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  1. With several personal checking accounts to choose from, U.S. Bank has options for everyone. Open a checking account online today with our easy-to-use application. Looking for a checking account that fits your individual needs?

    • Savings

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

    • Bank Smartly Checking

      You can apply for an individual bank account if you’re 18...

    • Military Banking

      When you open a checking account with us, select a card with...

    • Debit Cards

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

    • Check Routing Number

      The easiest way is to open the app and select U.S. Bank...

  2. Manage your cash flow, move money safely, and save and spend wisely with the U.S. Bank Mobile App. See why more than a million users have given our app five stars. Get started by opening any U.S. Bank account today. Apply for a Bank Smartly ® Checking account via the app in five minutes or less.

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  4. Select the Menu icon located in the upper left corner, then select Shop cards, loans & more . Select Checking accounts or Savings Accounts . From here you can compare account types and learn more details. Once you've decided on the product you'd like to apply for, select Apply now to begin the application process.

  5. Navigate to usbank.com, select Personal at the top and choose Bank accounts. Select Bank Smartly Checking Account. Then choose Open an account. OR. Select Savings accounts. Then choose Start saving to begin the application process. Review our Checking Accounts or Savings Accounts pages to find the one that's right for you.

    • Choose the checking account. Fees, features and ways to access your money can vary by checking account. Whether you open an account with an online-only bank or with a brick-and-mortar bank via its digital platform, compare costs and features ahead of time.
    • Gather your personal information. You’ll generally need some documentation to open a checking account online, and for joint accounts, you’ll need the second person’s information too.
    • Fill out and submit the application. Applying to a new bank requires you to provide personal information. Using a secure internet connection, provide the details asked for on the application, which can include
    • Fund your account. Banks typically require a minimum opening deposit, such as $25 or $100, though some banks have no minimum. A minimum opening deposit isn't the same thing as a minimum balance requirement, which is usually the amount you need to keep in a bank account to avoid a monthly fee, if applicable.
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