Experience the benefits of a U.S. Bank Smartly Checking account.

All account holders enjoy:

  • Interest earned on checking.1
  • No fees for overdrawn balances of $50 or less.2
  • Overdraft Fee Forgiven program for overdrawn balances over $50.3
  • Unlimited free U.S. Bank ATM transactions.

Get your Monthly Maintenance Fee waived by meeting any one of the following criteria:

  • Are 24 and under, 65 and over or a member of the military (must self-disclose).
  • Have combined monthly direct deposits of $1,000 or more.
  • Keep a minimum average account balance of $1,500.4
  • Hold an eligible U.S. Bank credit card.5
  • Qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle)

Grow with us.

Enroll in the Smart Rewards program and watch your combined checking and savings balances increase and move automatically through our four-tiered program. See benefits and rewards grow with each tier. 

Compare benefits and rewards

Legend:
Included
May be  included
Not included

Bank Smartly Checking with interest 6 Learn more

Bank Smartly Checking with interest included in Core benefits
Bank Smartly Checking with interest included in Primary
Bank Smartly Checking with interest included in Plus
Bank Smartly Checking with interest included in Premium
Bank Smartly Checking with interest included in Pinnacle

Monthly Maintenance Fees waived Learn more

Monthly Maintenance Fees Waived may be included in Core benefits
Monthly Maintenance Fees Waived included in Primary
Monthly Maintenance Fees Waived included in Plus
Monthly Maintenance Fees Waived included in Premium
Maintenance Fees Waived included in Pinnacle

Standard Savings interest rate lift 7 Learn more

Standard Savings Interest Rate Lift not included in Core benefits
Standard Savings Interest Rate Lift included in Primary

+5% of the Standard Savings Rate

Standard Savings Interest Rate Lift included in Plus

+10% of the Standard Savings Rate

Standard Savings Interest Rate Lift included in Premium

+15% of the Standard Savings Rate

Standard Savings Interest Rate Lift included in Pinnacle

+15% of the Standard Savings Rate

Non-U.S. Bank ATM fees waived 8 9

Non-U.S. Bank ATM fees waived not included in Core benefits
Non-U.S. Bank ATM fees waived included in Primary

First 2 per statement period

Non-U.S. Bank ATM fees waived included in Plus

First 4 per statement period

Non-U.S. Bank ATM fees waived included in Premium
Non-U.S. Bank ATM fees waived included in Pinnacle

Non-U.S. Bank ATM owner surcharge fees reimbursed

Non-U.S. Bank ATM owner surcharge fees reimbursed not included in Core benefits
Non-U.S. Bank ATM owner surcharge fees reimbursed not included in Primary
Non-U.S. Bank ATM owner surcharge fees reimbursed included in Plus

First fee per statement period

Non-U.S. Bank ATM owner surcharge fees reimbursed included in Premium

First four fees per statement period

Non-U.S. Bank ATM owner surcharge fees reimbursed included in Pinnacle

100 free trades per calendar year through our affiliate U.S. Bancorp Investments10

100 free trades per calendar year included in Core benefits
100 free trades per calendar year included in Primary
100 free trades per calendar year included in Plus
100 free trades per calendar year included in Premium
100 free trades per calendar year included in Pinnacle

Mortgage loan closing cost credit of 0.25% on your new first mortgage loan amount, up to a maximum of $1,000 11

Mortgage loan closing cost credit of 0.25% on hour new first montgage loan amount, up to a maximum of $1,000 in Core benefits
Mortgage loan closing cost credit of 0.25% on hour new first montgage loan amount, up to a maximum of $1,000 included in Primary
Mortgage loan closing cost credit of 0.25% on hour new first montgage loan amount, up to a maximum of $1,000 included in Plus
Mortgage loan closing cost credit of 0.25% on hour new first montgage loan amount, up to a maximum of $1,000 included in Premium
Mortgage loan closing cost credit of 0.25% on hour new first montgage loan amount, up to a maximum of $1,000 included in Premium

Complimentary financial consultation through our affiliate U.S. Bancorp Investments 12 13

Complimentary financial consultation  not included in Core benefits
Complimentary financial consultation included in Primary
Complimentary financial consultation included in Plus
Complimentary financial consultation included in Premium
Complimentary financial consultation included in Pinnacle

IRA Annual Fee waived 14

IRA Annual Fee waived not included in Core benefits
IRA Annual Fee waived not included in Primary
IRA Annual Fee waived included in Plus
IRA Annual Fee waived included in Premium
IRA Annual Fee waived included in Pinnacle

Overdraft benefits  Learn more

Overdraft benefits may be included in Core benefits
Overdraft benefits may be included in Primary
Overdraft benefits may be included in Plus
Overdraft benefits may be included in Premium
Overdraft benefits included in Pinnacle

Other fee waiver benefits  Learn more

Other fee waiver benefits not included in Core benefits
Other fee waiver benefits  may be included in Primary
Other fee waiver benefits  may be included in Plus
Other fee waiver benefits included in Premium
Other fee waiver benefits included in Pinnacle

Enjoy the benefits of special rewards and services.

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.

Start of disclosure content
Disclosures
  1. 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.

  2. 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.

  3. 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, ATMs 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. ATM Transaction FeeU.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 disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  9. 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 SmartlyTM Checking accounts.

  10. Offer is for 100 free trades per calendar year (Jan. 1 to Dec. 31) with a self-directed brokerage account through our affiliate, U.S. Bancorp Investments. Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents for self-directed brokerage account. To receive the free trades, a U.S. Bank SmartlyTM Checking account or an existing U.S. Bank Platinum® Checking Package or U.S. Bank Gold® Checking Package must be established. Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information.

  11. For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. To receive the U.S. Bank customer credit, a U.S. Bank Smartly™ Checking account must be established prior to final loan approval, or must have either an existing U.S. Bank Personal Checking Package or first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Smartly™ Checking account.

    A minimum of $25 is required to open a U.S. Bank Smartly™ Checking account. For a comprehensive list of account pricing, terms and policies, see the Consumer Pricing Information (PDF) disclosure and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 866-758-8655. Please note: After September 20, 2022, all of the U.S. Bank Personal Checking Package products will no longer be available for sale.

    Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association.

  12. 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.

  13. 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.

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

  15. 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.

  16. 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.

  17. Account will be assessed the monthly maintenance fee when the youth reaches 18 years of age. In the event the youth is not currently a signer on the account, the youth must visit a branch with the custodian/guardian on the account to gain authority to access account funds.

  18. Military group requires notification (self-disclosure) to U.S. Bank to enact the status and is inclusive of both current and former members. 

  19. 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.

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

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

Start of disclosure content

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Investment and insurance products and services including annuities are:
Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# OE24641.

U.S. Bank is not responsible for and does not guarantee the products, services, performance or obligations of its affiliates. 

Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.