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KIDS CHECKING ACCCOUNT

Jumpstart your teen’s financial education.

Open a U.S. Bank Smartly® Checking account with your 13-to-17-year-old child and get access to tools and resources that can help them learn independence and how to manage money smartly. You’ll enjoy these added benefits:

  • $0 Monthly Maintenance Fee1
  • Waiver of the first four non-U.S. Bank ATM transaction fees per statement period2, 3
  • Automatic enrollment in the free U.S. Bank Smart Rewards program

Find out what you'll need.

Apply now

CHILD SAVINGS ACCOUNT

It’s never too early to start saving.

Teach your child the value of saving with a U.S. Bank Smartly® Savings account. Visit a branch with your child of any age to open an account together. You’ll enjoy these benefits:

  • Opening deposit on only $25
  • Competitive interest rates across all balance levels4
  • Automated saving and digital budgeting tools

Find out what you'll need.

Make an appointment

Reap the benefits of opening both accounts.

Open both a Bank Smartly® Checking account and a Bank Smartly® Savings account with your child to:

  • Unlock higher interest rates on your savings account.
  • Get a waiver of the $5 monthly maintenance fee on the Bank Smartly® Savings account5, 6

DEBIT CARD OPTION FOR KID’S CHECKING ACCOUNT

Make learning fun with Greenlight.

Open a U.S. Bank checking account – with or without your child – and enjoy a complimentary family Greenlight account.7

  • Give your child a safe way to pay for things with a debit card you manage.
  • Easily transfer funds from your checking account to your child’s debit card.
  • Enjoy fun, interactive goal-setting games and videos.
  • Set flexible controls and get real time notifications.
  • Help them learn financial basics so they can earn, save and spend wisely.

Find out how to open a Greenlight account.

See why kids love Greenlight

How to open a bank account for a minor

You can open a checking account with your child online or in a branch, typically in five minutes or less. Your child must be at least 13 years old.

  • If you open it in a branch, you and the child must both be present.
  • Both you and the minor must provide a valid primary ID, such as a state ID Card, driver’s license or passport. It must have a photo and cannot be altered or expired.
  • You may both be asked to provide a secondary form of ID, such as a student ID or a major credit card.
  • You must provide proof of address, such as a utility bill or financial statement.
Learn about U.S. Bank Smartly® Checking

To open a savings account with a minor of any age, you must go to a branch together.

  • Only one parent needs to be present.
  • You and the child must both provide a valid primary ID, such as a state ID card, driver’s license, or passport. It must have a photo and cannot be altered or expired.
Learn about U.S. Bank Smartly® Savings

Get complimentary7 access with an eligible U.S. Bank checking account. The checking account can be new or existing and can be a joint or individual account. Enroll up to five kids via the U.S. Bank Mobile App or online banking.

Learn about Greenlight

Grow your financial knowledge.

Our Financial IQ provides an abundance of information on topics relevant to you and your teen.

Tackling the high cost of childcare

Learn strategies on how to ease the expense and stress of childcare.

Get eight great ideas

Tips for opening a kids bank account

Jumpstart your kids on the road to financial success.

Get five tips

Money management for kids

Allowance is the first lesson in money management.

Read about allowance 101

Frequently asked questions

You may open a checking account with a minor online or in a branch. Savings accounts with a minor can only be opened in a branch.

Your child must be at least 13 years old for a checking account. There are no age requirements for savings accounts.

They are for kids and teens up to 17 years of age and their families. It’s complimentary for all our clients who hold an eligible U.S. Bank checking account.

Yes, there are no age requirements. Set up an appointment with a banker.

You have lots of options, including:

  • Flexible controls over how much your kids can spend and where (including ATM withdrawal limits)
  • Full visibility to your kids’ transaction histories
  • Real-time alerts whenever your kids make a purchase
  • The ability to turn off (or “freeze”) a card when needed
  • The ability to block spending categories.

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

Take the next step

Get the app
Enroll in mobile & online banking
Find a branch
Make an appointment
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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. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

    Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  3. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.

  4. Variable rate account – Interest rates are determined at the bank’s discretion and may change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

  5. 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.

  6. Account may be assessed the Monthly Maintenance Fee when the account holder reaches 18 years of age. Account holder(s) age 13–17 will receive the monthly maintenance fee waiver under the Youth customer group. In the event the account holder is not currently a signer on the account the account holder must visit a branch with the custodian/guardian on the account to gain authority to access account funds.

  7. U.S. Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) is added as a funding source. You are required to be an authorized transactor on the U.S. Bank account, be at least 18 years of age, and be enrolled in online banking. Your U.S. Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your U.S. Bank checking account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible U.S. Bank checking account, you may be charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See greenlight.com/terms for additional information. Offer subject to change.

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Deposit products are 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.

Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

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.