SuperMoney
  US Bank Easy Checking

US Bank Easy Checking

in Checking Accounts from US Bank · sipc

Unaffiliated

US Bank Easy Checking

Unaffiliated

in Checking Accounts from US Bank · Member SIPC

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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.

Rating not yet determined  

0 users recommend
0 users are unsure
1 user doesn't recommend
Cast your vote

Would you recommend US Bank Easy Checking to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Monthly Fee $6.95
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee $1,500
APY (Annual Percentage Yield) 0%

US Bank Easy Checking Review

US Bank Easy Checking is offered by US Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Easy Checking is available in 28 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, US Bank Easy Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of $6.95, but the fee is waived if you keep a minimum balance of $1,500 or have a monthly direct deposit of $1,000.
  • Bill pay. Pay your bills to practically anyone in the United States through US Bank.
US Bank Easy checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest
  • Only available in 28 states.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
US Bank Easy checking FAQ

Are checking accounts from US Bank federally insured?

No, your US Bank checking accounts deposits are not FDIC 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 Easy checking offer?

US Bank Easy checking is not an interest-bearing account.

What are the account minimums for US Bank Easy checking?

US Bank Easy checking requires a minimum initial deposit of $25 to open an account.

US Bank Easy checking Account Minimums
Description Amount
Minimum Opening Deposit $25
Minimum Direct Deposit to Avoid Monthly Service Fee $1,000
Minimum Balance to Avoid Monthly Service Fee $1,500

What fees does US Bank Easy checking charge?

This account charges a monthly service fee of $6.95.

US Bank Easy Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $6.95
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
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

Does US Bank Easy checking charge overdraft fees?

Yes, US Bank Easy checking charges a $36 fee for every overdraft.

US Bank Easy checking offers overdraft protection at a cost of $12.50 per transaction.

What features and perks does US Bank Easy checking offer?

This account includes the following features:

  • Fraud monitoring - US Bank Easy checking 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 Easy checking allows you to manage your money online or with a mobile app. This includes depositing checks 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 Easy checking?

The customer support email for US Bank Easy checking is customer.support@usbank.com.

How do people rate the customer service and user experience of US Bank Easy checking?

Overall, US Bank Easy checking is strongly not recommended based on community reviews that rate customer service and user experience.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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

Minimum Direct Deposit to Avoid Monthly Fee $1,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee $1,500
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 $6.95
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
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
Account Features
  • Member FDIC
  • Branch Access
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • Mobile Check Deposit

US Bank Easy Checking Community Reviews

 

Would you recommend US Bank Easy Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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.

sorted by

Other Checking Accounts

US Bank Checking Accounts

Loading...