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Silver Checking Package

Silver Checking (Savings) Account

Our Silver Checking Package is our most popular option for people who want checking and savings together.

When you open a Silver Checking Package, you’ll have the opportunity to open a Package Money Market Savings account at the same time. And when you have both accounts, the monthly maintenance fee on your Silver Checking account will be waived for each month that you have direct deposits of at least $1,000 or maintain a combined account balance of $1,500.4

When you open both accounts, you’ll also have the opportunity to sign up for our U.S. Bank START Smart Savings Program™, with a special reward when you meet your savings goal.5

An Incentive to Save

Sign up for START Smart and earn a $50 reward for meeting your savings goal, plus a bonus of up to $50 for net purchases of gas and groceries with your debit card.5

Preferred Rates for New Loans2

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

Monthly Maintenance Fee

If you have Online Statements$6.95
If you have paper statements3$8.95
If you do one of these options
  • Have a U.S. Bank Package Money Market Savings account
  • – AND EITHER –

  • Have combined monthly direct deposits totaling $1,000+
  • - OR -

  • Maintain a combined account balance of $1,5004

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

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

  4. The combined balance is the total average account balance of the Silver Checking account and all Package Money Market Savings accounts you own. The average account balance is calculated by adding the combined balance at the end of each calendar day during the statement period, up to and not including the last business day of the statement period, and dividing that sum by the number of days used. Business days are Monday through Friday; federal holidays are not included.

  5. U.S. Bank START Smart Savings Program – Enrollment is required within 90 days of account opening. You must be a new customer with a new personal Silver Checking Package and a new or existing Package Money Market Savings account. Additionally, at least one owner name on the Silver Checking Package must also be on the Package Money Market Savings account. A qualifying transfer from your Silver Checking Package to your Package Money Market Savings account must be scheduled during enrollment. To be paid the goal reward and/or bonus, both the associated Silver Checking Package and Package Money Market Savings account must remain open through the program end date, which is 12 months after the enrollment date. A minimum opening deposit of $25 per account is required and all regular account-opening procedures apply. Program is subject to change. See the START Smart Savings Program Agreement for detailed information. For additional information regarding the U.S. Bank Silver Checking Package and Package Money Market Savings accounts, the terms governing your accounts and the use of a U.S. Bank Visa debit card, consult the Your Deposit Account Agreement and the Consumer Pricing Information brochures.

  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.

Equal Housing Lender Equal Housing Lender

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

Open a Silver Checking Account

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