Student Checking

U.S. Bank Student Checking is a full-service checking account with features designed to help students manage their money.

Benefits include:

Easy Checking

U.S. Bank Easy Checking is our basic checking account that offers standard “must-haves”.

Benefits include:

  • The U.S. Bank Visa® Debit Card
  • Online banking and an award-winning mobile app
  • No overdraft protection fees when the transfer is made from a linked U.S. Bank deposit account2
  • One of the largest ATM networks in America and no ATM transaction fees at U.S. Bank ATMs and MoneyPass® Network ATMs3
  • A Digital Security Guarantee
  • 24/7 customer service
  • E-statements (electronic financial documents delivered securely to your account)
  • Monthly maintenance fee of $6.95. Waive the fee by meeting any one of the following three requirements: have combined monthly direct deposits totaling $1,000 or more or keep an average account balance4 of $1,500 or more or the account holder(s) is age 65 or greater.

Standard Savings

Consider opening a savings account when you open your new checking account. The U.S. Bank Standard Savings has features that are ideal for new savers.

Benefits include:

  • $25 minimum opening deposit
  • Earns interest
  • Automated savings option
  • Monthly maintenance fee of $4. Waive the fee by meeting one of the following three requirements: keep a $300 minimum daily ledger balance5 or keep an average monthly collected balance of $1,000 or more6 or the account holder(s) is under age 187

Bank when, where and how you want.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. The app can help you manage your money and feel more confident about your financial decisions. 

  • View detailed transaction information and track your spending by category.
  • Easily send8, receive and request9 money with friends and family using Zelle®.
  • Set customized account alerts10 to stay aware of low balances, large purchases and more.
  • Receive personalized Insights based on your saving and spending activity.
  • Monitor your credit score11 for free.
  • Get quick, personalized banking answers with U.S. Bank Smart Assistant.
  • Securely share your screen with a banker, with optional face-to-face video, for hands-on help when you need it.

Take control of your finances.

Want to do some research on your own? Our Financial IQ offers an abundance of ideas, tools and tips.

Get advice from our dads.

We asked our employees to share the valuable money lessons they’ve gained from their fathers.

Learn about overdrafts.

We interviewed real students on a college campus to find out what they know about overdrafts and overdraft protection.

Try our 30-day adulting challenge.

We’ve created a checklist of things to do over the next 30 days to help you become financially fit.

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Disclosures
  1. Student enrolled in high school, technical college, trade school or university.

  2. 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.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement section titled Overdraft Protection Plans for additional information

  3. Transactions at non-U.S. Bank ATMs may be assessed ATM transaction fees for each ATM transaction conducted at the non-U.S. Bank ATM. Please refer to the Consumer Pricing Information disclosure section titled, Miscellaneous Checking, Savings or Money Market Fees for the summary of ATM transaction fees. Additionally, non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass ATM locations, select Show MoneyPass® ATM Network locations in the ATM locator.

  4. Average account balance – 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 days within the statement period.

  5. The daily ledger balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included.

  6. Average monthly collected balance – The average monthly collected balance is calculated by adding the principal in the account for each calendar day in the statement period and dividing that figure by the total number of calendar days in the statement period.

  7. Account will be assessed the monthly maintenance fee when the minor reaches 18 years of age. In the event the minor is not currently a signer on the account the minor must visit a branch with the custodian/guardian on the account to gain authority to access account funds.

  8. A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

  9. Requests for money with Zelle®, including split requests, sent to a U.S. mobile number require that the mobile number first be enrolled with Zelle®.

  10. For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that these alerts may not be sent immediately.

  11. Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S. Bank to make credit decisions.

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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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