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  US Bank Safe Debit Account

US Bank Safe Debit Account

in Checking Accounts from US Bank · sipc

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US Bank Safe Debit Account

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in Checking Accounts from US Bank · Member SIPC

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Highlights
Monthly Fee $4.95
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

US Bank Safe Debit Account Review

US Bank Safe Debit Account is offered by US Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Safe Debit Account is available in 28 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, US Bank Safe Debit Account does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of $4.95.
  • Bill pay. Pay your bills to practically anyone in the United States through US Bank.
US Bank Safe Debit account Pros & Cons
Pros Cons
  • No overdraft fees
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • monthly fees cannot be waived.
  • No signup bonus.
  • Does not earn interest
  • 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 Safe Debit account FAQ

Are checking accounts from US Bank federally insured?

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 Safe Debit account offer?

US Bank Safe Debit account is not an interest-bearing account.

What are the account minimums for US Bank Safe Debit account?

US Bank Safe Debit account requires a minimum initial deposit of $25 to open an account.

US Bank Safe Debit Account Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $25

What fees does US Bank Safe Debit account charge?

This account charges a monthly service fee of $4.95.

US Bank Safe Debit Account Fees
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 $4.95
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
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 Safe Debit account charge overdraft fees?

No, US Bank Safe Debit account does not charge overdraft fees.

What features and perks does US Bank Safe Debit account offer?

This account includes the following features:

  • Fraud monitoring - US Bank Safe Debit account 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 Safe Debit account 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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for US Bank Safe Debit account?

The customer support email for US Bank Safe Debit account is customer.support@usbank.com.

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Message From US Bank Safe Debit Account

Safe Debit Account, A bank account minus the checks with no overdraft fees. With a debit card, you’re less likely to overdraw on your account. But in case you do, there are no overdraft charges.

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 US Bank

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View all checking accounts offered by US 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

APY Minimum Balance $0
Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Check Copy $2
Check Image Service $2
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $4.95
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
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC

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