Compare checking accounts.
This handy comparison chart can help you compare checking account fees, features, and benefits to find the best checking account for your needs.
All of our checking accounts include:
- Access to your money at thousands of U.S. Bank branches and ATMs in 25 states
- One of the largest ATM networks in America
- Access to your account 24/7 online or with our mobile app
Choose the accounts you want to compare.
Monthly maintenance fee
How to waive the monthly fee
Non-U.S. Bank ATM Transaction fees
Interest-bearing option7
Overdraft protection transfer discount
Paper statement fee
Personal check discounts
Family member checking accounts
Complementary savings account
No annual fee on a home equity line of credit
100 Free Trades
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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
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ATM Transactions: If a Non-U.S. Bank ATM Transaction fee applies, U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Additionally, Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. If you use an ATM that uses the MoneyPass® Network and are charged a fee, please contact us at 800-USBANKS (872-2657) for a refund. To find MoneyPass® ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator. 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. When changing to Student, Gold, or Platinum Checking account types, corresponding Non-U.S. Bank ATM Transaction fee waivers will become available on the first day of the next statement cycle.
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Valid only for Easy Checking; non-transferable; waive begins with account open date.
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Average account balance – 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 days within the statement period.
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Gold Monthly Maintenance Fee waiver – Qualifying accounts include U.S. Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and activated credit cards. (U.S. Bank Reserve Line of Credit and student loans are excluded.) Mortgage and credit products are subject to eligibility requirements and normal credit approval and may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details.
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Combined deposit, investment and credit balances – Combined deposit balances include the average monthly collected balances for U.S. Bank personal checking, savings, money market and IRA accounts and CDs. Outstanding credit balances include balances on U.S. Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and credit cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period with U.S. Bancorp Investments.
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Variable rate account – Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates disclosures on rates, compounding and crediting and other balance information.
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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. If the negative Available Balance is $5.00 or less, the amount advanced will be $5.00. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50.00 or less. Please 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, section titled “Overdraft Protection Plans,” for additional information. These documents can be obtained by visiting usbank.com, on the Mobile App, by calling 24-Hour Banking at 800-USBANKS (872-2657) or contacting your local branch.
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Paper statement fees – Additional fees may apply for Statements with Check Images. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section in your Consumer Pricing Information disclosure. Check Images are available with Paper or e-statements. Accounts with the Senior customer indicator receive waived fees for Statement with Check Image.
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If enrolled in paper statements, your statement will show a $2.00 Paper Statement Fee which will then be reversed as part of being a Gold or Platinum Checking Package customer.
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When changing existing checking or checking package options (or adding Senior benefits) check order discounts may not be immediately available but will generally be available within 5 business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
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Additional checking accounts – Platinum and Gold Checking Package customers can open additional Easy Checking accounts with no monthly maintenance fee. Requires at least one identical account holder on all accounts. Gold Checking Package customers are limited to two Easy Checking accounts with no monthly maintenance fee.
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Package Money Market eligibility – A U.S. Bank Package Money Market Savings account requires you to maintain an open U.S. Bank Silver or Gold Checking Package account with at least one common account holder on each account. The Package Money Market Savings account will be converted to a U.S. Bank Standard Savings account if the Silver or Gold Checking Package account is closed or transferred to a different non-qualifying product. NOTE: As of February 11, 2019, the Silver Checking Package will no longer be offered.
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Platinum Select Money Market eligibility – A U.S. Bank Platinum Select Money Market Savings account requires you to maintain an open U.S. Bank Platinum Checking Package account with at least one common account holder on each account. The Platinum Select Money Market Savings account will be converted to a U.S. Bank Standard Savings account if the associated Platinum Checking Package account is closed or transferred to a different non-qualifying product. If a Silver or Gold Checking Package also exists, the Platinum Select Money Market Savings account will be converted to a Package Money Market Savings account. NOTE: As of February 11, 2019, the Silver Checking Package will no longer be offered.
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Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000. You may be eligible for this customer credit with a U.S. Bank Personal Checking Package, or an existing U.S. Bank first mortgage.
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For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.
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To receive the U.S. Bank Customer Credit, a U.S. Bank Personal Checking Package must be established prior to final loan approval or must have an existing first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Personal Checking Package. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information disclosure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.
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Free trades (Gold Checking Package) – Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
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Free trades (Platinum Checking Package) – Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Free trades require enrollment in paperless documents for self-directed brokerage account (not required for existing brokerage accounts opened before March 31, 2019). Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
Refer to Your Deposit Account Agreement and the State Farm Deposit Addendum and Consumer Pricing Information disclosure for a summary of fees, terms, and conditions that apply. These documents can be obtained by calling 800-890-2233.
Investment and Insurance products and services including annuities are:
Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not Insured by any Federal Government Agency
U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
*For U.S. Bancorp Investments:
Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.
For U.S. Bank:
U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
Mortgage, home equity and credit products are offered by U.S. Bank National Association.
Deposit products are offered by U.S. Bank National Association, Member FDIC.
Equal Housing Lender
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.
The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.
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