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.
Campus Banking
Bank Smarter® with U.S. Bank Campus Banking.
Take the stress out of organizing your money so you can focus on what matters most.
Check out the list below to see if your school participates.
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.
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.
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.
U.S. Bank Financial IQ
Take your financial IQ to the next level with helpful articles, tips and resources.
U.S. Bank Student Scholarship
Enter for a chance to participate in an annual scholarship and access free financial education training.
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.
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.
Ranked #1 mobile app 1
Keynova Group in its 2022 Mobile Banker Scorecard.
World’s Most Ethical Companies 2
U.S. Bank has been named one of the World’s Most Ethical Companies by the Ethisphere Institute.
Set yourself up for success.
These bank accounts can help set your financial journey off to a good start.
Say hello to Smart Rewards®.
Open a U.S. Bank Smartly® Checking account to be automatically enrolled in the free U.S. Bank Smart Rewards program. You'll enjoy the benefits awarded to all Youth and Young adults ages 13 through 24.
Save for the future with Bank Smartly® Savings
You can start small. Open a Bank Smartly Savings account in minutes with a minimum $25 opening deposit.
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 in a branch.
Build credit 3 with the U.S. Bank Altitude® Go Secured Visa® Card.
Work towards establishing your credit 3 with the U.S. Bank Altitude® Go Secured Visa® Card. 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. 4
Are you a campus administrator?
Learn more about our campus banking program and how to give your employees and students a solid financial foundation.
Frequently asked questions
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?"
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.
Yes. U.S. Bank offers its consumer checking clients an Overdraft Fee Forgiven 5 program that allows Overdraft Paid Fees to be waived with qualifying deposits.
Follow our five-step guide to establish good habits and credit history.
Use our login assistance tool to help recover your username and password.
Get answers to other frequently asked questions and learn more about account services, features and benefits on our customer service page.
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