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  US Bank Safe Debit Account
US Bank Safe Debit Account Unaffiliated

US Bank Safe Debit Account

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $4.95
Minimum Balance to Avoid Monthly Fee N/A

US Bank Safe Debit Account Review

US Bank Safe Debit Account is offered by US 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.
US Bank Safe Debit account Pros & Cons
Pros Cons
  • No overdraft fees
  • monthly fees cannot be waived.
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • 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 are not insured by a federal insurance agency. This means that if US Bank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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
Minimum Balance to Earn APY $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 Starting at $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:

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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From US Bank

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

Icon for Checking Accounts
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

Minimum Balance to Earn APY $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 Starting at $2.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
APY (Annual Percentage Yield) 0%

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