Fifteen minutes is all it takes to open a checking account online at, and you can use a credit card or debit card to make your opening deposit.

You need to be 18 or older and a legal U.S. resident to open a checking account at U.S. Bank. You'll also need:

  • A Social Security Number
  • A driver's license or state/military ID

Once approved, you'll be asked to submit your opening deposit to activiate your account. The minimum deposit to open a checking account is $25.

Open a Checking Account Online

Learn more about our checking accounts

What do you need in a checking account?

I need a checking account with convenient ATM access.

All U.S. Bank checking accounts give you free transactions at any of our U.S. Bank ATMs or 3,000-plus neighborhood branch locations.

I need a checking account with a debit card for everyday purchases.

The U.S. Bank Visa® Debit Card is a convenient alternative to checks and cash for everyday purchases – and it works at ATMs, too.

I need a checking account that gives me anytime, anywhere access.

Our Online Banking website and mobile apps let you view balances, transfer money, deposit checks and more from your computer, tablet or mobile phone.qg6mi4 

I need a checking account that helps me stay informed.

Set up email and text alerts, and know instantly when a payment is due or a balance dips too far – you choose the alerts you want.u6mzjq 

I need a checking account that helps me stay ahead of my bills.

With bill pay online, you can pay your bills fast and on time, all from one secure place instead of multiple business websites.

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