How to switch bank accounts

A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check.

A savings account is meant to help you grow your money or set aside funds for a specific goal, such as a large purchase or an emergency fund. All U.S. Bank savings accounts accrue interest.

A money market account is a cross between a checking and a savings account. It offers the debit card and check-writing features of a checking account with the interest-bearing nature of a savings account only with higher interest rates¹.

A certificate of deposit (CD) account offers a higher interest rate than a traditional savings account, but you must leave your money untouched for an agreed upon time. This time period is known as the term length. If you withdraw your funds before the term is done, you usually need to pay an early withdrawal penalty.

Find the personal information you’ll need to open a U.S. Bank checking account online or in person.

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.

Discover the general requirements and personal information you’ll need.

Set up direct deposit in three simple steps – our automated setup is fast, secure and gives you access to your money the same day.

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?”

There are multiple ways, including through: The U.S. Bank Mobile App, online banking, by phone or a branch.

Take control of your money with the U.S. Bank Mobile App and online banking.

Learn more about account services, features and benefits on our Customer services page.