For ZIP  

Switch in just a few steps

Take it step by step, starting with opening an account. The tools you need are ready right away, so you’re always in control.

Step 1 Newly opened account confirmation on a phone

Apply in minutes

Apply online, then grab the U.S. Bank Mobile App to finish the rest.

Step 2 Start of DIY direct deposit switch in the U.S. Bank Mobile App

Set up direct deposit

Link your paycheck in the app with just a few taps.

Confirmation of a switched subscription payment seen on a phone

Switch your payments

Move most recurring payments to your new checking, debit or credit card.

APPLY IN MINUTES

Meet Bank Smartly Checking

See how your paycheck, payments and spending come together in one place. Here’s what you get:

Smart Rewards® that grow from day one, dollar one

Multiple ways to waive the $12 Monthly Maintenance Fee1

U.S. Bank Overdraft Fee Forgiven2 and protection3

Contactless debit card

Over 4,000 no-fee U.S. Bank ATMs4 5

Learn more about Bank Smartly Checking
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Your paycheck is now linked callout from the mobile app

Set up direct deposit

Get paid in your new account, fast.

With no employer forms to chase down, getting your paycheck into your new account is faster and simpler with the U.S. Bank Mobile App or online banking. Set up direct deposit yourself and start getting paid.

 

Payment Switch

Keep your payments running seamlessly

In the U.S. Bank Mobile App, you can switch most recurring payments to your new account with a few taps and manage them all in one place. You’ll know exactly what’s due, when and where, so nothing slips through the cracks.

Frequently asked questions about switching to U.S. Bank

Easy Switch helps you move your money to your new U.S. Bank account in two key ways – by switching your direct deposit and updating your recurring payments.

Once your account is open, you can use tools in the U.S. Bank Mobile App to guide you through both steps, helping simplify what can otherwise be a manual process. By moving both your income and your payments, you can complete your switch with greater confidence and less disruption.

To switch direct deposit to a new bank account, you’ll need to update your account details with your employer or benefits provider. This can often be done through your payroll system or by submitting a direct deposit form with your new routing and account numbers.

With U.S. Bank Easy Switch, U.S. Bank provides tools to help guide you through this process so you can update your direct deposit yourself. Once your information is updated, your deposits are usually redirected within one to two pay cycles.

Yes. U.S. Bank Easy Switch includes the ability to update many of your subscriptions and recurring payments in one place.

Instead of contacting each company individually, you can use the U.S. Bank Mobile App to identify eligible payments and securely update them to your new account, helping save time and reduce the risk of missed payments.

You can switch many types of recurring payments, including subscriptions, streaming services, memberships and other regularly billed expenses.

These are typically payments that are charged automatically on a recurring basis. Moving them to your new account helps ensure your everyday spending continues without interruption.

For bill payments in mobile and online banking, learn more about Bill Pay.

In many cases, you won’t need to update each payment manually. U.S. Bank Easy Switch allows you to manage multiple eligible subscriptions and recurring payments in one place within the U.S. Bank Mobile App.

For any payments that can’t be updated automatically, you may still need to contact the provider directly to complete the change.

You can manage your direct deposit and recurring payment updates in the U.S. Bank Mobile App.

The app provides a centralized place to track your progress, make updates and confirm when your switches are complete, so you can stay in control throughout the process.

Yes. U.S. Bank uses multiple layers of security to help protect your information when switching deposits and payments.

Account activity is monitored, and security features within the mobile app are designed to help safeguard your data as you update your financial information.

One of the most important steps when switching banks is properly closing your old account. Before closing, download your statements, move any remaining funds and ensure all transactions have cleared. Then ask your bank to officially close the account – don’t rely on a $0 balance alone, as fees could still be applied.

Be sure to get confirmation of closure, such as a final statement, written notice or secure message from the bank for your records.

Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Log in to your account(s)

Manage your banking needs on the go, anytime, anywhere.

Call 800-872-2657

Call us and a representative will be happy to help you.

Make an appointment

Schedule a virtual or in-person meeting with a banker.

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Disclosures

  1. Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date. Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

    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.

  2. U.S. Bank Overdraft Fee Forgiven Program - 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 business 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 third 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.

  3. Overdraft Protection Transfer Fees are waived on U.S. Bank Smartly Checking accounts. 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. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. No Overdraft Protection Transfer Fee(s) will be charged for transfers from linked deposit accounts.

    Refer to Your Deposit Account Agreement (PDF), section titled Overdraft Protection Plans, for additional information.

  4. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. This means that you may be charged more than one ATM Transaction fee at a Non-U.S. Bank ATM during a single ATM session. 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. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

    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.

  5. 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.

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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.

Deposit products are offered by U.S. Bank National Association. Member FDIC.