Make SMART money moves.
- Save for a rainy day.
- Manage your budget.
- Access your credit score.
- Reduce your debt.
- Track your online security.
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.
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.
You can start small. Open a Standard Savings account in minutes with a minimum $25 opening deposit.
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.
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.
Tap into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness.
There are multiple ways, including through: the U.S. Bank Mobile App, online banking, your monthly statement, your checkbook and our routing number directory. The easiest way is to open the app and simply ask the U.S. Bank Smart Assistant™, “What’s my routing number?”
Learn more about finding your routing number.
A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check. A savings account is meant to help you grow your money or set aside funds for a big purchase.
It’s often beneficial to have both as part of your financial plan. Learn more about the differences between checking and savings accounts.
You can open Bank Smartly Checking and Safe Debit accounts for a minor aged 13 through 17 if it is a joint account with an adult. You may do so together online or in a branch. If the minor is under the age of 13 or if you wish to open any other joint account with a minor, you must do so together in a branch. Make an appointment to meet with a banker.
Learn more about how to open an account for a minor.