Here’s what to expect:

Our goal is to make checking work for you. During your transition to U.S. Bank, here’s what you can look forward to:

  • Before your account moves to U.S. Bank on Memorial Day weekend 2023, you'll receive a letter in the mail in mid-May 2023 containing your new account number. Please make sure to use your new account number starting May 30, 2023.
  • You’ll receive a new U.S. Bank Debit and/or ATM Card with a new card number by July 15, 2023. Until then, continue using your current Union Bank Debit and/or ATM Card.
  • Your existing direct deposits, bill pay and automatic payments will not be interrupted.
  • Use your old checks until they’re gone. Reorder your checks through U.S. Bank and use your new U.S. Bank account number. 

Key features:

U.S. Bank SmartlyTM Checking

With U.S. Bank Smartly Checking and U.S. Bank Smart RewardsTM, your benefits increase as your combined balances grow. Manage your money with our cash management tools, save on fees and maximize your savings. Gain access to financial insights, digital tools and more.

Deposits to your new accounts

After your account transitions, use your new U.S. Bank account number when you set up new payments or deposits. You can update all your existing accounts at your earliest convenience. We recommend you do that within 30 days.


Enjoy fee free access at U.S. Bank ATMs when you use your Union Bank Debit Card, ATM Card or Credit Card. 

Please note, we're updating our ATMs to bring you an enhanced experience. During this time, you might only be able to access your primary checking and saving accounts. Enhancements will be completed May 30.

Answers to your questions about transitioning your checking accounts.

Start of disclosure content

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

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Refer to Your Deposit Account Agreement and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.