Enjoy the perks without the checks.
Applicants ages 18 years and over may apply for a Safe Debit account individually or jointly. Those ages 13 through 17 must apply jointly with an adult.
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
Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking with mobile check deposit,2 bill pay3 and more.
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.
More information
Learn more about additional features and pricing by checking out the following resources:
Open an account online.
It’s fast and easy, typically taking only a few minutes. The Safe Debit account can be opened individually or jointly if you’re 18 years old or over. To open a joint account online, simply select the Joint option when applying.
Note: Applicants ages 13 through 17 may open a Safe Debit account jointly with an adult.
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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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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
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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.
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 Consumer Pricing Information (PDF) disclosure for a summary of fees, terms, and conditions that apply. These documents can be obtained by calling 800-890-2233.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
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