Platinum Checking Package details

Monthly maintenance fee

$0 or $24.95

How to waive the monthly maintenance fee

Your monthly fee can be waived if one of the following applies to you:

  • You have $25,000 in combined personal deposit or credit balances1 with U.S. Bank, and/or investments* through U.S. Bancorp Investments.
  • You have a personal trust relationship with U.S. Bank Wealth Management.
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Today’s rates

Annual percentage yield (APY) and interest rates effective mm/dd/yy for County, State (Change)

Daily balance2 APY Interest rate

Platinum Checking Package benefits

ATM Transactions

No ATM Transaction fees on Non-U.S. Bank ATM Transactions3

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.4

Pays interest5

This interest-bearing checking account helps you get the most out of your money.

No-fee overdraft protection transfers

Pay no fees for overdraft protection transfers.

Basic banking must-haves

Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking with mobile check deposit,6 bill pay and more.

Waived paper statement fees

Pay no fees7 for copies of checks and paper statements.8

Personal check discounts

Get your initial box of U.S. Bank logo checks free, or enjoy a 50% discount on all other personal designs, with a 50% discount on any re-orders (U.S. Bank logo or personal).9

Family member accounts

Get additional Easy Checking accounts with no monthly maintenance fee.10

Benefits beyond checking

Access to an exclusive savings account

Enjoy no monthly maintenance fee while earning interest with our Platinum Select Money Market Savings account, available only to our Platinum Checking Package customers.11 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 $1,000.12 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.13

Exclusives for Platinum Checking customers

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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