Get an account.
Minimum opening deposit
Get started with as little as $100.
Monthly maintenance fee
After the first 12 months, your low monthly maintenance fee is $10.
You can waive the monthly maintenance fee after 12 months by maintaining a $10,000 minimum daily ledger balance.3
Your Monthly Maintenance Fee can also be waived with your automatic enrollment in Smart Rewards® with a U.S. Bank Smartly® Checking account
Terms and conditions
How to apply
Apply online for our Elite Money Market Account. It’s secure and takes less than ten minutes to complete your application and get a decision.
To apply online, you’ll need:
- Your Social Security number or Individual Taxpayer Identification Number
- Your driver’s license, State ID or Military ID
- To be at least 18 years old and a legal U.S. resident
- Enter your personal information
- Provide details about your account(s)
- Verify your application data
Submit and you’re all set.
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Valid if the customer maintains an Elite Money Market account only (without the presence of a Bank Smartly checking account); Monthly Maintenance Fee waiver starts on account open date.
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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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The daily ledger 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.
Deposit products are offered by U.S. Bank National Association. Member FDIC.