Simple Snapshot:
U.S. Bank Platinum Checking Package

U.S. Bank Platinum Checking Package is an interest-bearing checking account that offers a full menu of benefits on bank products. Find common checking-related fees below. Or for a complete list of account terms, policies and pricing, refer to Your Deposit Account Agreement and the State Farm Addendum and Consumer Pricing Information disclosure.

Account opening and maintenance

Minimum opening deposit:


Monthly maintenance fee:


Waive monthly maintenance fee:

There are two ways to have the fee waived.

  • Have $25,000 or more in combined personal deposits and credit balances with U.S. Bank and/or investments through U.S. Bancorp Investments or
  • Have a personal trust relationship with U.S. Bank Wealth Management

Note: Contact a banker to learn how fees may be waived for current or former members of the Armed Forces. Learn how U.S. Bank supports those who serve.

Combined deposit balances include the average monthly collected balances for U.S. Bank personal checking, savings, money markets, CDs and IRAs. Outstanding credit balances include U.S. Bank personal and purpose loans, U.S. Bank mortgages, U.S. Bank home equity loans and lines of credit, U.S. Bank Premier Line and U.S. Bank credit cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period with U.S. Bancorp Investments.

Investment and Insurance products and services including annuities are:
Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

For U.S. Bank:

 Equal Housing Lender. Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval.

ATM fees

Transactions – U.S. Bank ATMs:


Transactions – non-U.S. Bank ATMs:

$0. Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. If you use an ATM that uses the MoneyPass® Network and are charged a fee, please contact us at 800-USBANKS (872-2657) for a refund.  

Choose if you want ATM and debit card overdraft coverage.

You’ll need to make a decision about overdraft coverage for ATM transactions and debit card purchases (e.g., paying for gas at the pump, buying groceries and buying something online) that you make when there isn’t enough money available in your account.

If you say “yes” to ATM and debit card overdraft coverage, the bank may pay these transactions and charge an Overdraft Paid Fee.

If you say “no” to ATM and Debit card overdraft coverage, these transactions will be declined, and you will not be charged an Overdraft Paid Fee.

Note: Saying “no” to overdraft coverage for ATM and debit card transactions does not guarantee that you will avoid any Overdraft Paid Fees for other types of transactions on your account.

Checks, automatic bill payments and recurring debit card transactions may be paid or returned at the bank's discretion and are subject to Overdraft Paid Fees.

Overdraft fees and overdraft protection

Overdraft Paid Fees:

$36 for each item of $5.01 or more

$0 for each item of $5 or less

Other merchant fees may apply.

Minimum overdrawn balance threshold:

If your available balance at the end of the business day is or would be:

  • Overdrawn by $50.01 or more, an Overdraft Paid Fee may be assessed.
  • Overdrawn by $50 or less, an Overdraft Paid Fee will not be assessed.

Daily maximum:

U.S. Bank limits the number of charges to a daily maximum of four Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

Extended Overdraft Fee:

A $36 fee is charged if the available balance remains negative $50.01 or more for eight consecutive days; you will be charged the $36 Extended Overdraft Fee on that day or the next business day, as applicable.

U.S. Bank Overdraft Fee Forgiven

All U.S. Bank consumer checking accounts (excluding Safe Debit Accounts) are eligible for U.S. Bank Overdraft Fee Forgiven, which gives you extra time to bring your account to a zero or positive balance to waive those fees. The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s). If there are qualifying deposits and the Available Balance* is at least $0, we will automatically waive the Overdraft Paid Fee(s).

*Excluding the Overdraft Paid Fee(s) and including immediate and same day deposits

Deposits that generally will qualify for Overdraft Fee Forgiven include:

  • ACH and electronic deposits
  • Cash deposits
  • Wire transfers
  • ATM deposits at U.S. Bank ATMs
  • Check deposits in branch
  • Internal transfers from another U.S. Bank account

Deposits that generally will not qualify for Overdraft Fee Forgiven include:

  • Mobile check deposit
  • Extended hold placed on a deposit
  • Deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit

Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details

Overdraft protection and Overdraft Protection Transfer Fee:

Link an eligible U.S. Bank savings, money market, checking or credit account (U.S. Bank Reserve Line, credit card, personal line of credit, home equity line of credit and/or other lines of credit) to your U.S. Bank checking account to automatically transfer funds when transactions exceed the Available Balance in your account.

There is no Overdraft Protection Transfer Fee for Platinum Checking Account holders.

Learn more about overdraft protection

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; then,
  • Paper checks in number order, starting with the lowest number

Funds availability

Branch deposits and ATM deposits:

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

Direct deposits and wire transfer deposits:

Same business day

Returned deposited item or cashed check fee:

$19 for each check you deposit or cashed from an account with insufficient funds

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 CreditViewSM Dashboard are available to U.S. Bank Online Banking customers only.

Bill pay:

$0 for standard one-to-two day electronic delivery

$0 for standard three-to-four day paper check

$14.95 for same day or overnight

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.

Please be advised that the alerts may not be sent immediately.

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:

$2 per statement cycle

Stop payment (24-month duration):


For a comprehensive list of all pricing, ATM and Debit Card Overdraft Coverage terms and policies please see the State Farm Addendum and Consumer Pricing Information disclosure and Your Deposit Account Agreement.

Deposit products offered by the U.S. Bank National Association. Member FDIC. Mortgage, Home Equity and credit products offered by U.S. Bank National Association and subject to credit approval.

© 2022 U.S. Bank.