U.S. Bank Silver® Checking Package

Our most popular package for combined checking and savings.

With the Silver Checking Package, you get a great way to save – and two easy ways to waive the monthly maintenance fee.

When you open a Silver Checking Package, you’ll have the opportunity to open a Package Money Market Savings account at the same time. And when you have both accounts, the monthly maintenance fee on your Silver Checking account will be waived for each month that you have direct deposits of at least $1,000 or maintain a combined average deposit balance of $1,500afsb25g .

Silver Checking also gives you full access to Online and Mobile Banking, a suite of powerful tools and apps that make it easy to track your spending, pay bills, send money, deposit checks and more.

Silver 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.

Incentives to keep saving

Sign up for the U.S. Bank START Smart Savings Program™ and earn up to $100 in rewards for meeting your savings goal, and gas and grocery debit-card purchases.

Benefits beyond checking

With your Silver, Gold or Platinum Package Checking account, these extra savings are waiting for you – whenever you need them. Do More, Save More with U.S. Bank

A great savings account

Competitive interest rates and no monthly maintenance fees are two big benefits of our Package Money Market Savings account, available to Silver or Gold Checking Package customers,j7q5vg  and our Platinum Select Money Market Savings account, available only to our Platinum Checking Package customers.96op0l  And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.2xnixy 

Preferred rates for new loans

You'll pay a lower interest rate on a new auto loan, personal loan, or home equity loan or line of credit when you have a Silver, Gold or Platinum Package Checking account and meet the normal credit approval and eligibility requirements.a6pqqbx  You may also qualify for a home loan origination discount of up to $1,000.

Pricing and features

Monthly maintenance fee

$8.95With paper statements8pwi1h 
$6.95With online statements
$0With online statements

– plus –

A Package Money Market Savings account

– and either –

Combined monthly direct deposits totaling $1,000

– or –

A combined average deposit balance of $1,500afsb25g 

Other fees

The most common checking fees are listed in the Silver 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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