Gold Checking Package details

Monthly maintenance fee

$0 or $14.95

How to waive the monthly maintenance fee

Your monthly fee can be waived if one of the following applies to you:
You have an open U.S. Bank personal loan, line, mortgage or credit card.1

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Gold Checking Package benefits

ATM transactions

Pay no ATM transaction fees at U.S. Bank ATMs. No ATM transaction fees are charged on your first two non-U.S. Bank ATM transactions per statement period. (Note: non-U.S. Bank ATM transactions fees apply after two).2

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.3

Basic banking must-haves

Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking with mobile check deposit,4 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). Reduced fees for Overdraft Protection Transfer Fees when transfers are made from a linked U.S. Bank credit account (Reserve Line of Credit, Credit Card, Personal Line of Credit, Home Equity Line of Credit and other lines of Credit).5

Family member accounts

Get up to two additional Easy Checking accounts with no monthly maintenance fee.6

Benefits beyond checking

A great savings account

Competitive interest rates and no monthly maintenance fees are two big benefits of our Package Money Market Savings account,7 available to our Gold Checking Package customers. And like most U.S. Bank savings accounts, it can also be used to provide overdraft protection.

Eligibility to save on closing costs

Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.8 You may be eligible for this Customer Credit with a U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank.9

100 free trades

Get 100 free trades10 per calendar year with a self-directed brokerage account through our affiliate, U.S. Bancorp Investments.* Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents for self-directed brokerage account. Learn about brokerage and IRA accounts.

For State Farm customers

  • Free initial box of U.S. Bank logo checks, or –
    50% discount on initial box of personal check designs
  • 50% off check reorders11

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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