Goodbye, fees. Hello, rewards.

Open a Bank Smartly checking account in minutes with a minimum deposit of $25. As a youth or young adult, you’re automatically enrolled in the U.S. Bank Smart Rewards program and will receive these and other benefits. 

  • $0 monthly maintenance fees: There are multiple ways to get them waived1
  • $0 ATM transaction fees at U.S. Bank and MoneyPass® Network ATMs and on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after four)2,3
  • $0 overdraft protection transfers made from an eligible linked U.S. Bank deposit account4
  • $0 overdraft fees when overdrawn $50 or less5
  • Overdraft Fee Forgiven6 program
  • 100 Free Trades7 per calendar year when you open a new self-directed brokerage account through our affiliate, U.S. Bancorp Investments8
  • campus banking program at participating colleges and universities

No need to write checks?

Consider a Safe Debit Account, a “checkless” no overdraft fee option that is not part of the U.S. Bank Smart Rewards program. Open an account in minutes with a minimum deposit of $25. Applicants ages 13 through 17 must open an account jointly with an adult.

Benefits of the Safe Debit account include:

  • The U.S. Bank Visa® Debit Card
  • No overdraft fees
  • $0 ATM transaction fees at U.S. Bank and MoneyPass® Network ATMs. Non-U.S. Bank ATM transaction fees apply.2,3
  • 24/7 customer service
  • The U.S. Bank Mobile App

Note: The $4.95 monthly maintenance fee cannot be waived.

illustration of a trophy

The verdict is in…. Our app is #1.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. Industry experts ranked us #1 for:

  • Best mobile app9
  • Best digital mortgage tools 10
  • Best customer service features11
  • Best mobile check deposit12
Logo of the Apple App Store   Logo of the Google Play Store

Let your personality shine.

Be part of the solution to the plastic waste problem with an eco-friendly U.S. Bank Visa® Debit Card. Or show your pride through a school or professional football team-affiliated card. We offer a wide variety of designer options.

Take control of your finances

Our Financial IQ offers an abundance of ideas, tools, tips and resources to help put you and keep you on the road to financial wellness.

Financial advice from our dads

We asked our employees to share the lessons they learned from their fathers.

30-day adulting challenge

Take the challenge to become more financially fit.

Frequently asked questions

Start of disclosure content
Disclosures
  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). 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 Smartly™ Checking account 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. 

  8. Must be at least 18 years old to open a new self-directed brokerage account.

  9. In its Q3 2021 Mobile Banker Scorecard, the industry benchmarking firm Keynova Group ranked U.S. Bank #1 overall in mobile banking, including #1 for mobile app.

  10. The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

  11. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.

  12. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more. 

Start of disclosure content

Deposit products are offered by U.S. Bank National Association. Member FDIC.

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.

Refer to Your Deposit Account Agreement and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

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.

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.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.