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  US Bank Platinum Checking

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US Bank Platinum Checking
in Checking Accounts from U.S. Bank · Member FDIC

Not Currently Available

US Bank Platinum Checking

in Checking Accounts from U.S. Bank · Member FDIC
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 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  

2 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
Monthly Fee $0 - $24.95
(Verified 07/19/2022)
Minimum Balance to Avoid Monthly Fee N/A

US Bank Platinum Checking Review

US Bank Platinum Checking is no longer available to new customers on SuperMoney.

Click here to compare Checking Accounts and quickly find the best options for your needs.

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

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $24.95.
  • Bill pay. Pay your bills to practically anyone in the United States through U.S. Bank.

US Bank Platinum Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in 28 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.

US Bank Platinum Checking FAQ

Are checking accounts from U.S. Bank federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #6548). 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.

What APY does US Bank Platinum Checking offer?

US Bank Platinum Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

US Bank Platinum Checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.01.

What are the account minimums for US Bank Platinum Checking?

US Bank Platinum Checking requires a minimum initial deposit of $25 to open an account.

US Bank Platinum Checking Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Balance to Earn APY $0.01

What fees does US Bank Platinum Checking charge?

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

US Bank Platinum Checking Fees
Description
Monthly Fee $0 - $24.95
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Returned Deposit Fee (Domestic) $19
Returned Deposit Fee (International) $19
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25

Does US Bank Platinum Checking charge overdraft fees?

Yes, US Bank Platinum Checking charges a $36 fee for every overdraft. You can get overdraft protection at a cost of $12.50 per transaction.

What features and perks does US Bank Platinum Checking offer?

This account includes the following features:

  • Fraud monitoring - US Bank Platinum 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 Platinum 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.

What is the customer support email for US Bank Platinum Checking?

The customer support email for US Bank Platinum Checking is customer.support@usbank.com.

How do people rate the customer service and user experience of US Bank Platinum Checking?

Overall, US Bank Platinum Checking is strongly recommended based on community reviews that rate customer service and user experience.

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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.

Message From US Bank Platinum Checking

Platinum Checking, Experience our top-tier account, with our best interest rates and perks. This interest-bearing checking account helps you get the most out of your money. 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by U.S. Bank

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View all checking accounts offered by U.S. Bank

Availability

  Available in 28 states
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Minnesota
  • Missouri
  • Montana
  • North Dakota
  • Nebraska
  • New Mexico
  • Nevada
  • Ohio
  • Oregon
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Balance to Earn APY $0.01
Monthly Fee $0 - $24.95
(Verified 07/19/2022)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Returned Deposit Fee (Domestic) $19
Returned Deposit Fee (International) $19
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.01%

US Bank Platinum Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 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.

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