Bank accounts

You can open a bank account online or in person in a branch if you’re 18 years or older and a legal U.S. resident. You’ll need the following information:

• Your Social Security number
• A valid, government-issued photo ID like a driver’s license, passport or state or military ID.
• A minimum opening deposit to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.

Review our Checking accounts or Savings accounts pages to find the one that's right for you and minimum opening deposit details.

U.S. Bank accounts offer many tools, programs and resources that work together to help you manage your financial wellness:

• Manage your cash flow with detailed spending and budgeting tools and insights.
• Move money safely with direct deposit, mobile check deposit, bill pay and transfers between your accounts – including those with other banks.
• Save and spend smarter with digital tools like automated savings, goal trackers and more.
  
  

Online banking includes several features to keep your bank accounts secure. Our industry-leading encryption and security features are always on to protect you and your information.

• Digital security guarantee:
  You aren’t liable for any unauthorized transactions made with the mobile app or online banking.¹
• Security center:
  Boost the security of your accounts in minutes by easily enabling security features.
• Data privacy:
  Share your financial information only with those you choose.
• Automatic security alerts:
  There’s no need to sign up for alerts that inform you of important activity such as requests to change your password.²
  

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.

To open a joint bank account online, you’ll need your teen co-applicant’s Social Security number, income (if any) and a few other details.

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.

You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID.

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.

With our automated setup, you can set up direct deposit in minutes.

1. Search for your employer or payroll provider.
2. Log in with your existing account.
3. Start depositing your paychecks.

Your direct deposit update is seamless, secure and verified in real time.