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US Bank Platinum Checking
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| 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
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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 |
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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?
| 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 | |
|---|---|
| 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.
| 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.
Message From US Bank Platinum Checking
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Availability
- 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 |
US Bank Platinum Checking Community Reviews
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