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US Bank Platinum Checking
Would you recommend US Bank Platinum Checking to your friends?
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.01% (Verified 08/04/2023) |
| Monthly Maintenance Fee |
$0 - $24.95 (Verified 08/04/2023) |
| 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 when you enroll in U.S. Bank mobile or online banking.
US Bank Platinum Checking 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 maintenance fee of up to $24.95.
| Description | |
|---|---|
| Monthly Maintenance 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 |
| 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 (Standard Delivery) | $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.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 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Other Checking Accounts by U.S. 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
| 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
Would you recommend US Bank Platinum Checking to your friends?
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