Take control of fees with checking.

Open a Bank Smartly checking account with a minimum deposit of $23. As a Youth or Young Adult, you’re automatically enrolled in the U.S. Bank Smart Rewards® program and will receive these benefits:

  • Option to get your monthly maintenance fees waived 1 and pay $0
  • $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 $30 or less 5 and Overdraft Fee Forgiven 6 program
  • For Young Adults (ages 16 to 22), two incoming Wire Transfer Fees waived per Bank Smartly Checking statement period 7

Make your savings work for you.

Open a Bank Smartly® Savings account with a minimum deposit of $25 and enjoy the following benefits:

  • $0 ATM transaction and surcharge fees at U.S. Bank ATMs 2
  • $0 overdraft protection transfer fees made from an eligible linked U.S. Bank deposit account 4
  • Waiver of the $5 monthly maintenance fee with a Bank Smartly Checking or Safe Debit account. 8
  • Account alerts: Set up email or text message reminders about low balances, transfers and other important activity 9
  • Automated savings options: Link your savings account to another U.S. Bank account and set up recurring transfers
  • E-statements: Quickly view your savings account statements online anytime – they're automatically archived and free to access
Apply as a Young Adult (ages 18-24)
Apply as a Young Adult (ages 18-24)

Win up to $20,000 in scholarships.

Complete our free, in-app lessons about personal finance topics. The more modules you finish, the more scholarship money you could win!

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Earn rewards while building credit.

U.S. Bank Cash+® Secured Visa® Card

Earn cash back while building credit for the future – and you may be able to graduate to a traditional card over time.

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U.S. Bank Cash+® Visa Signature® Card

Already have credit established? You may qualify to earn rewards with the U.S. Bank Cash+® Visa Signature® Card.

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Earning your trust is at the heart of what we do.

Ranked top five for student banking

Ranked #1 mobile app 10

Named one of the World’s Most Ethical Companies® 11

Take charge of your money.

Grow your financial knowledge.

Visit the U.S. Bank Financial IQ Student Center to discover a vast array of resources on topics relevant to you. Be sure to check out the U.S. Bank Student Scholarship Sweepstakes.

Explore Financial IQ

Build credit as a student.

Discover ten do’s and don’ts that can help establish your credit score.

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Frequently asked questions

You can apply at any of these eligible branch locations:

  • Clarksville-Main – 1 Public Sq., Clarksville, TN 37040
  • California State University Fullerton – 800 N. State College Blvd., Fullerton, CA 92831
  • Central Washington University – 400 E. University Way, Ellensburg, WA 98926
  • Grand Junction – 422 White Ave., Grand Junction, CO 81501
  • Omaha Main – 1700 Farnam St., Omaha, NE 68102
  • Eastern Illinois University – 1720 7th St., Charleston, IL 61920
  • Eastern Kentucky University – 521 Lancaster Ave., Richmond, KY 40475
  • Gonzaga University – 702 E. Desmet Ave., Spokane, WA 99202
  • Ames University – 2546 Lincoln Way, Ames, IA 50014
  • Laney Community College – 900 Fallon St., Oakland, CA 94607
  • Morehead – 122 E. Main St., Morehead, KY 40351
  • North Dakota State – 1301 12th Ave. N., Fargo, ND 58102
  • Maryville – 120 S. Main St., Maryville, MO 64468
  • Northwestern University – 1999 South Campus Dr., Evanston, IL 60208
  • Ohio State University Student Union – 1739 N. High St, Columbus OH 43210
  • Oregon State University Advisory Center – 2501 SW. Jefferson Way, Corvallis, OR 97331
  • Portland State University – 1810 SW. 5th Ave., Suite E, Portland, OR 97201
  • Saint Louis University – 20 N. Grand Blvd., St. Louis, MO 63103
  • San Diego State University – 5500 Campanile Dr., San Diego, CA 92182
  • San Francisco State University – 750 Font Blvd., San Francisco, CA 94132
  • Southeast Missouri State University – 388 N. Henderson St., Cape Girardeau, MO 63701
  • University of Central Missouri – 511 S. Holden St., Warrensburg, MO 64093
  • University of Denver – 2050 E. Evans Ave., Denver, CO 80210
  • University of Minnesota West Bank Skyway – 219 19th Ave. S. Ste. 140, Minneapolis, MN 55455
  • University of Minnesota Branch – 718 Washington Ave SE., Minneapolis, MN 55414
  • University of Missouri Columbia – 911 E. Rollins St., Columbia, MO 65201
  • University of Oregon Kiosk – 1395 University St., Eugene, OR 97403
  • University of Oregon – 810 E. 13th Ave., Eugene, OR 97401
  • University of San Diego – 5998 Alcala Park, San Diego, CA 92110
  • Hyland Park Branch – 711 Cleveland Ave S., St. Paul, MN 55116
  • University of Washington Hub – 4001 E. Stevens Way NE., Seattle, WA 98185
  • University of Washington Bookstore – 4326 University Way NE., Seattle, WA 98105
  • University of Wisconsin Eau Claire – 77 Roosevelt Ave., Eau Claire, WI 54701
  • University Square Madison – 389 E. Campus Mall, Madison, WI 53715
  • University of Wisconsin Stevens Point – 1015 Reserve St., Stevens Point, WI 54481
  • Washington State University Pullman – 1500 NE. Terrell Mall, Pullman, WA 99163
  • Western Kentucky University – 1906 College Heights Blvd., Bowling Green, KY 42101
  • Xavier University – 3800 Victory Pkwy., Cincinnati, OH 45201 

If you don’t see your preferred branch in this list, please apply online through this page.

New money means that funds were not transferred from another U.S. Bank product or account, but rather were received from an external source.

You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID.

Youth ages 13 through 17 must apply jointly with an adult and must open the account together in a branch.

Learn more

You can find your routing number through any of the following:

  • The U.S. Bank Mobile App
  • Online banking
  • Your monthly statement
  • Your checkbook
  • Our routing number directory

The easiest way is to open the app and simply ask the U.S. Bank Smart Assistant, “What’s my routing number?”

Find your routing number

Report your card as lost or stolen as soon as possible. You’ll need to contact both your school’s card office and U.S. Bank. Call us at 800-USBANKS (872-2657) or you can call or visit a U.S. Bank branch.

Find a branch near you

Yes. U.S. Bank offers its consumer checking clients an Overdraft Fee Forgiven 5 , 7  program that allows Overdraft Paid Fees to be waived with qualifying deposits.

Learn more

Follow our five-step guide to establish good habits and credit history.

Explore our guide

Use our login assistance tool to help recover your username and password.

Get back into your account

Get answers to other frequently asked questions and learn more about account services, features and benefits on our customer service page.

Visit page
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Disclosures

  1. Members of the military (requires self disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or presence of an eligible personal U.S. Bank credit card; or qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

  2. ATM Transaction Fee.  U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge.  Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs.

    U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  3. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.

  4. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement (PDF) section titled Overdraft Protection Plans for additional information.

  5. In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

  6. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.

  7. For a comprehensive list of account pricing, terms and policies, see the Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosures. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  8. The $5 monthly maintenance fee is waived with the presence of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.

  9. Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

  10. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  11. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

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The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

Deposit products 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.