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A smarter way to bank

The U.S. Bank Smartly® Checking account offers special benefits to students ages 13 through 24. Apply online in minutes with an opening deposit of $25.

Note: Young Adults ages 18 through 24 may apply individually or jointly. Youth ages 13 through 17 must apply jointly with an adult.

Apply as a young adult Apply as an adult with a youth

Take advantage of Smart Rewards®.

As a youth or young adult, when you open a U.S. Bank Smartly® checking account you’re automatically enrolled in the free U.S. Bank Smart Rewards® program. 

Learn more about Smart Rewards

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. There are multiple ways to waive the $5 monthly maintenance fee. 1

Young Adults ages 18 through 24 may open an account individually or jointly, online or in a branch. Individuals ages 17 and under can open an account with an adult together in a branch.

Apply as a Young Adult
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The verdict is in…. Our app is #1.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. Industry experts ranked us #1 for:

  • Best mobile app2
  • Best digital mortgage tools3
  • Best customer service features4
  • Best mobile check deposit5
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Take charge of your finances.

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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
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Maximize your money’s potential.

Tap into an array of tools, programs and resources that work together to put you – and keep you – on the road to financial wellness.

Bank Smartly with U.S. Bank

Frequently asked questions

There are multiple ways, including through: the U.S. Bank Mobile App, online banking, your monthly statement, your checkbook and 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?”

Learn more about finding your routing number.

A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check. A savings account is meant to help you grow your money or set aside funds for a big purchase.

It’s often beneficial to have both as part of your financial plan. Learn more about the differences between checking and savings accounts.

You can open Bank Smartly Checking and Safe Debit accounts for a minor aged 13 through 17 if it is a joint account with an adult. You may do so together online or in a branch. If the minor is under the age of 13 or if you wish to open any other joint account with a minor, you must do so together in a branch. Make an appointment to meet with a banker.

Learn more about how to open an account for a minor.

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

Take the next step

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

  1. 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.

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

  3. The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

  4. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.

  5. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more. 

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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.

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.