Come grow with U.S. Bank.
As a State Farm® Alliance customer, when you open a U.S. Bank Smartly® Checking account, you’re automatically enrolled in the Primary tier of the U.S. Bank Smart Rewards® program. No cost and no balance requirements! You’ll move through our four-tiered program as you increase your combined balances. Watch your benefits and rewards grow with each tier.
Applicants ages 18 years and over may apply individually or jointly. Those ages 13 through 17 must apply jointly with an adult.
Experience the benefits of a U.S. Bank Smartly® Checking account.
All State Farm Alliance account holders enjoy:
- Interest earned on checking1 View current rates
- No fees for overdrawn balances of $50 or less2
- Overdraft Fee forgiven program3 for overdrawn balances over $50
- No ATM Transaction fees at U.S. Bank ATMs4
- No ATM Transaction fees on the first four non-U.S. Bank ATM transactions per statement period4, 5
- Starting $0 Monthly Maintenance fee on all new U.S. Bank Elite Money Market accounts6
Reward yourself (and your kids) with complimentary access to Greenlight.7
It’s the family app that teaches kids financial smarts with goal-setting games, chores that earn cash and a debit account you can monitor. Best part? If you have a Bank Smartly® Checking account or any other eligible U.S. Bank checking account, its complimentary.
Supercharge your Smart Rewards.
Pair a State Farm personal credit card with a Bank Smartly® Checking account to get exclusive cash-back deals across your favorite brands and categories.
Get boosted to the Primary tier of Smart Rewards®.
As a State Farm® Alliance customer, the minimum balance and Monthly Maintenance Fees are waived.8 Open a Bank Smartly® Checking account to be auto enrolled.
Bank Smartly Checking with interest1 Learn more (PDF)
Monthly Maintenance fees waived Learn more (PDF)
Standard Savings interest rate lift9 Learn more (PDF)
+5% of the standard interest rate
+10% of the standard interest rate
+15% of the standard interest rate
+15% of the standard interest rate
First four per statement
period (Alliance customer
group benefit)
First four per statement
period
Unlimited
Unlimited
Non-U.S. Bank ATM owner surcharge fees reimbursed (Domestic only)4
First fee per statement period
First four fees per statement period
Exclusive cash-back deals across top merchants/categories with an eligible and open State Farm Personal Credit Card10
(Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank or State Farm are not eligible for these offers.)
100 Free Trades11 per calendar year with a self-directed brokerage account, exclusively through our affiliate, U.S. Bancorp Investments*
Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $100012
Complimentary virtual financial consultation13
Complimentary virtual financial consultation13
Complimentary virtual financial consultation13
Complimentary virtual financial consultation14
IRA annual fee waived15
Overdraft benefits Learn more (PDF)
Other fee waiver benefits Learn more (PDF)
Special rewards and services for other customer groups
Are you also a member of one of these other customer groups? If so, you may be eligible for additional services and rewards tailored to meet your needs.
*A Bank Smartly® Checking account and/or Smart Rewards® enrollment are not required to qualify for these benefits.
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Variable rate account - Interest rates are determined at the bank’s discretion and can 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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In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.
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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 ATMs, 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 (PDF) for full funds availability details.
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ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.
ATM Surcharge: Non-U.S.. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S.. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.
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When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S.When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.
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Monthly maintenance fee waiver is for the first twelve months from the money market account open date. After the first twelve months, the requirement to waive the monthly maintenance fee is a $10,000 minimum daily balance. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included
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To receive a complimentary Greenlight account from U.S. Bank, an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) must be the primary/preferred funding source for your Greenlight account. You are required to be an authorized transactor on the U.S. Bank checking account, be at least 18 years of age, and be enrolled in online banking. If your U.S. Bank checking account ceases to be the primary/preferred funding source for your Greenlight account, you may be charged a monthly fee by Greenlight. Please refer to the Greenlight Program Consumer Terms & Conditions for additional information and Greenlight account eligibility at greenlight.com/terms.
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As a State Farm Alliance customer, you will be automatically enrolled into the Primary tier of our Smart Rewards® program and the monthly maintenance fee is waived. Please refer to the Consumer Pricing Information (PDF) disclosure for more details.
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Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. The interest rate Lift is calculated by taking your current interest rate and multiplying it by the interest rate Lift. This gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate Lift applies to standard rates only, it is not applicable for special or promotional rates. Savings interest rate Lift applies to Standard Savings only.
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Exclusive Smart Rewards cash back deals are available to U.S. Bank or State Farm personal credit cardmembers whose accounts are open and in good standing who: (1) have a U.S. Bank Smartly® Checking account; (2) are enrolled in the U.S. Bank Smart Rewards program; and (3) qualify for the Primary tier of the program or higher. Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank or State Farm are not eligible for these offers. Smart Rewards cash back deals appear in online banking and the U.S. Bank mobile app and will change approximately every 45 days. Following enrollment in U.S. Bank Smart Rewards program, offers will be made available to eligible cardmembers within 4-6 weeks. To access and activate the cash back deals, cardmembers must log in to online banking or the mobile app and select the Smart Rewards cash back deals to activate them. Once the deal or deals are activated, shop online or in store at offer-activated stores using your enrolled U.S. Bank personal credit card at checkout. Terms and conditions applicable to each offer are provided with the offer. Cash back is automatically credited within 5-7 business days to the card or account used to complete the deal.
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Offer is for 100 free trades per calendar year (Jan. 1 to Dec. 31) 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. To receive the free trades, a U.S. Bank Smartly® Checking account or an existing U.S. Bank Platinum® Checking Package or U.S. Bank Gold® Checking Package must be established. 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.
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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. To receive the U.S. Bank client credit, a U.S. Bank Smartly®Checking account must be established prior to final loan approval, or must have either an existing U.S. Bank Personal Checking Package or first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account.
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For the Primary, Plus and Premium Tier: To schedule your complimentary virtual consultation, make an appointment online at usbank.com/advisorycenter or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary virtual consultation is available to customers outside the Rewards Program.
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For the Pinnacle Tier: To schedule your complimentary financial consultation, find an advisor near you at usbank.com/advisor or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary financial consultation is available to customers outside the Rewards Program.
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Maintaining an open U.S. Bank Smartly® Checking account enrolled in the Smart Rewards® Plus tier, at a minimum, is required to waive the IRA annual fee. The IRA annual fee waiver does not apply to Personal Trust IRAs.
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When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
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Account may be assessed the Monthly Maintenance Fee when the account holder reaches 18 years of age. Account holder(s) age 13 to 17 will receive the monthly maintenance fee waiver under the Youth customer group. In the event the account holder is not currently a signer on the account the account holder must visit a branch with the custodian/guardian on the account to gain authority to access account funds.
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Military group requires notification to U.S. Bank to enact the status and is inclusive of both current and former members.
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For banking clients of U.S. Bank Wealth Management, Private Wealth Management or Ascent Private Capital Management.
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For more information, refer to Your Deposit Account Agreement (PDF), in the section titled Funds Availability.
The creditor and issuer of these credit cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company.
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.
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. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
Equal Housing Lender
U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402
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