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  US Bank Gold Checking

US Bank Gold Checking

in Checking Accounts from US Bank · Member sipc

Unaffiliated

US Bank Gold Checking

Unaffiliated

in Checking Accounts from US Bank · Member SIPC

SuperMoney Net Recommendation Score -15

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.

-15

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

3 users recommend
5 users are unsure
5 users don't recommend
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Highlights
Community Rating Mostly not recommended
Monthly Fee $0 - $14.95
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%
Number of Reviews 13

US Bank Gold Checking Review

US Bank Gold Checking is offered by US Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Gold Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, US Bank Gold Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of up to $14.95, but there are ways to waive the fee.
  • No ATM fees. US Bank Gold Checking does not charge fees on ATM transactions within its network but there is a fee of up to $2.50 for out-of-network ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through US Bank.
  • Hard credit pull. US Bank may require a hard pull on your credit report to open a checking account.
US Bank Gold Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
US Bank Gold Checking FAQ

Are checking accounts from US Bank federally insured?

No, your US Bank checking accounts deposits are not FDIC insured. However, they are insured up to $500,000, which includes a $250,000 limit for cash, by the Securities Investor Protection Corporation (SIPC). SIPC is a non government, nonprofit membership corporation that protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm.

What APY does US Bank Gold Checking offer?

US Bank Gold Checking is not an interest-bearing account.

What are the account minimums for US Bank Gold Checking?

US Bank Gold Checking requires a minimum initial deposit of $25 to open an account.

US Bank Gold Checking Account Minimums
Description Amount
Minimum Opening Deposit $25
Minimum Combined Balance to Avoid Monthly Service Fee $1,500
Minimum Direct Deposit to Avoid Monthly Service Fee $1,000

What fees does US Bank Gold Checking charge?

This account charges a monthly service fee of up to $14.95.

US Bank Gold Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $14.95
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $7.50
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $19
Returned Deposit Fee (International) $19
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50

Does US Bank Gold Checking charge overdraft fees?

Yes, US Bank Gold Checking charges a $36 fee for every overdraft fee.

US Bank Gold Checking offers overdraft protection at a cost of $7.50 per transaction.

What features and perks does US Bank Gold Checking offer?

This account includes the following features:

  • Fraud monitoring - US Bank Gold Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - US Bank Gold Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for US Bank Gold Checking?

The customer support email for US Bank Gold Checking is customer.support@usbank.com.

How do people rate the customer service and user experience of US Bank Gold Checking?

Overall, US Bank Gold Checking is mostly not recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $1,500
Minimum Direct Deposit to Avoid Monthly Fee $1,000
Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Check Copy $2
Check Image Service $2
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $14.95
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $7.50
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $19
Returned Deposit Fee (International) $19
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • FDIC Member

US Bank Gold Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.

-15

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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