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, or if you maintain an average account balance of $5,000.

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

No U.S. Bank fee charged for Non-U.S. Bank ATM Transactions. (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 purchase 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

  • $12.95

    With paper statements1

  • $10.95

    With eStatements

  • $0

    If you are 65 or older
    - or -

    You maintain an average account balance of $5,0002

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.

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