if 

You are 65 or older

– or –

You maintain an average account balance of $5,0005hyemk 

Other fees

The most common checking fees are listed in the Premium 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.

Our online application is fast, secure and mobile-friendly.


Open a checking account online in minutes, and fund it with your credit or debit card.


We use the strongest available 128-bit encryption to protect any information you send.


Our application is 100% touch-enabled and mobile-optimized, so you can start right now.

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