Open a Bank Smartly® checking account in minutes with a minimum deposit of $25. As a Youth or Young Adult, you’re automatically enrolled in the U.S. Bank Smart Rewards® program and will receive these and other benefits.
- $0 monthly maintenance fees: There are multiple ways to get them waived 1
- $0 ATM transaction fees at U.S. Bank ATMs and on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after four) 2, 3
- $0 overdraft protection transfers made from an eligible linked U.S. Bank deposit account 4
- $0 overdraft fees when overdrawn $50 or less 5 and Overdraft Fee Forgiven 6 program
- Two incoming wire transfer fees waived per Bank Smartly Checking statement period (Young Adult group benefit 18-24) 7