Meet the U.S. Bank Smartly® Checking account.
Apply online in minutes with an opening deposit of $25. As a State Farm Alliance customer, you’ll receive exclusive rewards and benefits.
Applicants ages 18 years and over may apply individually or jointly. Those ages 13 through 17 must apply jointly with an adult.
Come grow with U.S. Bank.
As a State Farm customer, when you open a U.S. Bank Smartly® Checking account, you’re auto enrolled in the Primary tier of the Smart Rewards® program. No cost and no balance requirements! Move through the four-tiered program as you increase your combined balances. Watch your benefits grow with each tier.
Say farewell to fees.
Pay $0 in Monthly Maintenance Fees.
It’s one of many perks that comes with the Primary tier of the Smart Rewards® program.1
Tap into our ATM network to avoid ATM fees.
- Pay no ATM transaction fees at U.S. Bank ATMs.
- Pay no surcharge fees at MoneyPass® Network ATMs. (To find locations, select Show MoneyPass® ATM Network locations in the ATM locator.4)
Teach your kids financial smarts - the fun way.
The Greenlight family app lets you do just that.
- Create goal setting games.
- Set up ways for them to earn cash.
- Give them a debit card that you monitor.
- Join them in interactive learning games.
Greenlight is complimentary5 for U.S. Bank clients with a Bank Smartly® Checking account or other qualifying account.
Maximize your potential.
Tap into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness.
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Manage cash easily:
- Account alerts6 and reminders
- Balance forecasting
- Automated budgeting
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Save & spend wisely:
- Personalized financial insights
- Financial goal setting
- Tools to automate savings
Rest easy. We’ve got you covered.
Your money and data are protected:
- Zero fraud liability 12
- The industry’s strongest available encryption
- Security alerts
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As a State Farm Alliance customer, you will be automatically enrolled into the Primary tier of our Smart Rewards® program. Please refer to the Consumer Pricing Information (PDF) disclosure for more details.
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If you have linked eligible accounts, and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50.00. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50.00 or less. Note: if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. Refer to Your Deposit Account Agreement (PDF), section titled Overdraft Protection Plans, for additional information.
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Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.
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ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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 “Show MoneyPass® ATM Network locations” in the ATM Locator. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
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To receive a complimentary Greenlight account from U.S. Bank, an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) must be the primary/preferred funding source for your Greenlight account. You are required to be an authorized transactor on the U.S. Bank checking account, be at least 18 years of age, and be enrolled in online banking. If your U.S. Bank checking account ceases to be the primary/preferred funding source for your Greenlight account, you may be charged a monthly fee by Greenlight. Please refer to the Greenlight Program Consumer Terms & Conditions for additional information and Greenlight account eligibility at greenlight.com/terms.
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For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that these alerts may not be sent immediately.
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U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
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In its Q3 2021 Mobile Banker Scorecard, the industry benchmarking firm Keynova Group ranked U.S. Bank #1 overall in mobile banking, including No.1 for mobile app.
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In Business Insider Intelligence’s fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was been ranked No.1 in customer service features.
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In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as No.1 in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more.
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Zero fraud liability - U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Banking Agreement section in Your Deposit Account Agreement (PDF) for details.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
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