For ZIP 55402 

Take control of fees.

Open a U.S. Bank Smartly® Checking account and you’ll be auto enrolled in the U.S. Bank Smart Rewards® program.

These are just some of the benefits you’ll enjoy:

  • $0 monthly maintenance fees: There are multiple ways to get them waived1
  • $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 account4
  • $0 overdraft fees when overdrawn $50 or less5
  • Overdraft Fee Forgiven6 program
  • A campus banking program at participating colleges and universities

No need to write checks?

Consider a Safe Debit Account, a “checkless” no overdraft fee option that is not part of the U.S. Bank Smart Rewards program. Open an account in minutes with a minimum balance of $25 and you’ll enjoy these and other benefits:

  • The U.S. Bank Visa® Debit Card
  • No overdraft fees
  • $0 ATM transaction fees at U.S. Bank ATMs. Non-U.S. Bank ATM transaction fees apply2,3
  • 24/7 customer service
  • The U.S. Bank Mobile App

Note: The $4.95 monthly maintenance fee cannot be waived.

It’s never too early to start saving.

Get your financial journey off to a good start with U.S. Bank Smartly® Savings. Open an account with a $25 minimum opening deposit, then enjoy benefits that include:

  • Competitive interest rates across all balance levels 7
  • Access to higher rates when Bank Smartly® Savings is paired with U.S. Bank Smartly® Checking
  • Automated saving and digital budgeting tools

The $5 monthly maintenance fee can be waived8 if the account holder: 

  • Is age 17 or younger
  • Has a Bank Smartly® Checking or Safe Debit account
illustration of a student working on a laptop
Mobile app headings

Take control of your financial wellness.

Download the U.S. Bank Mobile App and start exploring the Bank Smartly® program. Our vast array of tools, programs and resources work together to put you - and keep you - on the road to financial wellness.

The verdict is in…. Our app is #1.

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

  • Best mobile app9
  • Best digital mortgage tools 10
  • Best customer service features11
  • Best mobile check deposit12
Logo of the Apple App Store   Takes you to Google Play Store.
Three U.S. Bank debit card images featuring various lifestyle images.

Let your personality shine.

Be part of the solution to the plastic waste problem with an eco-friendly U.S. Bank Visa® Debit Card. Or show your pride through a school or professional football team-affiliated card. Choose from a wide variety of designer options.

Take the next step

Get the app
Enroll in mobile & online banking
Find a branch
Make an appointment
Start of disclosure content

Disclosures

  1. Footnote 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.

    Return to content, Footnote 1
  2. Footnote 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 call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

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

    Return to content, Footnote 2
  3. Footnote 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.

    Return to content, Footnote 3
  4. Footnote 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.

    Return to content, Footnote 4
  5. Footnote 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.

    Return to content, Footnote 5
  6. Footnote 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.

    Return to content, Footnote 6
  7. Footnote 7

    Variable rate account –The interest rates and annual percentage yields (APYs) are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information.

    Return to content, Footnote 7
  8. Footnote 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.

    Return to content, Footnote 8
  9. Footnote 9

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

    Return to content, Footnote 9
  10. Footnote 10

    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.

    Return to content, Footnote 10
  11. Footnote 11

    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.

    Return to content, Footnote 11
  12. Footnote 12

    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. 

    Return to content, Footnote 12

Deposit products are 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.

Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# 0E24641.

For U.S. Bank:

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

By clicking Apply, 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.