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  US Bank Checking Account

US Bank Checking Account

in Checking Accounts from US Bank

Unaffiliated

US Bank Checking Account

Unaffiliated

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

US Bank Checking Account Review

US Bank Checking Account is offered by US Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Checking Account 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 offer?

US Bank Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 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 requires a minimum initial deposit of $25 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
Description
Monthly Fee $0 - $24.95
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
NSF Fee $36
Overdraft Protection Fee (per transfer) $0
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

What features and perks does US Bank Checking Account offer?

This account includes the following features:

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

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 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
Overdraft Protection Fee (per transfer) $0
Check Copy $2
Check Image Service $2
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $24.95
NSF Fee $36
Overdraft Item Fee $36
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
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
APY (Annual Percentage Yield) 0.01%

US Bank Checking Account Community Reviews

 

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