Earn up to $200.

Open a new U.S. Bank Smartly Checking account and a new U.S. Bank Standard Savings to qualify for the offer, see details below. 1

This offer is valid through September 30, 2024.

Bank Smartly® Checking

Earn $100 by opening your account by 9/30/24 with promo code 24STDNT and complete the following activities within 90 days of account opening: 1

  • Make $1,000 or more in total new money deposit(s) into your new Bank Smartly® Checking account.
  • Make 10 or more debit card purchases totaling $100 or more.
  • Enroll in the U.S. Bank Mobile App or online banking.

Standard Savings

Earn $100 by opening your account by 9/30/24 with promo code 24STDNT and complete the following activities within 90 days of account opening: 3

  • Open a new U.S. Bank Smartly® Checking Account.
  • Make $1,000 or more in total new money deposit(s) into your new Standard Savings account by 10/18/2024
  • Maintain a balance in your Standard Savings account of $1,000 or more through 1/31/2025.

Note:

  • Use your school address when applying. Click one of the Apply buttons above and we'll enter the promo code for you. If you apply for your checking and/or savings account from a different page, you'll need to manually enter this promo code to your account application(s): 24STDNT
  • Young Adults ages 18 through 24 may apply for a U.S. Bank Smartly checking account or Standard Savings account individually or jointly. Youth ages 13 through 17 must apply jointly with an adult. The account must be opened together in a branch.

Meet your new student ID.

Travel light. Link your campus card to your U.S. Bank checking account and use it as your ATM card.

Picture of University of Cal State Fullerton's Student ID card

Takes control of checking fees.

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 waived 2
  • $0 ATM transaction fees at U.S. Bank ATMs and on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after four) 34
  • $0 overdraft protection transfers made from an eligible linked U.S. Bank deposit account 5
  • $0 overdraft fees when overdrawn $50 or less 6 and Overdraft Fee Forgiven 7 program
  • Two incoming wire transfer fees waived per Bank Smartly Checking statement period (Young Adult group benefit 18-24) 8

Make your savings work for you.

Open a Standard Savings account with a minimum $25 opening deposit and enjoy the following benefits.

  • $0 ATM transaction and surcharge fees at U.S. Bank ATMs 3
  • $0 overdraft protection transfer fees made from an eligible linked U.S. Bank deposit account 5
  • Account alerts: Set up email or text message reminders about low balances, transfers and other important activity 9
  • Automated savings options: Link your savings account to another U.S. Bank account and set up recurring transfers
  • E-statements: Quickly access your savings account statements online anytime. They’re automatically archived, and they’re free

Your chance to win up to $20,000 in scholarships.

Complete our free, in-app lessons about personal finance topics. The more modules you finish, the more scholarship money you could win!

Earning your trust is at the heart of what we do.

Money Best Banks award

Ranked top five for student banking

U.S. Bank received the 2023-2024 Money Best Banks for Students award in August 2023.

Ranked #1 mobile app 10

Keynova Group in its 2022 Mobile Banker Scorecard.

World's Most Ethical Companies award

World’s Most Ethical Companies® 11

U.S. Bank has been named one of the World’s Most Ethical Companies by the Ethisphere Institute.

Take charge of your finances.

Students talking about school

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.

Students talking about classes

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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Disclosures
  1. U.S. Bank Smartly® Checking bonus: To be eligible, the Primary Signer on your new Bank Smartly Checking account cannot have 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 consumer checking bonus offers within the past 12 months. You must also use the 24STDNT promo code at account opening. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 either online through the U.S. Bank campus page or at a U.S. Bank campus location from May 1, 2024 through and including September 30, 2024. You must have a minimum of $1,000 or more in total new money 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. New money is considered money that is new to the customer or new to U.S. Bank where funds are coming from outside U.S. Bank. Funds cannot be transferred from another U.S. Bank product. 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. Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements. Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers.

    Standard Savings bonus: To be eligible, the Primary Signer on your new Standard Savings account cannot have an existing U.S. Bank savings account or money market account, had a U.S. Bank consumer savings account or money market account in the last six months or received other U.S. Bank savings account or money market account bonus offers within the past 12 months. You must have opened a new U.S. Bank Smartly Checking account during the promotional period with the promotion code 24STDNT. You must also use the 24STDNT promo code at savings account opening. To receive the bonus, you must open a new U.S. Bank Standard Savings account with a minimum deposit of $25 either online through a U.S. Bank campus page or at a U.S. Bank campus location from May 1, 2024 through and including September 30, 2024. Additionally, you must make new money deposit(s) by October 18, 2024 totaling $1,000 or more. You must then maintain a minimum total account balance of $1,000 through January 31, 2025. Fees will reduce your eligible balance, and deposits may be needed to cover these fees to maintain the balance for this offer. New money is considered money that is new to the customer or new to U.S. Bank where funds are coming from outside U.S. Bank. Funds cannot be transferred from another U.S. Bank product. Your $100 savings bonus (“adjusted interest”) will be credited into your new savings account within 30 days after you have completed all the offer requirements. Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Standard Savings accounts are variable rate accounts. For Standard Savings, the Annual Percentage Yield (APY) is accurate as of May 1, 2024, any balance: 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. This offer may not be combined with any other savings account bonus offers.

    Additional Terms & Conditions: Limit one checking and savings bonus per eligible account. Current U.S. Bank employees are eligible to participate. Offer may not be available if you live outside of the U.S. Bank footprint. Offer not available through Alliance partnerships. Offer not available with Trust Accounts. Other restrictions may apply. All standard account terms, conditions and 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) disclosure.

  2. Members of the military (requires self disclosure) and clients 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 presence of an eligible personal 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 (PDF) disclosure for more details.

  3. 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 “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.

    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.

  4. 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.

  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 (PDF) section titled Overdraft Protection Plans for additional information.

  6. 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 three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

  7. 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 (PDF) for full funds availability details.

  8. For a comprehensive list of account pricing, terms and policies, see the Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosures. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  9. Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

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

  11. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

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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.

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 #0E24641.

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.