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  US Bank Safe Debit Account
US Bank Safe Debit Account
in Checking Accounts from U.S. Bank · Member FDIC
Claimed

US Bank Safe Debit Account

Claimed
in Checking Accounts from U.S. Bank · Member FDIC
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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Highlights
Community Rating

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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 U.S. Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Safe Debit Account are 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 U.S. 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 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 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 Opening Deposit Starting at $25
Minimum Balance to Earn APY $0

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
Monthly Fee $4.95
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $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
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25

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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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

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 U.S. Bank

Icon for Checking Accounts
View all checking accounts offered by U.S. Bank

Availability

  Available in 28 states
  • 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 Balance to Earn APY $0
Monthly Fee $4.95
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $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
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25
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%

US Bank Safe Debit Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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