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      • Open an account online. It’s fast and easy, typically taking only a few minutes. Plus, we use the strongest available encryption to keep your information safe. All our accounts can be opened jointly. Simply select the Joint option when applying.
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  2. Compare U.S. Bank checking accounts to find which one is right for you. Get ATM access, pay bills, bank online and more. Apply in minutes.

    • Checkless Checking

      A Safe Debit Account 1 allows you to deposit money into your...

    • Business Checking

      To open a business checking account, you’ll need: Your...

    • Dear Money Mentor

      They often offer perks like debit cards and mobile check...

    • First Bank Account

      Take control of fees. Open a U.S. Bank Smartly ® Checking...

    • Savings

      Apply: Open a Standard Savings Account or an Elite Money...

    • Bank Smartly Checking

      Secure. Bank better with a U.S. Bank Smartly ® Checking...

    • Military Banking

      About us Personal. Return to Main Menu ... With a VA home...

    • Debit Cards

      Open a U.S. Bank checking account and then do any one of the...

    • Check Routing Number

      There are two ways to find your routing number in the U.S....

    • Log In

      Contact Us. User Name and Passwords If you are an existing...

    • 9 min
    • Choose the account. Consider the type of account. Before you start the application, you have two key decisions to make: What type of bank account do you want?
    • Gather personal documents and information. Here's the documentation you'll need to open a bank account online. You'll also need this information for anyone who will be a joint account owner.
    • Fill out the application. To open a bank account online, you’ll need to provide some information about yourself. Using a secure home internet connection or another trustworthy network, fill out the application with your personal details, which will likely include
    • Fund your new account. When you open an account online, you’ll need to make an initial deposit, or add money to the account. This step usually involves making a transfer from an existing account, but other options may include mailing a check or money order.
    • Chime Spending Account. 4.5. NerdWallet rating. Monthly Fee $0 APY. N/A. Bonus. Learn more. at Chime, Deposits are FDIC Insured. Why we like it. Chime is a mobile-only financial service that has no overdraft fees, plus a feature that lets certain customers overdraw as much as negative $200 without a fee.
    • Capital One 360 Checking. 4.5. NerdWallet rating. Monthly Fee $0 APY. 0.10% With $0 minimum balance. Bonus. $150. Requirements to qualify. Learn more. at Capital One, Member FDIC.
    • Radius Rewards Checking. 5.0. NerdWallet rating. Monthly Fee $0 APY. 0.10% With $2,500 minimum balance. Bonus. N/A. Learn more. at Radius, Member FDIC. Why we like it.
    • Discover Bank Cashback Debit. 5.0. NerdWallet rating. Monthly Fee $0 APY. N/A. Bonus. Learn more. at Discover Bank, Member FDIC. Why we like it. Discover Bank’s checking account lets you earn cash back on certain purchases, and you’ll also have access to 60,000 free ATMs.
  3. Oct 13, 2023 · The U.S. Bank Smartly Checking account has a low $6.95 monthly maintenance fee that’s easy to waive when you meet any of the following requirements: Average account balance of $1,500 or more. An open U.S. Bank consumer credit card. Total monthly direct deposits of at least $1,000. Age 65 or older or 24 or younger. Veteran or active-duty military.

  4. You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S. Bank representative at 800-398-0371 to ensure you have everything you need to open a checking account or other bank account.

  5. May 5, 2020 · 1. Determine Which Bank Account You Want To Open. The U.S. Bank account you want to open depends on your current banking needs. Are you looking for a bill-pay account to use for rent, utilities and other monthly expenses? Or do you need a secure place to grow that new car fund?

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