For ZIP  

$0 Monthly Maintenance Fees, just for being you

For young adults and students (18 - 24 years old), we always waive the $12 Monthly Maintenance Fee.1

Young adult viewing her student checking account on a smartphone during a commute

Grocery budget? Rent? Manage it all on the go.

Take control with our mobile app built for students and young adults. Included financial tools help keep you on budget and on track to your goals.

Set up automatic bill pay, direct deposit and linking to external accounts for visibility. Then, activate your cash-back deals to earn money whenever you shop.

All your hard work, rewarded

Enjoy the benefits of Smart Rewards - cash-back deals, account fee waivers and more - from the day you open your checking account.

Save now. Grow faster.

As a student or young professional, now is the perfect time to start earning more on your money. Open a Bank Smartly Checking and U.S. Bank Smartly® Savings account together to automatically benefit from higher yields as your balances grow.

Learn about the Bank Smartly bundle

And opening an account is super easy.

Two students collaborating at a part-time job on completing a task with a laptop

First step, grab these

  • Social Security number
  • A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid with a credit or debit card, a transfer from another account at U.S. Bank or a transfer from another financial institution.
Next, apply online in minutes

First step, grab these

  • Social Security number
  • A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid with a credit or debit card, a transfer from another account at U.S. Bank or a transfer from another financial institution.
Next, apply online in minutes

Here’s what you always get with Bank Smartly Checking for young adults.

Debit card with contactless payments

Overdraft Fee Forgiveness2 and protection3

Access to over 4,000 no-fee ATMs45

Simple money tips for young adults & students

Your financial IQ is going to go through the roof.

budget smarter

How to make a budget (and stick to it).

Once you understand your monthly spending habits, you’ll be able to empower yourself to save for the future. Establishing a monthly budget is your first move.

FAQs for students & young adults

Yes! You can apply online in under five minutes if you’re 18 or older. For ages 13–17, accounts must be opened jointly with an adult, either online or at a branch.

Yes, you can open a U.S. Bank Smartly® Checking account at 17 with a parent or guardian as a co-owner. This allows you to start building financial independence early while still having support. Once you turn 18, you can manage the account independently and continue enjoying benefits tailored to young adults.

Learn about teen checking accounts

To open a U.S. Bank Smartly® Checking account for students and young adults (18 to 24 years old), you’ll need:

  • Social Security Number (SSN) or Taxpayer Identification Number (TIN).
  • Minimum Opening Deposit: $25, which can be funded via debit/credit card, transfer from another account, or an existing U.S. Bank account.
  • Identification: A valid government-issued photo ID (driver’s license, state ID, or passport) if you are opening in a branch.
  • If you’re 13–17, you can open a joint account with an adult either online or in a branch.

If you're between the ages of 18 and 24, you automatically qualify for no monthly maintenance fees on a U.S. Bank Smartly® Checking account. Other ways to waive the fee include maintaining a minimum balance or having qualifying direct deposits.1

Learn more about Bank Smartly Checking

U.S  Bank offers overdraft protection3 options that can link your checking account to a savings account or credit line. This helps prevent declined transactions or fees. With Bank Smartly Checking, you can also set up alerts and use budgeting tools to avoid overdrafts altogether.

Learn more about overdraft protection

Absolutely. Every student checking account comes with a U.S. Bank Visa® Debit Card, which you can use for purchases, ATM withdrawals, and digital wallets like Apple Pay or Google Pay. You can even choose from eco-friendly or school-themed card designs.

Yes. U.S. Bank provides a top-rated mobile app that lets you:

  • Deposit checks remotely
  • Track spending and set savings goals
  • Pay bills and send money with Zelle®
  • Lock/unlock your debit card and set up alerts

The app is available for both iOS and Android and has earned industry recognition for ease of use and security.

Learn more about the mobile app

No minimum balance is required for young adult and student checking accounts. Plus, monthly maintenance fees are waived for account holders 24 years old and younger, so you can focus on managing your money without worrying about extra charges.

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Log in to your account(s)
Call 800-872-2657
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Disclosures

  1. Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date. Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

    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 (PDF) disclosure for more details.

  2. U.S. Bank Overdraft Fee Forgiven Program - 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 business 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 (PDF) for full funds availability details.

  3. Overdraft Protection Transfer Fees are waived on U.S. Bank Smartly Checking accounts. 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. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. No Overdraft Protection Transfer Fee(s) will be charged for transfers from linked deposit accounts.

    Refer to Your Deposit Account Agreement (PDF), section titled Overdraft Protection Plans, for additional information.

  4. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. This means that you may be charged more than one ATM Transaction fee at a Non-U.S. Bank ATM during a single ATM session. 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 “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

    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.

  5. 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.

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