fdic

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Safe Debit Account1 details

 Monthly maintenance fee

$4.95

(Cannot be waived)

What is a Safe Debit Account?

It’s a check-less checking account, an alternative to traditional checking. Deposits, withdrawals and payments can be made similar to any other U.S. Bank deposit account.

The Safe Debit Account is suitable for those who want a debit card but don’t need to write checks. It is particularly suitable as a joint account with a minor.

Apply as an adult Apply with a minor

Safe Debit Account benefits

Basic banking must-haves

Enjoy a U.S. Bank Visa®Debit Card, mobile and online banking with mobile check deposit,2 bill pay3 and more.

No overdraft fees

With a debit card, you’re less likely to overdraw on your account. But in case you do, there are no overdraft charges.4

Free credit score access5

Take advantage of free access to the TransUnion® CreditView™ Dashboard through mobile and online banking.

  • See your VantageScore® 3.0 credit score and ranking.
  • Use Score Simulator to see an estimated credit score if you take certain credit actions.
  • Find helpful credit education information and resources.

Discounts on money orders

Send money quickly and securely with discounted money orders.

More information

Learn more about additional features and pricing by checking out the following resources:

Open an account online.

It's fast and easy, typically taking only a few minutes.

The Safe Debit account can be opened individually or jointly if you’re 18 years old or over. To open a joint account online, simply select the Joint option when applying. Here’s what you’ll need to open an account online.

Note: Applicants ages 14 through 17 may open a Safe Debit account jointly with an adult. They may do so together online or in person at a branch. Stop by a local branch together or schedule an appointment in advance. Learn more about opening an account for a minor.

Apply as an adult Apply with a minor

Frequently asked questions

Yes. We’re committed to providing several products and services designed to help military members and their families during and after their military career. Although Safe Debit is not eligible, most of our other checking products offer a military maintenance fee waiver. Learn about our military checking benefits or explore all our military banking programs.

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. Learn more about how to open your own first bank account.

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.

A Safe Debit account acts like a checking account without the checks. You can access your money with a debit card or ATM.

It’s often beneficial to have both as part of your financial plan. Learn more about the differences between checking and savings accounts.

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

Ready to get started?

Apply now
Call 800-239-3302
Make an appointment
Start of disclosure content

Disclosures

  1. No checks issued/use of checks is not permitted. Safe Debit Account subject to terms and conditions and fees and charges for select services. Please refer to the U.S. Bank  Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.

  2. Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

  3. Safe Debit Accounts are not eligible for recurring payments or expedited delivery and can only pay billers listed in our system who accept electronic payment.

  4. We will not charge you an Overdraft Paid Fee, but you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive.

  5. Free credit score access, alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to U.S. Bank mobile and online banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. Free credit score access is not available in the U.S. Bank Mobile App. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.

Start of disclosure content

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 and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that 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.