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Platinum Checking Package

Platinum (Interest) Checking Account

Our Platinum Checking Package puts you in first class with a full menu of benefits and our very best rates.

The Platinum Checking Package is an interest-bearing checking account that gives you everything from free checks and money orders to discounts that could save you hundreds on your next home mortgage or refinance.2

And if you already have a mortgage or personal loan with U.S. Bank or higher balances in your U.S. Bank personal deposit accounts, you may be able to waive the monthly maintenance fee.

Preferred Rates for New Loans3

You also get rate discounts on new auto loans, home equity loans or lines, and other personal loans

Additional Easy Checking Accounts

Ideal for family money management, with no monthly maintenance fee as long as you’re a co-owner of the account.4

Special Ways to Help You Save

With S.T.A.R.T. Savings Today And Rewards Tomorrow®, you can earn up to $100 in rewards when you save $1,000!5

Platinum Checking Features

  • Unlimited free transactions at non-U.S. Bank ATMs6
  • Unlimited additional Easy Checking accounts with no monthly maintenance fee4
  • Preferred rates on new loans3
  • Earns interest7(view interest rates)
  • Free U.S. Bank logo checks or 50% off all other personal styles
  • Free cashier’s checks, money orders and travelers checks
  • Home mortgage origination discounts (up to $1,000)2
  • No annual fee for a Home Equity Line of Credit
  • Safe deposit box annual fee discount (50% off) on new rentals
  • No fees for Overdraft Protection transfers
  • 25 free trades8 with a new self-directed brokerage account through our affiliate, U.S. Bancorp Investments*
  • Free DepositPointTM transactions11
  • New account bonus when you open a select U.S. Bank or FlexPerks Credit Card

Monthly Maintenance Fee

If you have Online Statements$17.95
If you have paper statements9$19.95
If you do one of these options
  • Maintain $25,000 in combined personal deposits, investments* and/or credit balances10

    -OR-

  • Have a relationship with U.S. Bank Trust Services
$0

Our online application is fast, simple and completely secure.

Fast

Five minutes is all it takes to open a checking account online.

Simple

Use a credit or debit card to make your opening deposit.

Secure

We protect your information with SSL encryption.

  1. Your mobile carrier may charge access fees depending upon your individual plan. Check with your carrier for specific fees and charges.

  2. The mortgage origination discount is calculated as 0.25% of the loan amount. The maximum mortgage discount is $1,000. For existing U.S. Bank home mortgages, the maximum refinance discount is $300. Certain mortgages may not be eligible. Interest rates, program terms and information are subject to change without notice. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loans amounts.

  3. Mortgage and credit products are subject to eligibility requirements and normal credit approval. Credit products are offered through U.S. Bank National Association.

  4. Platinum and Gold package customers can open additional Easy Checking accounts with no monthly maintenance fee. Requires at least one identical account holder on all accounts. Gold Package customers are limited to two Easy Checking accounts with no monthly maintenance fee.

  5. Enrollment is required. A qualifying transfer from your Package Checking account to your Package Money Market Savings account must be scheduled and maintained. You must open and/or maintain an active U.S. Bank Silver, Gold or Platinum Checking account AND a Package Money Market Savings account. See the S.T.A.R.T. Program Agreement for complete details.

  6. Non-U.S. Bank ATM owners will apply a surcharge fee unless they participate in the MoneyPass® Network.

  7. Variable rate account. Rates are determined at the bank’s discretion and may change at any time

  8. Offer is for 25 free trades and applies to online trades of equities and exchange-traded funds only. At least $1,000 in cash or securities is required to open a self-directed brokerage account. Free trades will be applied once funding is confirmed. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. This is a one-time offer and is not renewable. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information by clicking on the "Why us/Self-directed" tab of the U.S. Bancorp Investments website.

    *Investment products and services 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. U.S. Bancorp Investments is not a tax or legal advisor. When it is appropriate you are encouraged to seek professional tax or legal advice. U.S. Bank is not responsible for and does not guarantee the products, services or performance of affiliates.

  9. Additional fees apply for statements with check images or check return.

  10. 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 purpose loans (excluding some indirect 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.

  11. To be eligible for DepositPoint, you must be a U.S. Bank Online or Mobile Banking customer with direct ownership in a U.S. Bank Checking or Savings account and have no more than two returned deposited items in the past 3 months. Use of DepositPoint in a location outside the United States is prohibited.

    Accounts may be assessed other fees. See the Deposit Account Agreement and Consumer Pricing Information for additional disclosures and a list of fees and services applicable to deposit accounts.

Investment products are:

Not a Deposit Not FDIC Insured May Lose Value Not Bank Guaranteed Not insured by any Federal Government Agency

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual’s tax and financial situation is unique. Clients should consult their tax or legal advisor for advice and information concerning their particular situation.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of its affiliates.

*For U.S. Bancorp Investments:

Investment products and services 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.

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

Equal Housing LenderEqual Housing Lender

The U.S. Bank Visa Check Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Open a Platinum Checking Account

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