We appreciate your business and want the application process to be a good experience for you. If you’re already a customer, we can prefill your application with the personal information we have on file.

To apply for a checking or savings account using online banking

1. Select Products & offers from the top of the page.
2. Choose Checking.
   1. Select checking once more.
      Optional: If you scroll and select Learn more, you’ll find:
      • Access Smart Rewards – Information on our rewards program.
      • Manage cash easily – Ways to keep track of your money.
      • Move money safely – Digital money transfers, deposits, and payments.
      • Save & spend wisely – Financial insights and goal setting.
      • Rest Easy. We got you covered – Security and zero fraud liability.
      • Debit card designs – View the latest designs available to personalize your card.
   2. When ready, select Open an account. Continue following the prompts on the page to submit your application.
3. Choose Savings. When ready, select Start saving. Continue following the prompts on the page to submit the application.
   Optional: If you scroll through the page, you’ll find more information about our savings products.

To apply for a checking or savings account using the U.S. Bank Mobile App

1. Open the main menu and choose Explore accounts & offers. 
2. Select Checking, Standard savings, or Elite Money Market Account. Then choose Open an account/Start saving. Continue following the prompts on the page to submit the application.
   Optional: Scroll down to view more information about each financial product.

More information

If you don’t have an account with us or want to apply without logging in, follow these steps:

1. Navigate to usbank.com, select Personal at the top and choose Bank accounts.
2. Select Bank Smartly Checking Account. Then choose Open an account.
   OR
3. Select Savings accounts. Then choose Start saving to begin the application process.

Review our Checking Accounts or Savings Accounts pages to find the one that's right for you.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.