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You can apply online for a U.S. Bank Smartly® 1 Checking or Safe Debit2 account 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 of $25 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.

Checking account resources

U.S. Bank Smartly® Checking account Safe Debit account Business checking How do I pick a savings or checking account?

Our featured accounts:

U.S. Bank Smartly® Checking account

An interest-bearing checking account that’s eligible for Smart Rewards®

Monthly maintenance fee

$6.95 or $0

There are multiple ways to get the monthly maintenance fee waived.1

Apply now Learn more

Safe Debit account2

A bank account minus the checks with no overdraft fees

Monthly maintenance fee

$4.95

Monthly maintenance fee can’t be waived

Apply now Learn more

Want to open a checking account in person?

You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S. Bank representative at 800-398-0371 to ensure you have everything you need to open a checking account or other bank account.

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Disclosures

  1. 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.

  2. Safe Debit Account is subject to certain account limitations and eligibility requirements, including the use of bill pay and Mobile Check Deposit. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions (PDF) and Safe Debit Account Pricing and Information (PDF) guide for details. Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

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Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

By clicking Apply, 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.