Mobile check deposits
Both ways help you spend and save wisely.
Why you'll love it: You get an interest-earning checking account with access to financial tools and benefits to help you manage your money.
Get overdraft protection tools including a $50 overdrawn Available Balance threshold, overdraft protection1 and our Overdraft Fee Forgiven program.2
Pay $6.95 or $0 monthly maintenance fees. Waive fees in multiple ways.3
Access automated financial tools. Track your spending, set up account alerts and utilize our goal planner to help you build a better budget.
Enroll in Smart Rewards for free and earn extra perks like cash-back deals as your qualified balances grow. Learn more about Smart Rewards®.
Then, add this complimentary Greenlight account4 to make finance fun using goal- setting games, money-earning chores and a debit account you can monitor.
Why you'll love it: You’ll skip the checks but want the tools to help manage your money and build your credit. Plus, debit card.
No overdraft fees.6 In most situations a transaction more than your balance won't go through. If it does, there's no fee.
No surprise fees. Pay a $4.95 monthly maintenance fee with no minimum balance penalty. Fee cannot be waived.
Banking essentials. Directly deposit paychecks, lock a lost debit card and pay bills for free using our award-winning mobile app.
U.S. Bank Safe Debit Account has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2016.
If you're a member of one of these groups, you're eligible for added benefits and rewards.
If you’re 13 through 24 years old, we’ve got special account benefits and features just for you including waived fees and automatic enrollment in the U.S. Bank Smart Rewards® program.
U.S. Bank Global Transition Solutions customer group currently has limited availability through qualifying referral partner programs (e.g. MUFG Bank).
You can apply online for a checking account if you’re 18 years or older and a legal U.S. resident. You’ll need the following information:
Beyond Bank Smartly® Checking and Safe Debit Accounts, you’ve got a slew of savings and investment options to explore.
Opening a joint account with your child is a smart way to teach them financial responsibility. The U.S. Bank Smartly® Checking account offers special benefits for Youth ages 13 through 17.
With our automated setup, enrolling in direct deposit is easy:
Your direct deposit update is seamless, secure and verified in real time.
Find out how to find your routing number and other details about using your checking account.
When you open a U.S. Bank Smartly® Checking account, you earn interest at a variable rate. Interest rates are determined at the bank’s discretion and may change at any time.20 Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. Call (800) 872-2657 to find the nearest branch and schedule an appointment.
Yes, it’s easy and only takes a few minutes. Open a checking account with just $25 for your initial deposit.
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