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, Safe Debit Account Pricing and Information guide, the Digital Service Agreement and Fee Guide, Your Deposit Account Agreement and the State Farm Addendum and Consumer Pricing Information disclosure.

Account Opening and Maintenance

Minimum Opening Deposit: 

$25

Monthly Maintenance Fee:

$4.95

Waive Monthly Maintenance Fee:

This fee cannot be waived.

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 normal credit approval.

ATM Fees

Transactions – U.S. Bank ATMs:

$0

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

Overdraft Coverage

ATM and Debit Card Overdraft Coverage:

NO. U.S. Bank will not authorize or pay overdrafts on ATM and everyday debit card transactions. These transactions will be declined if there is not enough money in your account, and you will not be assessed overdraft fees.

Automatic Bill Payments and Recurring Debit Card Transactions:

These items will not be paid and Overdraft Paid or Overdraft Returned Item Fees will not be assessed. However, you may incur merchant fees for unpaid items.

Overdraft Fees and Overdraft Protection

Overdraft Paid and Overdraft Returned Fees:

No fee

Minimum Overdrawn Balance Threshold:

Not available

Daily Maximum:

Not available

Extended Overdraft Fee:

No fee

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; 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 U.S. Bank’s 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 cash from an account with insufficient funds

Digital Services

Online Banking:

$0.

View and manage your accounts through usbank.com.

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:

Standard Delivery: $0. 1-2 days for electronic; paper checks not available.

Express delivery is not available

Text Banking:

$0. Get up-to-the-minute account information with simple text commands.

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.

Account Alerts:

$0. Customize your own alerts to stay informed about important account activity.

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.

Mobile Banking:

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

Send Money:

– Zelle®:

$0. Send or request money with Zelle using an email address or U.S. mobile number (eligibility requirements and restrictions apply)

– Send to Account:

$0. Standard (2-3 days) with a valid account and routing number

To send money in minutes with Zelle, you must have an eligible U.S. Bank account and have a mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. Terms and conditions apply. 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.

e-Bills:

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

e-Statements:

$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 (24-Month Duration):

 $35 (ACH only)

For more detailed fee information, consult the  Safe Debit Account Pricing and Information guide, Safe Debit Account Terms and ConditionsYour Deposit Account Agreement and the State Farm Addendum and Consumer Pricing Information disclosure.

For more detailed information on Digital Services and fees, refer to the Digital Service 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 normal credit approval.  U.S. Bank. 5/21