A smarter way to bank

Earn up to $200 by opening a U.S. Bank Smartly® Checking account and a U.S. Bank Standard Savings account. This offer is available through September 25.

Bank Smartly® Checking

Earn $100 by completing the following activities within 90 days of opening your new account:

  • Make deposit(s) totaling $1,000 or more 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.1
Apply as a Young Adult Apply as an adult with a Youth

Standard Savings

Earn $100 by completing the following activities:

  • Open a new U.S. Bank Standard Savings account.
  • Make deposit(s) totaling $1,000 or more into your new Standard Savings account by October 16, 2023.
  • Maintain a balance in your Standard Savings account of $1,000 or more through April 15, 2024.2
Apply as a Young Adult Learn more

Note: If you apply for your accounts using the links above, we’ll enter the promo code for you. If you apply from another page, you’ll need to enter the following code manually: 23STDNT.

Get rewarded.

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.

Learn more about Smart Rewards

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 app3
  • Best digital mortgage tools4
  • Best customer service features 5
  • Best mobile check deposit6
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Stay on the path to financial wellness.

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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.

Explore Financial IQ
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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.

Bank Smartly with U.S. Bank

Frequently asked questions

Yes, if you want to use your student ID for PIN debit purchases and ATM withdrawals, you’ll need either a U.S. Bank Smartly Checking account or a Safe Debit account.

Speak with a banker at any U.S. Bank branch. Provide the 16- or 17-digit number that appears on your card and the banker will link it to your U.S. Bank checking account.

Report your card as lost or stolen as soon as possible. You’ll need to contact both your school’s card office and U.S. Bank. Call us at 800-USBANKS (872-2657) or you can call or visit a U.S. Bank branch.

To get a replacement card, visit your school’s card office. Some card offices may charge a replacement fee for lost or stolen cards. When you get a replacement card, visit a banker at any U.S. Bank branch to link your new card to your U.S. Bank account.

Get answers to other frequently asked questions and learn more about account services, features and benefits on our Checking customer resources page.

Take the next step

Get the app
Enroll in mobile & online banking
Find a branch
Make an appointment
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Disclosures

  1. 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.  

  2. 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.

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

  4. 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.

  5. 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.

  6. 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.