Switch in three simple steps.

Step 1

Open your account.

  • Apply online in under five minutes or apply at a branch.
  • Get your government-issued ID and Social Security number ready.
  • Fund your account — most accounts can be opened with a minimum of $25.

Step 2

Transfer recurring deposits & payments.

  • Add money to your new account with an online transfer or at a branch.
  • Update automatic payments and subscriptions.
  • Set up or move direct deposits.

Step 3

Close your old bank account.

  • Make sure to confirm your account closure.
  • Keep records from your old account.
  • Fund your account — most accounts can be opened with a minimum of $25.
  • Get the Mobile App if you haven’t already.

Get Smart Rewards, too.

Free to join, easy to use. Enroll after you open a Bank Smartly checking account to earn rewards just for banking with us.

Keep your money safe, easily manage your account and access automated tools to help plan for your future.

Looking for more ways to save?

Get to know these easy-to-understand accounts that make your money work harder and smarter.

Standard Savings account

Offers first-time savers and those with low balances a hassle-free way to save.

Elite Money Market Account

Easily access your money and get higher interest rates1 based on your balance tier.

Certificates of deposit (CD)

Lock in great rates that beat traditional savings.

Simple Tips to Manage Your Money.

Explore financial wellness essentials

5 tips for parents opening a bank account for kids

How to share a bank account with your partner

Frequently asked questions

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  1. Variable rate account – Interest rates are determined at the bank’s discretion and may change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

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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.

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