Personal Loans

U.S. Bank Personal Loan

Fund an upcoming project, make that special purchase or pay down higher interest-rate debt. Benefits include:

  • Competitive rates.
  • Easy digital application and funding.
  • No collateral requirements.

Checking

U.S. Bank Smartly® Checking

Turn every dollar into a step forward. Benefits include:

  • Auto enrollment in the U.S. Bank Smart Rewards® program.
  • Multiple ways to waive the $12 monthly maintenance fee on Bank Smartly Checking.1
  • The $10 Elite Money Market monthly maintenance fee waived.
  • First four non-U.S. Bank ATM Transaction Fees waived per statement period.2, 3

Apply with a minimum opening deposit of $25.

Or see other checking option:

Savings

U.S. Bank Smartly® Savings

Unlock more ways to save smartly. Key benefits include:

  • Competitive relationship rates.
  • Digital tools, including automated savings and goal-setting tools.
  • A waiver of the $5 monthly maintenance fee when combined with a Bank Smartly® Checking account or other eligible product.4

Apply with a minimum opening deposit of $25.

Or see other savings options:

Certificate of deposit

CD Special

Get better returns by locking in a promotional rate. The CD special account requires a $1,000 minimum deposit5,6 Select your state and county in order to view rates.

CHOOSE YOUR ANNUAL PERCENTAGE YIELD.7


See other CD options.

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Disclosures

  1. Members of the military (requires self disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients ages 24 and under or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

  2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. This means that you may be charged more than one ATM Transaction fee at a Non-U.S. Bank ATM during a single ATM session. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the  screen.

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

    Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  3. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.

  4. The $5 monthly maintenance fee is waived with the presence of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.

  5. $1,000 minimum opening deposit up to a maximum of $250,000. 

  6. Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

  7. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

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Deposit products are offered by U.S. Bank National Association. Member FDIC.

State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company. 

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