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Standard Savings Account

If you’ve decided to start saving for the future and want fast, convenient access to your money, our Standard Savings account is ideal for you!

Get a Standard Savings Account

  • Minimum opening deposit: $25
  • Monthly maintenance fee: $4
  • Requirement to waive fee: $300 minimum daily ledger balance3 OR $1,000 average monthly collected balance4
  • Earns interest - view rates

Standard Savings Account Features

With over 3,000 branches and 5,300 ATMs across the country, we make banking easier and more convenient than ever! Apply now for a Standard Savings account. Valuable features include:

  • Online & Mobile Banking – Secure access to your account makes it easy to stay in control of your finances, wherever you are.
  • Online Statements – Sign up and help the environment while keeping your financial information safe and secure. You can also receive paper statements by mail.
  • Overdraft Protection –  Your savings account can be used as Overdraft Protection for a U.S. Bank Checking account.1
  • Free U.S. Bank ATM transactions –  Enjoy unlimited transactions at thousands of U.S. Bank ATMs and neighborhood branch locations.
  • Account alerts –  Receive email or text message reminders about important activity that you request.

Not an Online Banking customer yet? Enroll today!

Apply online for our Standard Savings account. It's secure and takes less than ten minutes to complete your application and get a decision.

Getting Started
To apply online, you'll need:2

  • Your Social Security Number
  • Your driver's license, State ID or Military ID
  • To be at least 18 years old and a legal U.S. resident

Apply Today

  • Enter your personal information
  • Provide details about your account(s)
  • Verify your application data

Submit—and you’re all set.

Enter Zip Code
How to Apply
  1. Federal Regulation D limits certain types of withdrawals and transfers made from a savings or money market account to a combined total of six per account cycle. This includes withdrawals made by check or draft to third parties; debit or ATM card point-of-sale (POS) purchases; and pre-authorized withdrawals such as automatic transfers for overdraft protection and transfers made by telephone, online banking, mobile banking, bill pay, wire and facsimile. Withdrawals and/or transfers exceeding the six per account cycle allowance, will result in a $15 excessive withdrawal fee per transaction. If limitations are continuously exceeded, it may result in conversion to an Easy Checking account. Withdrawals and transfers made in person at a U.S. Bank branch or at an ATM are not included in the limit of six per account cycle.

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  2. Please visit a branch if you do not meet the qualifications.

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  3. The daily ledger balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included.

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  4. The average monthly collected balance is calculated by adding the principal in the account for each calendar day in the statement period and dividing that figure by the total number of calendar days in the statement period.

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  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.

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

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Reward Yourself for Saving

Check out the U.S. Bank START Smart Savings Program™ – a unique program for new checking customers that helps you reach your savings goal and rewards you when you get there. (Requires a Package Money Market Savings account.)5

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