US Bank Checking Account

in Checking Accounts from US Bank

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US Bank Checking Account


in Checking Accounts from US Bank

SuperMoney Net Recommendation Score -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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You voted: May or may not recommend

Community Rating Mostly not recommended
Monthly Fee $0 - $24.95
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY 0.01%
Number of Reviews 13


Where does US Bank Checking Account do business?

US Bank Checking Account is based in Minneapolis, MN. It was founded in 1863 and offers checking accounts services in 28 states across the USA.

US Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does US Bank offer?

US Bank Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.01% - 0.01%

US Bank Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1.

What are the account minimums for US Bank Checking Account?

US Bank Checking Account does not have a minimum initial deposit to open an account.
US Bank Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $25
APY Minimum Balance $1
Minimum Combined Balance to Avoid Monthly Fee $1,500
Minimum Direct Deposit to Avoid Monthly Fee $1,000

What fees does US Bank Checking Account charge?

This account charges a monthly maintenance fee of up to $24.95.

US Bank Checking Account Fees
Fees Amount
ATM Out-Of-Network Fee $2.50
Check Copy Fee $2
Check Image Service $2
Early Account Closure $25
Non-Sufficient Funds $36
Overdraft Item Fee $36
Returned Deposit Fee (International) $19
Outgoing Domestic Bank Transfer Fee $30
Incoming Domestic Bank Transfer Fee $20
Outgoing International Bank Transfer Fee $50
Incoming International Bank Transfer Fee $25
Early Closure Fee $25
Paper Statement Fee $2

What features and perks does US Bank Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - US Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 28 states
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

APY Minimum Balance $1
Minimum Initial Deposit $25
Minimum Combined Balance to Avoid Monthly Fee $1,500
Minimum Direct Deposit to Avoid Monthly Fee $1,000
ATM Fee: In-Network $0
Overdraft Protection Fee (per transfer) $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Monthly Fee $0 - $24.95
Paper Statement Fee $2
ATM Fee: Out-of-Network $2.50
NSF Fee $36
Overdraft Item Fee $36
Early Account Closure $25
Returned Deposit Fee (Domestic) $19
Stop Payment Fee $35
Check Image Service $2
Check Copy $2
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $25
Returned Deposit Fee (International) $19
Wire Transfer Fee - Domestic (Incoming) $20
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
APY 0.01%



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