Earn $3001 when you open a new consumer Platinum Checking Package between January 21 and March 18, 2019 and complete recurring direct deposits of two or more that total $2,000 or more within 60 days of account opening.

Open a U.S. Bank Platinum Checking Package

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

You'll get a U.S. Bank Visa® Debit Card and Online/Mobile Banking with Mobile Check Deposit , bill pay and more.

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

  • Get additional Silver Checking Package accounts - ideal for family money management - with no monthly maintenance fee as long as you're a co-owner of the account.5

Pays interest

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

  • With your Silver, Gold or Platinum Package Checking Package, these extra savings are waiting for you - whenever you need them. Do More, Save More with U.S. Bank.
  • A great savings account

  • Competitive interest rates and no monthly maintenance fees are two big benefits of our Platinum Select Money Market Savings account ,6 available only to our Platinum Checking Package customers. And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection .7
  • 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

    • You'll pay no annual fee on a Home Equity Line of Credit if you also have a Platinum Checking account.
    • Looking for a more rewarding credit card? Earn a new account bonus for select FlexPerks credit cards with your Platinum Checking account.
    • Are you an active, hands-on investor? Your Platinum Checking account entitles you to 25 free trades10 When you open a new self-directed brokerage or IRA account through our U.S. Bancorp Investments* affiliate. Learn about brokerage and IRA accounts.

    Pricing and features
    Monthly maintenance fee

    • $24.95
    • $0
      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.

    Other fees

  • The most common checking fees are listed in the Platinum Checking Simple Snapshot (PDF) an easy-to-read summary of pricing and features to help you use this account. For more detailed information, see Consumer Pricing Information and Your Deposit Account Agreement.
  • Learn How to Set Up Direct Deposit

    Direct Deposit

    To receive your bonus, you will need to complete recurring direct deposits of two or more that total $2,000 or more within 60 days of account opening. This is an easy, worry-free way to have electronic deposits - like paychecks or Social Security payments - deposited automatically into your U.S. Bank checking or savings accounts.

    Set up payroll direct deposit with your employer

    1. Ask for a copy of your employer's direct deposit signup form, or download the U.S. Bank Direct Deposit Authorization Form (PDF).
    2. Provide your new U.S. Bank checking account number, U.S. Bank ABA Check routing number and other required information.
    3. Submit the completed direct deposit form to your employer.

    Reminders when filling out the direct deposit authorization form

    • Read form completely and be sure to follow checklist items
    • Keep your information secure and submit directly to your employer
    • Can take several pay cycles to take effect. Follow up with Human Resources.
    How To Earn Your Bonus

    Open a new consumer Platinum Checking Package with promo code below by March 18, 2019.

    Make sure to complete recurring direct deposits of two or more that total $2,000 or more within 60 days of account opening.

    Your bonus will be deposited into your new checking account within 60 days of direct deposit verification.

    The promotion code has already been added for you below. To start your checking account application, click on Apply Now.

    Apply Now
    Why U.S. Bank

    Personalized service means 9 out of 10 customers refer U.S. Bank

    Digital bank tools

    Access to Online & Mobile Banking that makes it easy to track your spending, pay bills, send money, deposit checks and more.

    Thousands of locations

    More than 3,000 branches in 25 states. Access to more than 4,700 U.S. Bank ATMs.

    Service and Support

    Friendly support from real people. Telephone banking specialists located in the U.S. offering support anytime you need it, 24/7.