Bank better, bank faster, Bank Smartly®

With tools to help you track your spending and grow your savings, U.S. Bank Smartly® Checking and Savings makes each step toward your financial goals easier.

CHECKING

Get rewards that grow.

Start earning cash-back rewards, fee discounts, rate bonuses and overdraft fee forgiveness 1 with a U.S. Bank Smartly® Checking account and U.S. Bank Smart Rewards®.

Open an account

SAVINGS

Make your dollars work harder.

With U.S. Bank Smartly® Savings, your rates and benefits increase as your combined qualifying account balances grow with the presence of an additional eligible account. 2 Plus, easy-to-use digital tools help you set goals and stay on track.

Learn more

Championing your teams and the communities they represent

We’re a proud sponsor of your favorite teams because we’re a proud supporter of you. For all of life’s passions, hopes and goals, you’ll have a network of people cheering you on.

Clippers, Padres and 49ers team logos.

Plan and track your money with the U.S. Bank mobile app.

Experience award-winning digital banking.

You deserve the best. Like award-winning digital tools that help you build a better budget, and a mobile app that features America's first Spanish-language voice assistant for banking.

"Best in class” scorecard rating for our mobile app and online banking

U.S. Bank Mobile App rated nearly 5 stars in both major app stores

Let’s achieve something great, together. That’s the power of us.

Book an appointment with one of our financial representatives and get started in under 5 minutes.

Book now

Committed to making lasting impact in your community

U.S. Bank joins FireAid LA in support of California.

Our sponsorship helped the benefit raise over $100 million to aid wildfire recovery and prevention efforts. (Photo credit: Jake West Photo)

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Giving up to $12,500 in down payment assistance

With Access Home Loan, prospective homeowners may qualify for down payment assistance and up to $5,000 in lender credit.

Get the details

Building up small businesses in LA

The Business Access Advisor program assists small business owners in Los Angeles with education and capital.

Learn more

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Disclosures

  1. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.

  2. 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.

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