Get smarter about banking.

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 and over may apply individually or jointly. Youth ages 13 through 17 must apply jointly with an adult.

Say no to fees and yes to 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 early to start saving.

Start your financial journey on the right foot by opening a Standard Savings account.

Young adults ages 18 and over may open an account individually or jointly, online or in a branch. Youth ages 17 and under can open an account jointly with an adult together in a branch.

The minimum opening deposit is $25 and online applications can typically be completed in minutes.

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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 app2
  • Best digital mortgage tools3
  • Best customer service features4
  • Best mobile check deposit5
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Take charge of your financial wellness.

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Make SMART money moves.

  • Save for a rainy day.
  • Manage your budget.
  • Access your credit score.
  • Reduce your debt.
  • Track your online security.
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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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Disclosures
  1. If a Non-U.S. Bank ATM transaction fee applies, U.S. Bank will assess this 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 surcharge 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 (PDF) section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  2. In its Q3 2021 Mobile Banker Scorecard, the industry benchmarking firm Keynova Group ranked U.S. Bank #1 overall in mobile banking, including #1 for mobile app.

  3. 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.

  4. 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.

  5. 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 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.