Our top-tier account, with the best rates and all the perks
The Platinum Checking Package is an interest bearing account with the best rates, and discounts that could save you hundreds on your next home mortgage or refinance.
And if you already have a mortgage or personal loan with U.S. Bank or higher balances (see below) in your U.S. Bank personal deposit accounts, you may be able to waive the monthly maintenance fee.
Platinum Checking benefits
Basic banking must-haves
Non-U.S. Bank fee ATM transactions
No U.S. Bank ATM Transaction fees at non-U.S. Bank ATMs.12
Free mobile check deposits
You can deposit checks anytime with the U.S. Bank Mobile app – and there's no fee for deposits to your Platinum Checking account.2
No-fee overdraft protection transfers
Pay no fees for overdraft protection transfers made from your U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Premier Line, U.S. Bank Home Equity Line of Credit, and other U.S. Bank Lines of Credit.3
Personal Check Discounts
Free U.S. Bank logo checks on initial check order or 50% discount on all other personal designs. 50% discount on any re-orders. (U.S. Bank logo or personal).
No fees for copies of checks and more
No fees for copies of checks and paper statements. Plus, get a safe deposit box at half off the annual fee.
Family member accounts
Get 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
Platinum Checking is an interest-bearing checking account, so you'll earn interest on the money you keep in your account. (view rates)
Benefits beyond checking
A great savings account
Eligible to save on closing costs
Eligible for the U.S. Bank Customer Credit with a new or existing U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank.8 Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,000.9
Exclusive Platinum benefits
Pricing and features
Monthly maintenance fee
With $25,000 in combined personal deposits, credit balances11 with U.S. Bank and/or investments* through U.S. Bancorp Investments.
- or -
A personal trust relationship with U.S. Bank Wealth Management.