US Bank Gold Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 01/21/2026
Not Currently Available
US Bank Gold Checking
Claimed
in Checking Accounts from U.S. Bank
Last Updated: 01/21/2026
SuperMoney User Recommendation Score -14
Mostly not recommended14 total votes
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Highlights
Community Rating
Mostly not recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $14.95(Verified 01/21/2026)
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Number of Reviews
US Bank Gold Checking Review
US Bank Gold Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
The US Bank Gold Checking is offered by U.S. Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank checking account 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 fee of up to $14.95.
- No ATM fees. US Bank Gold Checking does not charge fees on ATM transactions within its network but there is a fee of $2.5 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in U.S. Bank mobile or online banking.
US Bank checking account Pros & Cons
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US Bank checking account FAQ
Are checking accounts from U.S. Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does US Bank checking account offer?
US Bank checking account is not an interest-bearing account.
What are the account minimums for US Bank checking account?
US Bank checking account requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $1,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does US Bank checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $14.95.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $14.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does US Bank checking account charge overdraft fees?
Yes, US Bank checking account charges a $36 fee for every overdraft.What features and perks does US Bank checking account offer?
This account includes the following features:
- Fraud monitoring - US Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - US Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 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 checking account?
The customer support email for US Bank checking account is customer.support@usbank.com.
How do people rate the customer service and user experience of US Bank checking account?
Overall, US Bank checking account is mostly not recommended based on community reviews that rate customer service and user experience.
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Message from US Bank checking account
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed