Variable rate account – Interest rates are determined at the bank’s discretion and may change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of four Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.

ATM Transaction Fee.  U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

ATM Surcharge.  Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass^®, an ATM surcharge free network. To find MoneyPass^® ATM locations, select “Show MoneyPass^® ATM Network locations” in the ATM locator. If you use an ATM that uses the MoneyPass^® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

Average account balance – The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of days within the statement period.

Qualifying accounts include U.S. Bank activated credit cards. Credit products are subject to eligibility requirements and normal credit approval and may be subject to additional charges such as annual fees. No limitation on Bank Smartly checking accounts with this benefit.

Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. The interest rate Lift is calculated by taking your current interest rate and multiplying it by the interest rate Lift. This gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate Lift applies to standard rates only, it is not applicable for special or promotional rates. Savings interest rate Lift applies to Standard Savings only.

When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly^® Checking accounts.

For the Primary, Plus and Premium Tier: To schedule your complimentary virtual consultation, make an appointment online at usbank.com/advisorycenter or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary virtual consultation is available to customers outside the Rewards Program.

U.S. Bank does not offer insurance products. Insurance products are available through our affiliate U.S. Bancorp Investments.

For the Primary, Plus and Premium Tier: To schedule your complimentary virtual consultation, make an appointment online at usbank.com/advisorycenter or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary virtual consultation is available to customers outside the Rewards Program.

For the Pinnacle Tier: To schedule your complimentary financial consultation, find an advisor near you at usbank.com/advisor or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary financial consultation is available to customers outside the Rewards Program.

Maintaining an open U.S. Bank Smartly^TM Checking account is required to waive the annual fee on an IRA held with U.S. Bank National Association.

If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

Refer to Your Deposit Account Agreement section titled Overdraft Protection Plans for additional information.

Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards^® tiers (Primary, Plus, Premium or Pinnacle).

The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

Please refer to the Consumer Pricing Information disclosure for more details.

When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.

Account will be assessed the Monthly Maintenance Fee when the account holder reaches 18 years of age. Account holder(s) age 13-17 will receive the monthly maintenance fee waiver under the Youth customer group. In the event the account holder is not currently a signer on the account the account holder must visit a branch with the custodian/guardian on the account to gain authority to access account funds.

All regular account opening procedures apply. $25 minimum deposit required to open a U.S. Bank consumer checking account. Members of the military (requires self-disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee.

Monthly maintenance fee waiver is for the first twelve months from the money market account open date. After the first twelve months, the requirement to waive the monthly maintenance fee is a $10,000 minimum daily balance. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included.

For banking clients of U.S. Bank Wealth Management, Private Wealth Management or Ascent Private Capital Management.

For more information, refer to Your Deposit Account Agreement, in the section titled Funds Availability.

For the Primary, Plus and Premium Tier: To schedule your complimentary virtual consultation, make an appointment online at usbank.com/advisorycenter or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary virtual consultation is available to customers outside the Rewards Program.