What is a Safe Debit Account?
It’s a check-less checking account, an alternative to traditional checking. Deposits, withdrawals and payments can be made similar to any other U.S. Bank deposit account.
The Safe Debit Account is suitable for those who want a debit card but don’t need to write checks. It is particularly suitable as a joint account with a minor.
Safe Debit Account benefits
Basic banking must-haves
No overdraft fees
With a debit card, you’re less likely to overdraw on your account. But in case you do, there are no overdraft charges.4
Free credit score access5
Take advantage of free access to the TransUnion® CreditView™ Dashboard through online and mobile banking.
- See your VantageScore® 3.0 credit score and ranking.
- Use Score Simulator to see an estimated credit score if you take certain credit actions.
- Find helpful credit education information and resources.
Discounts on money orders
Send money quickly and securely with discounted money orders.
Learn more about additional features and pricing by checking out the following resources:
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No checks issued/use of checks is not permitted. Safe Debit Account subject to terms and conditions and fees and charges for select services. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Pricing Information guide.
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Safe Debit Accounts are not eligible for recurring payments or express delivery and can only pay billers listed in our system who accept electronic payment.
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We will not charge you an Overdraft Paid Fee, but you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive.
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Free credit score access, alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S. Bank to make credit decisions.
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.
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