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Checking Accounts
How to Apply
| Online | Apply Online |
|---|---|
| Visit Us | Find a Location |
| Call Us | 800-987-7237 |
We all have our own needs when it comes to finding the right checking account. That's why we offer an array of full-feature checking accounts with valuable benefits like free ATM transactions, free U.S. Bank Internet Banking with Bill Pay and much more to complement the checking account you choose.
Plus, when you open one of our comprehensive U.S. Bank Packages1, you'll get even better rates, rewards and save money each year. View our options below, and apply online to start enjoying a better banking experience today!
Free Features with Every Checking Account
- U.S. Bank Check Cards
- U.S. Bank Internet Banking with Bill Pay
- Online Statements
- Mobile Banking
- Free U.S. Bank ATM transactions
Checking Account Options
| Description | Minimum Opening Deposit | Minimum Daily Balance | Monthly Maintenance Fees | Earns Interest | Package Benefits | |
|---|---|---|---|---|---|---|
Silver Checking(As a part of the Silver Package) |
Get free checking plus better rates on money market savings and new loans. | $50 | $0 | $0 | No | Save up to $1002 with the Silver Package |
Gold Checking(As a part of the Gold Package) |
Enjoy reward bonuses on your U.S. Bank Check and Credit Card purchases. | $50 | $0 | $0 with Direct Deposit, AutoPay or Auto-Invest; otherwise, $6 | No | Save up to $2503 with the Gold Package |
Platinum Checking(As a part of the Platinum Package) |
This premium account has the best rates, rewards and discounts we offer. | $50 | $0 | $0 with $25,000 or more in combined U.S. Bank deposit, credit and investment balances; otherwise, $20 | Yes | Save up to $5004 with the Platinum Package |
Free Checking |
It's basic checking with no minimum balance required. | $50 | $0 | $0 | No | N/A |
Elite Checking |
Manage substantial assets with a checking account that earns interest. | $50 | $5,000 minimum or balances in other U.S. Bank accounts5 | $0 with minimum daily balance5; otherwise, $15 | Yes | N/A |
Silver Elite Checking |
Customers 55 and over save with special rates and discounts. | $50 | $0 | $0 | Yes | N/A |
Student Checking |
Free checking with tools for when you're on the go | $25 | $0 | $0 | No | N/A |
Customize Your Account
Uni-Statement Consolidate account information into one, all-inclusive and easy-to-read Uni-Statement.
Overdraft Protection Protect yourself from "bouncing" a check or being caught short on cash in an emergency.
Checking Account Advance Access your next direct deposit to pay for unexpected expenses.6
Direct Deposit Automatically deposit your paychecks or Social Security checks into your account for faster access to your money.
AutoPay Set up recurring payments to guarantee your loan payments are made on time, every time.
AutoTransfer Manage account balances with automatic fund transfers from one deposit account to another for more convenience and a great way to help build your savings.
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NOTE: A U.S. Bank Package Checking Account and Package Money Market Savings and/or qualifying U.S. Bank Visa credit card must be opened with the same account holder names on each account to be eligible for a U.S. Bank Package and its benefits.
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Actual individual savings and benefits may vary depending on the products used and balances maintained. Products and services for each U.S. Bank Package have been combined to offer consumers preferred rates and services at a lower combined price than if each product or service were opened separately. For example, a customer in a U.S. Bank Silver Package must have a $20,000 loan to achieve $100 annual savings.
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Actual individual savings and benefits may vary depending on the products used and balances maintained. Products and services for each U.S. Bank Package have been combined to offer consumers preferred rates and services at a lower combined price than if each product or service were opened separately. For example, a customer in a U.S. Bank Gold Package must have a $40,000 loan and direct deposit to their checking account to achieve $250 in annual savings.
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Actual individual savings and benefits may vary depending on the products used and balances maintained. Products and services for each U.S. Bank C Package have been combined to offer consumers preferred rates and services at a lower combined price than if each product or service were opened separately. For example, a customer in a U.S. Bank Platinum Package with an average outstanding balance of $50,000 on a home equity line of credit will realize $500 in annual savings.
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Minimum Balance and Account Requirements: $5,000 minimum daily ledger balance; $50,000 combined average monthly collected consumer deposit balances (checking, savings, CDs, money markets, IRAs); $50,000 U.S. Bancorp Investments, Inc balances or existence of a trust relationship. Investment products and services available through U.S. Bancorp Investments, Inc. member FINRA and SICPC, an investment advisor and a brokerage subsidiary of U.S. Bancorp and an affiliate of U.S. Bank.
NOT FDIC INSURED, NO BANK GUARANTEE, MAY LOSE VALUE
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Subject to eligibility requirements.
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