Experience our top-tier account, with all the perks while earning interest
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.
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
- Pay no annual fee on a U.S. Bank Home Equity Line of Credit if you also have a Platinum Checking account.
- Get 100 free trades14 per calendar year when you open a new self-directed brokerage account through our U.S. Bancorp Investments* affiliate.
- Get a safe deposit box at half of the annual fee.
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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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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A minimum of $25 is required to open the account. You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited, you will not receive the accrued interest.
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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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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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Variable rate account. Rates are determined at the bank’s discretion and may 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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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
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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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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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Platinum Select Money Market Savings eligibility – A U.S. Bank Platinum Select Money Market Savings account requires you to maintain an open U.S. Bank Platinum Checking Package 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 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 is no longer offered.
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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 calling 800-890-2233. 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. Visit usbank.com to learn more about U.S. Bank products and services.
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Free trades (Platinum Checking Package) – Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Free trades requires 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.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
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 and insurance products and services including annuities 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. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.
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.
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 and the 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
U.S. Bank