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What is Campus Banking?

Campus Banking is a program designed to give students a head start on their financial journey. If your college participates, you’ll receive special rewards and benefits. Combine our campus banking program with the best digital tools and you’ll have all you need to succeed.

Enjoy the benefits

As a student at a participating school, these are some of the benefits that may be available to you depending on your school’s program:

A campus card that combines your student ID with your U.S. Bank debit card

A U.S. Bank Visa® Affinity Debit card branded with your university imagery

On-campus or near-campus branches and customer advisory centers

Resources to support your financial journey

Enjoy these additional benefits regardless of whether your school participates.

U.S. Bank Goals Coaching

You’ve got goals. We’ve got personalized tools, resources and practical strategies to help you achieve them. Our goals coaches are available when you are to put your plan in motion.

Image of student looking at computer screen

U.S. Bank Financial IQ

Take your financial IQ to the next level with helpful articles, tips and resources.

two female graduates standing together

U.S. Bank Student Scholarship

Enter for a chance to participate in an annual scholarship and access free financial education training.

Banker meeting with a female client

U.S. Bank Overdraft Fee Forgiven

U.S. Bank Smartly® Checking Account customers may qualify for an Overdraft Paid Fee waiver with a qualifying deposit.

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

Logo for Money Magazine award for BEST BANKS FOR STUDENTS for 2023 to 2024

Ranked top five for student banking

U.S. Bank received the 2023-2024 Money Best Banks for Students award in August 2023.

Illustration of hand holding phone

Ranked #1 mobile app 1

Keynova Group in its 2022 Mobile Banker Scorecard.

Ethisphere logo

World’s Most Ethical Companies 2

U.S. Bank has been named one of the World’s Most Ethical Companies by the Ethisphere Institute.

Set yourself up for success.

These bank accounts can help set your financial journey off to a good start.

Say hello to Smart Rewards®.

Open a U.S. Bank Smartly® Checking account to be automatically enrolled in the free U.S. Bank Smart Rewards program. You'll enjoy the benefits awarded to all Youth and Young adults ages 13 through 24.

Save for the future with Bank Smartly® Savings

You can start small. Open a Bank Smartly Savings account in minutes with a minimum $25 opening deposit. 

Young Adults ages 18 through 24 may open an individual or joint account online or in a branch. Those ages 17 and under may open an account with an adult together in a branch.

U.S. Bank Altitude Go Visa Card

Build credit 3 with the U.S. Bank Altitude® Go Secured Visa® Card.

Work towards establishing your credit 3 with the U.S. Bank Altitude® Go Secured Visa® Card. To get started, you’ll make a refundable security deposit from $300 to $5,000, which sets your credit limit. Spend within your limit and pay your bill when it’s due. Over time, this can help build your credit and may allow you to graduate to a traditional card. Plus, you’ll earn 4X points on dining, take out and restaurant delivery. 4

Are you a campus administrator?

Learn more about our campus banking program and how to give your employees and students a solid financial foundation.

Frequently asked questions

Find your school.

Check out the list below to see if your school participates.

Take the next step

Get the app
Enroll in mobile & online banking
Find a branch
Make an appointment
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Disclosures

  1. Footnote 1

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

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  2. Footnote 2

    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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  3. Footnote 3

    Late payments and going over the credit limit may damage your credit history.

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  4. Footnote 4

    U.S. Bank Altitude Go Visa Secured Cardmembers will earn 1 Point for every $1 in Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 3 Bonus Points (4 Points total) for every $1 on restaurant, fast-food restaurant and bar purchases. IMPORTANT CHANGE: Effective April 14, 2025, you will earn 3 Bonus Points (4 Points total) for every $1 on your first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases. You will earn 1 Bonus Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging station (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. IMPORTANT CHANGE: Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected.

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  5. Footnote 5

    U.S. Bank consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s) waived with qualifying deposits. The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account for a fee waiver at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s).  If your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is $0 or more we will waive Overdraft Paid Fee(s) charged.

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U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF) for details.

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.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.