California State University-Fullerton

A minimum deposit of $25 is required to open a U.S. Bank Smartly^® Checking account. To earn the $100 bonus offer, you must open a new U.S. Bank Smartly^® Checking account (excludes all other checking account products) at a U.S. Bank campus location or online through a U.S. Bank campus page from May 23, 2023 through and including September 25, 2023. Additionally, you must have a minimum of $1,000 or more in total deposit(s), complete 10 or more debit card purchases totaling $100 or more using your associated debit card as well as enrollment in online banking or the U.S. Bank Mobile App all within 90 days of account opening. All transactions must be posted to the account within those 90 days. Pending transactions, ATM withdrawals and withdrawals at a branch using your debit card are not qualifying transactions. Offer may not be combined with any other checking account bonus offers. Offer is not valid if the primary signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months, or received other U.S. Bank bonus offers within the past 12 months. The checking bonus will be deposited into your new checking account within 60 days after you have completed the checking requirements listed above as long as your account is open and has a positive balance.  

A $25 minimum deposit is required to open a new U.S. Bank Standard Savings account. To earn your extra $100 bonus you must have opened a new U.S. Bank Smartly^® Checking account during the promotional period with the promotion code 23STDNT that is open and has a positive balance. Also, open a new U.S. Bank Standard Savings account at a U.S. Bank campus location or online through a U.S. Bank campus page by September 25, 2023. Additionally, you must make deposit(s) of $1,000 or more by October 16, 2023 then maintain a minimum total account balance of $1,000 or more through April 15, 2024 on your Standard Savings account. The $100 bonus will be credited to your new savings account within 30 days after you have completed the savings requirements listed above. The account must be open and have a positive balance. Standard Savings is a variable rate account. The following Annual Percentage Yield (APY) is accurate as of 5/4/23: 0.01%. Interest rates are determined at the bank’s discretion and can change at any time. Interest will be compounded daily and credited to your savings account quarterly. Fees may reduce earnings on account. Offer may not be combined with any other savings account bonus offers. Offer is not valid if the primary signer on the account has an existing U.S. Bank consumer savings account, had a U.S. Bank consumer savings account in the last 12 months, or received other U.S. Bank bonus offers within the past 12 months. 

Limit one checking and one savings bonus per tax ID. Bonus(es) will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.  Current U.S. Bank employees are eligible. Other restrictions may apply. All regular account opening procedures apply. For a comprehensive list of account pricing, terms and policies, see the Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosures.  Deposit products offered by U.S. Bank National Association. Member FDIC.

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.

ATM Transaction Fee.  U.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 (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

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.

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.

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.

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 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.

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 Smartly^® 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.

Industry benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile apps in its 2022 Mobile Banker Scorecard.

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.

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.

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.