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- Yes, it’s easy and only takes a few minutes. Open a checking account with just $25 for your initial deposit.
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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...
- Personal Banking Options
Open an account online. It’s fast and easy, typically taking...
- First Bank Account
Open an account in minutes with a minimum balance of $25 and...
- 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
All regular account opening procedures apply. $25 minimum...
- Check Routing Number
The easiest way is to open the app and select U.S. Bank...
- Log In
Contact Us. User Name and Passwords If you are an existing...
- Checkless Checking
- U.S. Bank Checking Account Options
- U.S. Bank Checking Key Features and Benefits
- U.S. Bank Checking Fees and Charges
- U.S. Bank Checking Digital Banking Experience
- U.S. Bank Additional Banking Services
- Opening A U.S. Bank Checking Account
- U.S. Bank Customer Service
- Compare U.S. Bank Checking Accounts
You might prefer U.S. Bank Smartly® Checkingif you want access to paper checks or would like a checking account that makes it possible to waive monthly service fees and overdraft fees. U.S. Bank Smartly® Checking automatically waives the monthly service fee if you're a member of the military, under the age of 24, or over the age of 65. You can also waive the monthly service fee if you meet certain requirements each month. U.S. Bank Smartly® Checking notably has several ways to avoid overdraft...
The U.S. Bank Safe Debit account might be a decent option if you prioritize avoiding overdraft feesand don't need paper checks. However, there's a $4.95 monthly service fee that can't be waived.
National Branch and ATM Presence
U.S. Bank has a robust national presence, with over 2,200 branches in 26 states and 4,500 ATMs throughout the U.S. It repeatedly makes our list of the best banks, as the best national bank in the Midwest and West Coast.
Low Minimum Opening Deposits
U.S. Bank checking accounts have a $25 minimum opening deposit. This is a low minimum opening deposit compared to other financial institutions. You might see banks that require $100 or more to open a checking account.
Multiple Methods of Overdraft Protection
U.S. Bank has multiple ways to waive overdraft fees. Firstly, you could open the U.S. Bank Safe Debit accountand avoid overdraft fees entirely. This account doesn't let you overdraw from your checking balance. If you make a debit card purchase or ATM withdrawal that would result in a negative checking balance, your transaction is declined. U.S. Bank Smartly® Checkingalso has several overdraft protection programs. For example, you could link your checking account to another bank account. If yo...
Monthly Maintenance Fees
U.S. Bank does not have a free checking account. Both U.S. Bank Smartly® Checking and the U.S. Bank Safe Debit accounthave monthly service fees. The U.S. Bank Safe Debit account monthly service fee is slightly lower than U.S. Bank Smartly® Checking. However, you can't waive monthly service fees on the U.S. Bank Safe Debit account. U.S. Bank Smartly® Checkingoffers several ways to waive monthly service fees, so in many situations, it's a better option overall.
Overdraft Fees
U.S. Bank charges a $36 overdraft fee, but there are ways to avoid this fee. If you get the U.S. Bank Safe Debit account, you won't have to worry about overdraft fees at all. This bank account declines transactions that would result in overdrafts. If you get U.S. Bank Smartly® Checking, there are also multiple ways to waive overdraft fees.
ATM Fees
If you use an in-network ATM, there aren't any fees. If you use an out-of-network ATM, U.S. Bank charges a $2.50 fee for each transaction. The national bank offers out-of-network ATM fee waivers for U.S. Bank Smartly® Checkingif you are part of select age groups or reach Primary, Plus, Premium, or Pinnacle status in the U.S. Bank Smart Rewards Program.
U.S. Bank's digital banking experience has lackluster customer satisfaction ratings. According to two 2023 J.D. Power studies, U.S. Bank was ranked below the study average for both online banking and mobile banking. That said, the bank's mobile app has overall good ratings in the Apple and Google Play store. It's received 4.7 out of 5 stars in the ...
Similar to other brick-and-mortar banks, one of U.S. Bank strengths is that it has a variety of banking services and products. You can choose to do all your banking with U.S. Bank and open a checking account, savings account, money market, and/ or CD. U.S. Bank has business bank accounts, too, including three business checking accounts. If you're i...
You can open a U.S. Bank checking account online or at a branch. You must provide your Social Security number and U.S. government-issued ID, like a driver's license or passport. You may use a Mexican Matricula Consular as a primary ID, but if you use an alternative form of ID, you must open a bank account at a branch. You will need at least $25 to ...
U.S. Bank has 24/7 customer supportfor general banking by phone. You can also visit a nearby branch and schedule an appointment online. Hours vary by location, but generally, you'll find lobbies open from 9 a.m. to 5 p.m. on weekdays in your respective time zone.
U.S. Bank Checking Accounts vs. Chase Checking Accounts
There are various Chase checking accounts, including checking accounts specifically suited for teens and college students. Meanwhile, U.S. Bank only has two checking accounts options, but the fees can be waived if you meet certain age requirements. If you compare Chase Total Checking with U.S. Bank Smartly® Checking, minute differences between these accounts may help determine which one is a better option for you. Chase Total Checking has a $12 monthly service fee, while U.S. Bank Smartly® Ch...
U.S. Bank Checking Accounts vs. Wells Fargo Checking Accounts
There are four Wells Fargo checking accounts, including a checkless bank account similar to the U.S. Bank Safe Debit account. When looking at each bank's standard checking account options — U.S. Bank Smartly® Checking and the Wells Fargo Everyday Checking Account— you'll want to pay close attention to how you can avoid monthly service fees and overdraft fees. This could help with narrowing down the more appealing option. The U.S. Bank Smartly® Checking has a lower monthly service fee than the...
Why You Should Trust Us: How We Reviewed U.S. Bank Checking Accounts
We used our checking account methodologyto review the two U.S. Bank checking accounts. At Business Insider, we have a scale of 0 to 5 stars for our overall rating. We compare and contrast the features and fine print of various products to help determine if the account may be right for you. Our checking methodology, specifically, takes into account the minimum opening deposit, monthly service fees, overdraft protection options, ATM network/fees, customer support availability, mobile app rating...
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.
- 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.
Jul 24, 2023 · Opening a bank account online is generally easy and can take as little as 15 minutes—less time than you might need to drive to the nearest bank lobby. Here’s how. Select a banking...
