US Bank Platinum Checking
in Checking Accounts from US Bank · Member SIPC
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| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.01% |
| Monthly Fee | $24.95 |
| Minimum Balance to Avoid Monthly Fee | N/A |
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 service fee of $24.95.
- Bill pay. Pay your bills to practically anyone in the United States through US Bank.
| Pros | Cons |
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Are checking accounts from US Bank federally insured?
Yes, this account is 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 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 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 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.
| Description | |
|---|---|
| APY Minimum Balance | $0.01 |
| Minimum Combined Balance to Avoid Monthly Fee | $25,000 |
| Minimum Opening Deposit | Starting at $25 |
What fees does US Bank Platinum Checking charge?
This account charges a monthly service 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 |
Does US Bank Platinum Checking charge overdraft fees?
Yes, US Bank Platinum Checking charges a $36 fee for every overdraft.US Bank Platinum Checking offers 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.
Message From US Bank Platinum Checking
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
- Email Support
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 Opening Deposit | Starting at $25 |
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