FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Access tools to boost your financial wellness and resources to help you plan for the future.
Easily get your monthly maintenance fees 2 waived with one or more of these:
See how to set up direct deposit in minutes >
You may also qualify if you’re a member of the military or part of a select age group.
Sign up for Smart Rewards® with your Bank Smartly® checking account. Enjoy exclusive benefits and pricing discounts, all designed around the ways you save, spend and borrow for the future.
Ready for more rewards? You automatically move up through this four-tiered program by combining balances from eligible accounts. Or you can automatically qualify for the Premium tier with an open and eligible loan.
Overdrawn $50 or less? Receive $50 overdrawn available balance threshold and overdraft protection that waives the Overdraft Protection Transfer Fee when you link up an eligible account to your checking account. 5
Overdrawn more than $50? Our Overdraft Fee Forgiven 6 program is the backup to your backup plan. Get fees waived when you make a qualifying deposit(s) before 11pm ET on the day you are charged the fee.
Set up account alerts to notify you about low balances so you can avoid overdraft penalty fees.
You’re covered with the standard deposit insurance coverage limit is $250,000 per depositor, per ownership category, per FDIC-insured bank.
You’re protected with the industry’s strongest available encryption.
Zero fraud liability for unauthorized transactions. 7
Set up account alerts to notify you about any unusual activity.
Use the U.S. Bank Mobile App to track your spending categories and set up alerts to help you stay on track.
Get market insights tailored to your needs so you can make informed decisions about spending and investing.
Use our goal planner to help you estimate how much you’ll need for your next passion project, special trip, down payment on a home, or new addition to the family.
Quickly link all your accounts, even ones at other banks, using our mobile app. Then, use our budgeting tool and personalized insights to get a clear picture of your finances.
Best for
Minimum opening deposit
$25
Best for
Earn up to X.XX% APY when you deposit at least $25,000 into a new Elite Money Market Account or an existing account that was opened within the last 30 days.1
Already have a money market account? Log in and select products and offers to view your personalized rates.5
Minimum opening deposit
$100
Best for
Monthly maintenance fee
$0
Minimum opening deposit
$100 or just $25 with an automatic monthly deposit
Mobile banking is easier than ever in our award-winning app with Smart Assistant.™
Easily pay your bills, set notifications or reach a representative. Plus, feel safe knowing that you're always connected to your money and, in case you missed it, it's FDIC insured.
It's easy to use.
Once you log in, tap the mic to talk. U. S. Bank Smart Assistant™ is ready when you are.
For your eyes only
We offer the industry's strongest available encryption and zero fraud liability. 7
Saves time on everyday banking
Smart Assistant helps you skip steps to complete common tasks quickly.
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Ready for Bank Smartly Checking?
Scan the code to make applying even easier using our mobile app.
Bank Smartly® Checking lets you manage your cash flow and gives you access to automated tools to help you spend and save wisely. Get started with an initial deposit of $25.
Apply online in less than 5 minutes.
Add money to your account with an online transfer or at a branch.
Securely switch your direct deposit online in minutes.
