US Bank Platinum Checking
in Checking Accounts from US Bank · Member SIPC
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| Monthly Fee | $24.95 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0.01% |
US Bank Platinum Checking Review
US Bank Platinum Checking is offered by US Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Platinum Checking is available in 28 states across the USA.
- Low APY. The maximum annual percentage yield for this account is only 0.01%.
- Charges a monthly fee. This account charges a monthly maintenance fee of $24.95.
- $25 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
- 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.
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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 Platinum Checking offer?
| 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 you must keep a minimum 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.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $25 |
| APY Minimum Balance | $0.01 |
| Minimum Combined Balance to Avoid Monthly Fee | $25,000 |
What fees does US Bank Platinum Checking charge?
This account charges a monthly maintenance fee of $24.95.
| 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 | $24.95 |
| 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 |
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 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 Platinum Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
Other Services by US Bank
Availability
- 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 | $0.01 |
| Minimum Combined Balance to Avoid Monthly Fee | $25,000 |
| Minimum Initial Deposit | $25 |
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