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.
Get monthly maintenance fee waived
$6.95 or $0. Monthly maintenance fee can be waived for customers who meet certain criteria, including monthly direct deposit totals or minimum account balance requirements.
If you're a member of the military or meet age requirements, you'll pay $0 monthly maintenance fees. 1
Tap into our network to avoid ATM fees
No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs. (Select Show MoneyPass® ATM Network locations in the ATM locator to find locations.)4
Your combined qualifying balances earn you special benefits when you enroll in the Smart Rewards™ program. See your benefits grow as you move up each rewards tier.
Tap into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness.
A Bank Smartly Checking account helps you get the most out of your money by paying you interest on your balance.8
Your money and data are protected with:
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.
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 big purchase. It’s often beneficial to have both as part of your financial plan.
Yes. U.S. Bank offers its consumer checking customers an Overdraft Fee Forgiven3 program that allows Overdraft Paid Fees to be waived with qualifying deposits.
Get answers to other frequently asked questions and learn about account services, features and benefits on our Checking customer resources page.