With 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 and pair it with a Package Money Market Savings account, you'll open up two ways to waive the monthly maintenance fee: Set up direct deposits of at least $1,000 per month, or maintain a combined average deposit balance of $1,500.1
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 Package
Basic banking must-haves
Incentives to keep saving
Sign up for the U.S. Bank START Smart Savings Program™ and earn up to $100 in rewards and bonuses for reaching your savings goal and making gas and grocery debit card purchases.
Benefits beyond checking
With your Silver, Gold or Platinum Package Checking, 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,2 and our Platinum Select Money Market Savings account, available only to our Platinum Checking Package customers.3 And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.4
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.5 You're also eligible for a discount on your mortgage loan closing costs with a new or existing U.S. Bank Personal Checking Package.7 Take 0.25% of your loan amount and deduct it from your closing costs, up to a maximum of $1,000.8
Pricing and features
Monthly maintenance fee
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 and secure
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.