All account holders enjoy:
Get your Monthly Maintenance Fee waived by meeting any one of the following criteria:
Enroll in the Smart Rewards™ program and move automatically through our four-tiered program as your balances grow.*
The balances of these consumer accounts combine to determine your current rewards and benefits tier.
You will qualify for the Primary tier if you have any of the following open products; U.S. Bank home mortgage, home equity loans, home equity line of credit, or unsecured personal loans (excluding unsecured personal lines of credit, student loans, and Simple Loans). U.S. Bank credit cards are excluded.
*Qualifying balances include consumer accounts where the account is open and you are an account owner.
Note: Balances in business and commercial accounts do not qualify.
Bank Smartly Checking with interest1
Monthly Maintenance Fees waived
Standard Savings Interest Rate Lift8
N/A
+5% of the Standard Interest Rate
+10% of the Standard Interest Rate
+15% of the Standard Interest Rate
+15% of the Standard Interest Rate
N/A
First 2 per statement period
First 4 per statement period
Unlimited
Unlimited
Non-U.S. Bank ATM owner surcharge fees reimbursed4
N/A
N/A
First fee per statement period
First four fees per statement period
Unlimited
100 free trades per calendar year, exclusively through our affiliate U.S. Bancorp Investments 10
Mortgage loan closing cost credit of 0.25% on your new first mortgage loan amount, up to a maximum of $1,00011
N/A
Complimentary virtual consultation
Complimentary virtual consultation
Complimentary virtual consultation
Complimentary financial consultation
IRA Annual Fee waived 14
N/A
N/A
Overdraft benefits
Other fee waiver benefits Learn more
N/A
$2.00 Paper Statement Fee is waived
$2.00 Paper Statement Fee is waived
Are you a member of one of the following customer groups? If so, you’re automatically eligible for additional services and rewards tailored to meet your needs.
*A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits