US Bank Gold Checking
in Checking Accounts from US Bank · Member SIPC
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Would you recommend US Bank Gold Checking to your friends?
| 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.
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 maintenance fee of up to $14.95.
- $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- No ATM fees. US Bank Gold Checking does not charge fees on 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 |
|---|---|
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US Bank Gold Checking FAQ
Are checking accounts from US Bank federally insured?
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.
| 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.
| 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.
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Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
Other Services by US Bank
View all checking accounts offered by US Bank
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 |
US Bank Gold Checking Community Reviews
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