Enroll in U.S. Bank Smart Rewards® when you open a Bank Smartly® Checking account.
No fees for overdrawn balances of $50 or less. Or waive fees with our Overdraft Fee Forgiven program for overdrawn balances over $50.1
Smart Rewards® is our four-tiered program based on the combined balances of all your qualifying accounts. As your balances grow, you automatically move up to the next tier. The higher the tier, the bigger the benefits. Simple.
Open a Bank Smartly® Checking account then enroll in our four-tiered Smart Rewards® program for free. Combine the balances* of these consumer accounts to determine your current rewards tier. As your balances increase, you move up and get greater rewards, automatically.
Monthly Maintenance Fees waived
Non-U.S. Bank ATM owner surcharge fees reimbursed (Domestic only) 7
Non-U.S. Bank ATM owner surcharge fees reimbursed not included in Primary
Non-U.S. Bank ATM owner surcharge fees reimbursed not included in Primary
Non-U.S. Bank ATM owner surcharge reimbursed included in Plus
reimbursed included in Premium
non-U.S. Bank ATM owner surcharge fees reimbursed in Pinnacle
Exclusive cash-back deals across top merchants/categories with an eligible and open U.S. Bank Personal Credit Card 11
Home Equity Line of Credit (HELOC) Annual Fee discount 12
HELOC Annual Fee included in Primary
HELOC Annual Fee included in Primary
HELOC Annual Fee included in Plus
$0 HELOC Annual Fee benefit is included in Premium
Complimentary financial consultation with a Wealth Management professional at usbank.com/advisor or call 888-620-8770
IRA Annual Fee waived 13
Overdraft benefits
included in Primary
included in Primary
included in Plus
included in Pinnacle
Pro tip: You automatically qualify for the Primary tier, regardless of total combined balances, if you have a U.S. Bank home mortgage, home equity loan, home equity line of credit (HELOC) , or unsecured personal loan. This benefit excludes U.S. Bank credit cards, personal unsecured lines of credit, student loans and Simple Loans.
Open an interest-earning16 Bank Smartly® Checking account to enroll in rewards and get exclusive benefits right from the start. Apply in minutes.
It’s the family app that teaches kids financial smarts with goal-setting games, chores that earn cash and a debit account you can monitor. Best part? If you have a Bank Smartly® Checking account or any other eligible U.S. Bank checking account, it’s complimentary. See why kids love Greenlight.
U.S. Bank Smart Rewards® are available exclusively with a Bank Smartly® Checking account. You can choose to enroll while opening your new checking account.
Us, too. Explore these additional ways to grow your money and bank better. Please note that rates vary by term and location. Annual Percentage Yield28 (APY) offers are effective January 13, 2025 for ZIP code 55402. (Edit ZIP code)
Earn 20,000 points worth $200 when you spend $1,000 in the first 90 days.34