Student Checking details

Monthly maintenance fee


Other fees

A $2 paper statement fee2 applies unless the account is enrolled in e-statements.

Student Checking benefits

Ways to waive overdraft fees

If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee.

If your Available Balance is overdrawn by $50.01 or more, you’re given extra time to potentially waive Overdraft Paid Fees on eligible accounts with Overdraft Fee Forgiven.3

ATM transactions

Pay no ATM transaction fees at U.S. Bank ATMs. Also, there are no ATM transaction fees on your first four non-U.S. Bank ATM transactions per statement period.4 Note: Non-U.S. Bank ATM transaction fees apply after four.

No-fee overdraft protection

Pay no overdraft protection fees for transfers made from a linked U.S. Bank consumer savings account, U.S. Bank money market or a secondary checking account.5 Overdraft Protection Transfer Fees apply when transfers are made from a linked U.S. Bank credit account, including Reserve Line of Credit, credit card, personal line of credit, home equity line of credit and other lines of credit.

Basic banking must-haves

Personal check discounts

Get your initial box of U.S. Bank logo checks free. Or, express yourself with a 50% discount on your choice of designs,7 including many colleges and universities.

Campus banking

If your college participates, you can set up your bank account, pay bills or link your student ID to your U.S. Bank Student Checking account and more. Learn about our campus banking.

More information

Learn more about additional features and pricing by checking out the following resources:

Open an account online.

It’s fast and easy, typically taking only a few minutes.

The Student Checking account can be opened individually or jointly if you’re 18 years old or over. To open a joint account online, simply select the Joint option when applying. Here’s what you’ll need to open an account online.

Note: Applicants ages 14 through 17 may open an account jointly with an adult. They may do so together online or in person at a branch. Stop by a local branch together or schedule an appointment in advance. Learn more about opening an account for a minor.

Frequently asked questions

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  1. Student enrolled in high school, technical college, trade school or university.

  2. Additional fees may apply for statements with check images. Check images are available with paper or e-statements. Accounts with the Senior customer indicator receive waived fee for statements with check image. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section in your Consumer Pricing Information disclosure (PDF).

  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, ATM deposits at U.S. Bank ATM, 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. If a non-U.S. Bank ATM transaction fee applies, U.S. Bank will assess a fee for each ATM transaction conducted at the non-U.S. Bank ATM. Additionally, non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass®Network. If you use an ATM that uses the MoneyPass® Network and are charged a fee, please contact us at 800-USBANKS (872-2657) for a refund. To find MoneyPass ATM locations, select Show MoneyPass® ATM Network locations in the ATM locator.

    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. Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees. When changing to Student, Gold or Platinum checking account types, corresponding non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle.

  5. 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

  6. Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

  7. When changing existing checking or checking package options, or adding senior benefits, 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.

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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.