A basic checking account with special features just for State Farm customers
Easy Checking details
For State Farm customers
- $0 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 reorders
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 balance3 of $1,500
- You are age 65 or greater
Other fees
A $2 paper statement fee4 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
Basic banking must-haves
Enjoy a U.S. Bank Visa® Debit Card, online and mobile banking with mobile check deposit,5 bill pay and more.
No-fee 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).6
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).
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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Transactions at Non-U.S. Bank ATMs may be assessed ATM Transaction fees that are disclosed in the section titled “Miscellaneous Checking, Savings or Money Market Fees” of the U.S. Bank Consumer Pricing Information disclosure. Additionally, Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator.
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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 and Statements with Check Return. Check images are available with paper or e-statements. Check Return is only available with paper statements. Account with the Senior customer indicator receive $1.00 discount per statement cycle for Statement with Check Return fee and the Statement with Check Images fee is waived.
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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 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 $5.00 or less, the amount advanced will be $5.00 and the Overdraft Protection Transfer Fee will be waived. Refer to Your Deposit Account Agreement, section titled “Overdraft Protection Plans,” for additional information.
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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.
U.S. Bank