A basic checking account with special features just for State Farm customers
Easy Checking details
For State Farm customers
- $0 monthly maintenance fee for the first 12 months1
- $0 ATM Transaction Fee for first Non-U.S. Bank ATM Transaction per statement period2
- Free initial box of U.S. Bank logo checks or –
50% discount on initial box of personal check designs - 50% off check reorders3
Monthly maintenance fee after the first 12 months
$0 or $6.95
How to waive the monthly maintenance fee
There are three ways to waive the monthly maintenance fee for this account:
- Your combined monthly direct deposits total $1,000 or more
- You keep an average account balance4 of $1,500
- You are age 65 or greater
Other fees
A $2 paper statement fee5 applies unless the account is enrolled in e-statements. The $2 paper statement fee is waived for account holders age 65 or greater.
Easy Checking benefits
Ways to waive overdraft fees
If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee.
If your Available Balance is overdrawn by $50.01 or more, you’re given extra time to potentially waive Overdraft Paid Fees on eligible accounts with Overdraft Fee Forgiven.6
Basic banking must-haves
Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking with mobile check deposit,7 bill pay and more.
Overdraft protection transfers
Pay no fees for overdraft protection transfers made from a linked deposit account (U.S. Bank consumer savings account, money market or a secondary checking account). Overdraft Protection Transfer Fees apply when transfers are made from a linked credit account (U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Personal Line of Credit, U.S Bank Home Equity Line of Credit and other U.S. Bank lines of Credit).8
For more information on features and pricing, check out:
Our online application process is fast and secure.
You can open a checking account online in minutes with confidence. We use the strongest available 128-bit encryption to protect any information you send.
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Valid only for Easy Checking; non-transferable; waive begins with account open date.
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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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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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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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Additional fees may apply for Statements with Check Images. 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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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 for full funds availability details.
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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
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If you have linked eligible Overdraft Protection 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 however, 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.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
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.
Refer to Your Deposit Account Agreement (PDF) and the State Farm 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.
Equal Housing Lender
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