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Premium Checking Account

Premium (Senior) Checking Account

Premium Checking lets you earn interest and enjoy extra benefits, including no monthly maintenance fees for seniors.

Premium Checking is an interest-bearing checking account that rewards you with extra benefits, including free checks and money orders, plus a safe deposit box discount.

And if you’re looking for a senior checking account that can help stretch your money a bit further, there’s one more benefit… No monthly maintenance fees for account holders 65 or above.

Free Checks

We’ll give you free U.S. Bank logo checks (or 50% off checks with other designs) and cashier’s checks.

Earns Interest

Premium Checking is an interest-bearing checking account, so you’ll earn interest on the money you keep in your account.2

Premium Checking Features

  • Free U.S. Bank logo checks or 50% off all other personal styles
  • Free cashier’s checks and money orders
  • Safe deposit box annual fee discount (50% off) on new rentals
  • Earns interest2 (view interest rates)
  • Unlimited free transactions at non-U.S. Bank ATMs3
  • No monthly maintenance fee if account owner is 65 or above

Monthly Maintenance Fee

If you have Online Statements$10.95
If you have paper statements4$12.95
If you do one of these options
  • Are an account holder(s) age 65 or above

  • -OR-

  • Maintain an average account balance of $5,0005

Our online application is fast, simple and completely secure.


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


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


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

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

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

  5. The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of days within the statement period.

  6. The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your original plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

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.

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.

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

Open a Premium Checking Account

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