Ready to get more from your money? U.S. Bank Smartly® Checking gives you more control, insights, and support as you build your future. Opening an account with a minimum deposit of $25 unlocks a world of banking value on day one, with helpful digital tools, personalized financial guidance, and benefits built to grow with you.
- Multiple ways to waive the $12.00 Monthly Maintenance Fee. 2 Young adults 18-24 receive an automatic waiver of the Monthly Maintenance Fee. We’ll waive the fee for every new account holder for the first two statement periods. After that, there are multiple other ways to waive the fee.
- $0 ATM transaction fees at U.S. Bank ATMs and on the first four non-U.S. Bank ATM transactions per statement period. 3, 4 (Young Adult group benefit 18-24)
- $0 overdraft protection transfer fees from your Bank Smartly Checking account 5
- $0 overdraft fees when overdrawn $50 or less 6 and Overdraft Fee Forgiven 7 program
- First two incoming wire transfer fees waived per checking statement period (Young Adult group benefit 18-24) 8
- More opportunities to grow your money: When you have both Bank Smartly Checking (or Safe Debit) and Bank Smartly® Savings, you may unlock increased savings rates as your savings grow. 9