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  US Bank Gold Checking

US Bank Gold Checking

in Checking Accounts from US Bank

Unaffiliated

US Bank Gold Checking

Unaffiliated

in Checking Accounts from US Bank

SuperMoney Net Recommendation Score -15%

SUPERMONEY NET RECOMMENDATION SCORE

-15%

-100% 0% +100%
No one recommends Everyone recommends

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
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 28 states across the USA.

Are checking accounts from US Bank federally insured?

Yes, your US Bank checking accounts are insured up to $250,000 per person 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. No, your US Bank checking accounts are not federally 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 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 Gold Checking charge?

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

US Bank Gold Checking Fees
Description
Monthly Fee $0 - $14.95
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
NSF Fee $36
Overdraft Protection Fee (per transfer) $7.50
Overdraft Item Fee $36
Early Account Closure $25
Returned Deposit Fee (Domestic) $19
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
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
ATM Reimbursement Monthly Limit N/A

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 Bill Pay - 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. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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...

Availability

  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 Combined Balance to Avoid Monthly Fee $1,500
Minimum Direct Deposit to Avoid Monthly Fee $1,000
Minimum Initial Deposit $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
  • Bauer Financial A+/A Rating
  • Branch Access
  • Debit Card
  • FDIC Member
  • Fraud Monitoring
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees

US Bank Gold Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-15%

-100% 0% +100%
No one recommends Everyone recommends

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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