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  US Bank Student Checking

US Bank Student Checking

in Checking Accounts from US Bank · Member sipc

Unaffiliated

US Bank Student Checking

Unaffiliated

in Checking Accounts from US Bank · Member SIPC

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

US Bank Student Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, US Bank Student Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Free bill pay. Pay your bills to practically anyone in the United States through US Bank.
  • Hard credit pull. US Bank may require a hard pull on your credit report to open a checking account.
US Bank Student Checking Pros & Cons
Pros Cons
  • 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.
  • No signup bonus.
  • Does not earn interest
  • Only available in 28 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
US Bank Student Checking FAQ

Are checking accounts from US Bank federally insured?

No, your US Bank checking accounts are not federally 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 Student Checking offer?

US Bank Student Checking is not an interest-bearing account.

What are the account minimums for US Bank Student Checking?

US Bank Student Checking requires a minimum initial deposit of $25 to open an account.

US Bank Student Checking Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does US Bank Student Checking charge?

The good news is that this account does not have a monthly service charge.

US Bank Student Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $10
Check Copy $2
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee $2
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

What features and perks does US Bank Student Checking offer?

This account includes the following features:

  • Fraud monitoring - US Bank Student Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - US Bank Student Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

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
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $10
Check Copy $2
Check Image Service $2
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee $2
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
Bank Account Features
  • FDIC Member
  • Branch Access
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
  • Student Checking Account

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