Simple Snapshot:
U.S. Bank Safe Debit Account

U.S. Bank Safe Debit Account is an alternative to a traditional checking account. It’s a bank account with no checks and lots of advantages. Find common fees below. Or for a complete list of account terms, policies and pricing refer to the U.S. Bank Safe Debit Account Terms and Conditions (PDF), the Safe Debit Account Pricing and Information (PDF) guide, the Digital Service Agreement, Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure.

Account opening and maintenance

Minimum opening deposit:


Monthly maintenance fee:


Waive monthly maintenance fee:

This fee cannot be waived.

ATM fees

Transactions – U.S. Bank ATMs:


Transactions – non-U.S. Bank ATMs:

$2.50. Additionally, non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network.1

Overdraft coverage

ATM and debit card overdraft coverage:

Overdraft services are not available with the Safe Debit Account. U.S. Bank will not authorize or pay overdrafts on ATM and everyday debit card transactions. These transactions may be declined if there is not enough money in your account, and you will not be assessed overdraft fees. For more information, see the U.S. Bank Safe Debit Account Terms and Conditions (PDF) and the Safe Debit Account Pricing and Information (PDF).

Automatic bill payments and recurring debit card transactions:

These items will not be paid if you do not have enough money in your account and Overdraft Paid Fees will not be assessed. However, you may incur merchant fees for unpaid items.

Overdraft fees and overdraft protection

Overdraft Paid Fees:

No fee

Minimum overdrawn balance threshold:

Not available

Daily maximum:

Not available

Overdraft protection:

Not available

Overdraft Protection Transfer Fee:

Not available

Transaction processing

Transaction posting order:

Transactions are generally processed in the following order on the business day they are received:

  • All deposits; then,
  • Customer-initiated, non-check withdrawals in date and time order, starting with the earliest transaction

Funds availability

Branch deposits and ATM deposits:

Please refer to the U.S. Bank Your Deposit Account Agreement (PDF) for details regarding the U.S. Bank funds availability policy.

Direct deposits and wire transfer deposits:

Same business day

Digital services

Online banking:

$0. View and manage your accounts through

Anytime credit score access:

$0. View your credit score and use the simulator tool to see how certain actions affect your score. Free credit score access, alerts and score simulator through TransUnion's CreditView Dashboard® are available to U.S. Bank online and mobile banking clients 2

Bill pay:

$0. Electronic payments are processed within one to two days.

Account alerts:

$0. Customize your own alerts to stay informed about important account activity. Message frequency depends on account settings.

For text alerts, standard messaging charges apply through your mobile carrier. Check with your carrier for specific fees and charges.

Mobile banking:

$0. View and manage your accounts through the U.S. Bank Mobile App or the mobile website.

Send money:

$0. Send, receive and request money with Zelle® using an email address or U.S. mobile number. 

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

External transfers:

Inbound transfers:

  • Standard delivery: $0
  • Next Day delivery: $0

Outbound transfers:

  • Standard delivery: $0

Transfer money to or from your accounts at other financial institutions. Eligibility requirements and restrictions apply.


$0. Set up electronic versions of your paper bills and get them delivered directly to your online banking inbox.


$0. Receive, view and store electronic copies of your account statements.

Debit card services

Debit card cash advance:

$2. Assessed when performing a cash advance with a teller at any financial institution that accepts Visa®

Other account services

Paper statements with check images:

Not available

Stop payment:

$35 (ACH only)

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Safe Debit Account is subject to certain account limitations and eligibility requirements, including the use of bill pay and Mobile Check Deposit. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions (PDF) and Safe Debit Account Pricing and Information (PDF) guide for details. Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

For more detailed information on digital services and fees, refer to the Digital Service Agreement.

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  1. ATM Transaction FeeU.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  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 contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

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

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