Earn your rewards

Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account:1

  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits within the first 60 days1 of opening your account. Your bonus amount is determined by the total amount of the direct deposits:
    • Earn $200 when your direct deposits total $2,500 to $4,999.99.
    • Earn $400 when your direct deposits total $5,000 or more.

To have the promo code automatically entered for you in the application process, use the Apply buttons below.

NOTE: If you apply for your checking account on another page, you’ll need to enter this promo code manually:2 2021Q4C.

Choose the checking account that’s best for you.

Platinum Checking Package

This is our top-tier checking account. It offers the best rates and rewards.

The $24.95 monthly maintenance fee can be waived if either one of the following applies to you:

  • You have $25,000 in combined personal deposits or credit balances3 with U.S. Bank and/or investments* through U.S. Bancorp Investments.
  • You have a personal trust relationship with U.S. Bank Wealth Management.

Gold Checking Package

This package has extra benefits for U.S. Bank credit card and loan customers, including no ATM fees at U.S. Bank ATMs and no fees on your first two transactions per statement4 period at non-U.S. Bank ATMs.

The $14.95 monthly maintenance fee can be waived if you have an open U.S. Bank personal loan, line of credit, mortgage or credit card.5

Easy Checking account

This is a basic checking account with standard features available to all of our checking packages. These include mobile and online banking and a U.S. Bank Visa® Debit Card.

The $6.95 monthly maintenance fee can be waived if any one of the following applies to you:

  • Your combined monthly direct deposits total $1,000 or more.
  • You keep an average account balance6 of $1,500 or more.
  • You are age 65 or greater.