A smarter way to bank

The U.S. Bank Smartly® Checking account offers special benefits to students ages 13 through 24. Apply online in minutes with an opening deposit of $25.

Note: Young Adults ages 18 through 24 may apply individually or jointly. Youth ages 13 through 17 must apply jointly with an adult.

Take advantage of Smart Rewards®.

As a youth or young adult, when you open a U.S. Bank Smartly® checking account you’re automatically enrolled in the free U.S. Bank Smart Rewards® program. 

It’s never too soon to start saving.

You can start small. Open a Standard Savings account in minutes with a minimum $25 opening deposit.

Young Adults ages 18 through 24 may open an account individually or jointly, online or in a branch. Individuals ages 17 and under can open an account with an adult together in a branch.

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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 app1
  • Best digital mortgage tools2
  • Best customer service features3
  • Best mobile check deposit4
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Take charge of your finances.

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Grow your financial knowledge.

Visit the U.S. Bank Financial IQ Student Center to discover a vast array of resources on topics relevant to you. Be sure to check out the U.S. Bank Student Scholarship Sweepstakes.

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Maximize your money’s potential.

Tap into an array of tools, programs and resources that work together to put you – and keep you – on the road to financial wellness.

Frequently asked questions

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  1. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  2. 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.

  3. 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.

  4. 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. 

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

Deposit products 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.