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Ways to waive the monthly maintenance fee

Easy Checking

Have combined monthly direct deposits totaling $1,000+.

Keep an average account balance2 of $1,500.

The account holder(s) is age 65 or older.

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Gold Checking

Have an open U.S. Bank personal loan, line or credit card.3

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Platinum Checking

Have $25,000 in combined personal deposits, credit balances4 with U.S. Bank and/or investments* through U.S. Bancorp Investments.

Have a personal trust relationship with U.S. Bank Wealth Management.

The account holder is a current or former member of the Armed Forces. Learn how U.S. Bank supports those who serve.

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All our checking accounts include:

  • Branches in more than 25 states
  • One of the largest ATM networks in America
  • No surcharges at MoneyPass® Network ATMs5
  • Find a Branch or ATM near you in the app or at locations.usbank.com

Narrow your options

Want help choosing the right account?

No problem. Just answer a few questions to see what account might work for you.

Help me choose

Compare accounts side by side.

Choose the accounts you want to compare and see all of their benefits and features.

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Need more information about bank accounts? We’re happy to help.

What is a checking account?

There are many bank accounts where you could put your money. But which is the best for your situation? Figure it out with a little help from our Money Mentor series.

Learn about bank accounts

Opening a bank account for the first time

You’re ready to open your first bank account! But you have a few questions. Take a scroll through our infographic for the things you’ll need and numbers to know.

Prepare to open your first account

How to practice mindful spending

Whether you’re a financial pro or just starting out in your money journey, mindful spending habits will keep you on the right track – especially in an ever-changing economy.

Get in the money mindset

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Disclosures

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

  2. 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.

  3. Gold Monthly Maintenance Fee waiver – Qualifying accounts include U.S. Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and activated credit cards. U.S. Bank Reserve Line of Credit and student loans are excluded. Mortgage and credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details.

  4. Combined deposit, investment and credit balances – Combined deposit balances include the average monthly collected balances for U.S. Bank personal checking, savings, money market and IRA accounts and CDs. Outstanding credit balances include balances on U.S. Bank personal line of credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and credit cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period with U.S. Bancorp Investments.

  5. If a non-U.S. Bank ATM Transaction fee applies, U.S. Bank will assess a fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Please refer to the Consumer Pricing Information (PDF) disclosure for a summary of ATM Transaction fees. Additionally, Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator.

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

Investment and insurance products and services including annuities are:
Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

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

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