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What is Campus Banking?

Campus Banking is a program designed to give students a head start on their financial journey. If your college participates, you’ll receive special rewards and benefits. Combine our campus banking program with the best digital tools and you’ll have all you need to succeed.

Get $100 with campus banking.

Open a checking account from this page and complete the following steps within 90 days of account opening — it's that easy. Offer ends October 30, 2025. 1

Here’s how to earn your bonus.

 

  • Make at least $1,000 in total new deposits; and
  • Complete 10+ debit card transactions totaling $100 or more; and
  • Enroll in online or mobile banking.
Apply as a Young Adult Apply as an Adult with a Youth

Note: Use the Apply button above and we’ll apply the promotional offer to your application for you. If you apply for your checking account from a different page, you won’t be able to get the offer. 

Young Adults ages 18 through 24 may open an individual or joint account online or in a branch. Those ages 17 and under may open an account with an adult together online or in a branch. There are multiple ways to waive the $12 Monthly Maintenance Fee by completing certain account activities 2. Account holders 24 and under pay no Monthly Maintenance Fee.

Enjoy the benefits

As a student at a participating school, these are some of the benefits that may be available to you depending on your school’s program:  

A campus card that combines your student ID with your U.S. Bank debit card

A U.S. Bank Visa® Affinity Debit Card branded with your university imagery

On-campus or near-campus branches and customer advisory centers

Resources to support your financial journey

Enjoy these additional benefits regardless of whether your school participates.

View transcript

U.S. Bank Goals Coaching

You’ve got goals. We’ve got personalized tools, resources and practical strategies to help you achieve them. Our goals coaches are available when you are to put your plan in motion.

Meet your coach

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U.S. Bank Financial IQ

Take your financial IQ to the next level with helpful articles, tips and resources.

Learn more

U.S. Bank Student Scholarship

Enter for a chance to participate in an annual scholarship and access free financial education training.

Register now

U.S. Bank Overdraft Fee Forgiven

U.S. Bank Smartly® Checking Account customers may qualify for an Overdraft Paid Fee waiver with a qualifying deposit.

Learn more

Earning your trust is at the heart of all we do.

Ranked top five for student banking

U.S. Bank received the 2023-2024 Money Best Banks for Students award in August 2023.

Read the story

Ranked #1 mobile app 3

Keynova Group in its 2024 Mobile Banker Scorecard.

World’s Most Ethical Companies 4

U.S. Bank has been named one of the World’s Most Ethical Companies by the Ethisphere Institute.

Set yourself up for success with Bank Smartly®.

These bank accounts can help set your financial journey off to a good start.

Build a strong foundation.

Get more from your money with a U.S. Bank Smartly® Checking account. From your first deposit, enjoy more control, insights, and support as you build your future. Opening an account with a minimum deposit of $25 unlocks a world of banking value on day one, with helpful digital tools, personalized financial guidance, and benefits built to grow with you.

Apply as a Young Adult Apply as a Youth with an Adult

Save for the future with Bank Smartly® Savings

Save and earn more with competitive rates from your first deposit when you open a U.S. Bank® Smartly Savings account. Set goals, grow your money, and get a complete view of your savings. The minimum opening deposit is only $25.

Apply as a Young Adult Find a branch

U.S. Bank Altitude Go Visa Card

Build credit 5 with the U.S. Bank Altitude® Go Secured Visa® Card.

Work towards establishing your credit 5 with the U.S. Bank Altitude® Go Secured Visa® Card, which can help you build your credit over time. To get started, you’ll make a refundable security deposit from $300 to $5,000, which sets your credit limit. Spend within your limit and pay your bill when it’s due. Over time, this can help build your credit and may allow you to graduate to a traditional card.

Plus, you’ll earn 4X points on dining, take out and restaurant delivery. 6

Learn more

CHECKING + SAVINGS

Boost your money-making potential.

Open a Bank Smartly® Savings and Bank Smartly® Checking account together to:

Earn faster. Unlock higher savings rates. 7

Minimize fees. Waive your Bank Smartly® Savings $5 Monthly Maintenance Fee. 8

Save time. Apply for both in under 5 minutes.

Open checking and savings as a Young Adult

Young men and women using a laptop

Are you a campus administrator?

Learn more about our campus banking program and how to give your employees and students a solid financial foundation.

Visit the frequently asked questions resource

Frequently asked questions

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.

Learn more

There are multiple places, including: 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?"

Find your routing number

Report your card as lost or stolen as soon as possible. You’ll need to contact both your school’s card office and U.S. Bank. Call us at 800-USBANKS (872-2657) or you can call or visit a U.S. Bank branch.

Find a branch near you

Yes. U.S. Bank offers its consumer checking clients an Overdraft Fee Forgiven 9 program that allows Overdraft Paid Fees to be waived with qualifying deposits.

Learn more

Follow our five-step guide to establish good habits and credit history.

Explore our guide

Use our login assistance tool to help recover your username and password.

Get back into your account

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

Search customer service

Find your school.

Check out the list below to see if your school participates.

Take the next step

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

  1. Keynova Group semiannual Mobile Banker Scorecard, March 2024.

  2. 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.

  3. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

  4. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

  5. Late payments and going over the credit limit may damage your credit history.

  6. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 spent in Net Purchases. Net Purchases are Purchases minus credits and returns. In addition, you will earn 4 Points (1 base and 3 bonus Points) for every $1 spent on your first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases. You will earn 2 Points (1 base and 1 bonus Point) for every $1 spent on purchases in the following categories: grocery store and supermarket (wholesale clubs and discount stores/supercenters such as Target and Walmart will earn only 1 Point); gas station and electric vehicle charging station (wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will earn only 1 Point) and qualifying streaming subscription services. Refer to Program Rules for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

  7. The interest rates and Annual Percentage Yields (APYs) for the Bank Smartly® Savings account are variable, determined at the bank's discretion, and can change at any time.

  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.

  9. U.S. Bank consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s) waived with qualifying deposits. The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account for a fee waiver at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s).  If your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is $0 or more we will waive Overdraft Paid Fee(s) charged.

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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.

Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF) for details.

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.

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.