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Platinum Checking Package

Our top-tier Platinum Package provides checking with expanded benefits, including the best rates, special rewards and exclusive discounts.

The Platinum Package gives you these valuable extras:

  • Free unlimited U.S. Bank and non-U.S. Bank ATM transactions each month.1
  • Free U.S. Bank logo checks or 50% off all other personal styles.
  • Free money orders, cashier’s checks and travelers cheques.2
  • Earn interest on your checking balances.3
  • Preferred rates and rewards.
    • Preferred rates on new loans and home equity lines of credit.4
    • Available until August 10, 2013, earn a 50% 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.5

Plus these discounts and fee waivers:

  • Up to a $1,000 discount on a U.S. Bank Home Mortgage.6
  • Additional Easy Checking accounts with no monthly maintenance fees.7
  • Save on annual fees with a U.S. Bank Home Equity Line of Credit.8
  • No fees for Overdraft Protection transfers from your Reserve Line, credit card or another deposit account.

When you apply for a Platinum Checking account, you’ll be asked to open a Package Money Market Savings account and/or a U.S. Bank Credit Card at the same time.9 

Already have a U.S. Bank Credit Card or Savings account? If so, it’s easy to make your existing account part of your Platinum 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

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

To open a Platinum 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 Savings account or U.S. Bank Credit Card, or converting an existing U.S. Bank Savings account to meet Platinum 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. No U.S. Bank fees on money orders, cashier’s checks, single-signer traveler’s cheques, stop payments and copies of checks, statements and other items.

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  3. Variable rate account, interest rates are determined at the bank's discretion and can change at  time.

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

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  5. 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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  6. Discount is calculated as 0.25% of the loan amount. Maximum mortgage discount is $1,000. For existing U.S. Bank home mortgages the refinance discount maximum is $300. Certain mortgages may not be eligible. Information is subject to change without notice. Loan approval is subject to program guidelines.

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  7. 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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  8. No closing costs or annual fees.

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  9. 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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  10. Combined deposit balances include the average monthly collected balances for personal checking, savings, money market, CDs and IRAs. Outstanding credit balances include personal purpose loans (some indirect not included), U.S. Bank Home Equity Loans, Home Equity Line of Credit, Premier Line, U.S. Bank Home Mortgage and U.S. Bank credit cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period.

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

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  12. Offer valid only for new Easy Checking accounts accounts opened in the (geographic region here) area between XX date and XX date. A minimum of $50 is required to open a U.S. Bank Checking account. All regular account opening procedures apply.

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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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