Standard Savings Account pricing and features

$0 or $4 monthly maintenance fee

Waive your monthly maintenance fee with one of the following:

  • $300 minimum daily ledger balance1
  • $1,000 average monthly collected balance2
  • Account holder(s) under age 183


Minimum opening deposit

You’ll need a $25 minimum opening deposit.

Account interest

Save money and watch it grow by earning interest on your account balance. 

For more information on features and pricing, check out:

 

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Today's Savings Rates

Annual Percentage Yield (APY) and interest rates effective date for zipcode (Edit)

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Daily balance*

APY

Interest rate

$ to $

  • $ to $

Benefits for all U.S. Bank Savings accounts

No ATM transaction fees at U.S. Bank ATMs

As a U.S. Bank customer, you have access to one of the largest ATM networks in America.

Overdraft protection options

Get automatic coverage of negative checking balances when you link your savings account to your checking account.

Account alerts

Stay on top of your account by setting up email or text message reminders about low balances, transfers and other important activity.4

Online and mobile banking

Stay on top of your account by setting up email or text message reminders about low balances, transfers and other important activity.4

Automated savings options

Watch your savings grow when you set up recurring transfers. Just link your savings account to another U.S. Bank account.

E-statements

Quickly access your savings account statements online anytime. They’re automatically archived, and they’re free.

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Disclosures

* You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited you will not receive the accrued interest.

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  1. The daily 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.

  2. 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.

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

  4. Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges.

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