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Gold Checking Package

The Gold Package starts with a checking account that comes bundled with added benefits. It’s a great choice if you have growing financial needs and want a complete package that offers superior value.

The Gold Package gives you these valuable extras:

  • Two free non-U.S. Bank ATM transactions per statement cycle.1
  • Preferred rates and rewards.
    • Preferred rates on new loans and home equity lines of credit.2
    • Available until August 10, 2013, earn a 25% monthly bonus on rewards earned for net purchases (purchases minus credits and returns) with a U.S. Bank Cash+™ Visa Signature® or FlexPerks® Visa® Credit Card.3

Plus these discounts and fee waivers:

  • Add an Easy Checking account with no monthly maintenance fee.4

When you apply for a Gold Checking account, you’ll be asked to open a Package Money Market Savings account or a U.S. Bank Credit Card account at the same time.5

Already have a U.S. Bank Credit Card or Savings account? If so, it’s easy to make your existing account part of your Gold Package during the application process.

All U.S. Bank Checking accounts provide:

  • Online statements – Sign up and help the environment while keeping your financial information safe and secure.
  • Check Card convenience – Use your U.S. Bank Visa Check Card instead of cash or checks for purchases at millions of locations.  
  • Online and Mobile Banking – U.S. Bank provides you with the latest technology you need to securely manage your money – on your schedule.
  • Free Bill Pay – Pay your bills fast and on time and keep track of them with ease, all from one secure place instead of multiple biller sites.  
  • Thousands of branch locations – With more than 3,000 branch offices, it’s easy to find a location near you.
  • U.S. Bank ATM transactions – Use any of our 5,300-plus U.S. Bank ATMs to make withdrawals or deposits, get account information and transfer funds.
  • Account Alerts – Receive email or text message reminders about important activity that you request.
Special Promotion: $0 Monthly Maintenence Fee

This account is changing on August 12, 2013. Learn more

Monthly Maintenance Fee

Options to Avoid the Monthly Maintenance Fee

  • Average account balance of $2,500 or more6, OR
  • Combined monthly direct deposits totaling $500 or more, OR
  • Automatic payments to a U.S. Bank personal loan, line or credit card7, OR
  • Automatic monthly transfers to a U.S. Bancorp investment account

Consumer Pricing Information (PDF)
Deposit Account Agreement (PDF)


Applying online takes as little as five minutes and is completely secure. 

To open a Gold Checking account online, you need:

  • a minimum opening deposit of $25
  • to be at least 18 years old and a legal U.S. resident
  • a Social Security Number
  • a driver’s license or state/military ID

If you’re missing any of these items, please apply in person at a branch location.

You have the option of opening a new Package Money Market Saving account or U.S. Bank Credit Card, or converting an existing U.S. Bank Savings account to meet Gold Package requirements. Once approved, you’ll be asked to submit your opening deposit(s) to activate your account(s).

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How to Apply


  1. Surcharge fees will be applied by ATM owners unless they are participating in the MoneyPass® network.

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  2. Subject to credit qualifications and approval. Home Equity Loans and Lines of Credit offered through U.S. Bank National Association.

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  3. Monthly bonus is calculated based on rewards earned each month for net purchases (purchases minus credits and returns) and excluding elevated rewards based on special purchase-category tiers made with a U.S. Bank Cash+™ Visa Signature® Card, FlexPerks® Travel or Select Rewards Visa® Credit Card.

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  4. Requires at least one identical account holder on all accounts. Limit two Easy Checking accounts with no monthly maintenance fee for Gold Package customers.

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  5. To maintain Package benefits, a Silver, Gold or Platinum Checking and a Package Money Market Savings and/or any U.S. Bank credit card must remain open. See the U.S. Bank Your Deposit Account Agreement booklet and Consumer Pricing Information brochure for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice.

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  6. Average Account Balance for Silver or Gold Checking is determined by adding the balance at the end of each calendar day during the statement period, up until and not including the last two business days 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.

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  7. Automatic payment from the Gold Checking account to a personal loan, line of credit or credit card. Does not include student loans and some indirect loans.

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

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

Investment products and services available through U.S. Bancorp Investments, Inc., member FINRA and SIPC, a wholly owned brokerage subsidiary of U.S. Bancorp and an affiliate of U.S. Bank. NOT FDIC INSURED. NO BANK GUARANTEE.  MAY LOSE VALUE. U.S. Bank is not responsible for and does not guarantee the products, services or performance of its affiliates.

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