A bank account with no checks and lots of advantages.

It's like a checking account . . . minus the checks. A Safe Debit Account goes above and beyond a simple prepaid debit card, offering powerful benefits such as Online and Mobile Banking. It also offers peace of mind: with a debit card instead of checks, you are less likely to overdraw on your account, and there are no overdraft charges if you do.

A Safe Debit Account makes it easy to stay on top of your money: you can track spending, receive low balance alerts, enroll in direct deposit, and much more. You can even send money securely to family and friends!

Safe Debit Account 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.

Discounts on money orders

Send money securely and quickly minus high fees with discounted money orders.

Free Credit Score Accessavztthm 

Get powerful free access to the TransUnion CreditViewTM Dashboard through Online Banking

  •  See your VantageScore® 3.0 credit score and ranking.
  •  Use Score Simulator to see an estimated credit score if you take certain credit actions.
  •  Find helpful Credit Education information and resources.


Monthly maintenance fee

$4.95With paper or online statements.

Other fees

The most common checking fees are listed in the Safe Debit Account Simple Snapshot (PDF), an easy-to-read summary of pricing and features to help you use this account. There are also discounted fees for money orders and other services.

For more detailed information, see the U.S. Bank Safe Debit Account Terms and Conditions and the Safe Debit Account Pricing and Information Guide. Also see the Consumer Pricing Information brochure  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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