If you’re planning on opening a new checking account, U.S. Bank has checking account options that will surely meet your banking needs in an account. Choose between three options: Easy Checking, Gold Checking, or Platinum Checking accounts.
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U.S. Bank Checking Accounts
Account Type: Platinum Checking, Gold Checking, Easy Checking- Availability: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
- Monthly Fee: $6.95-$24.95; see below on how to waive the fees
- Early Termination Fee: None listed
U.S. Bank Easy Checking Features
- Minimum opening deposit: $25
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Mobile and online banking with free credit score access
- Pay no overdraft protection transfer fees when the transfer is made from a linked U.S. Bank consumer savings, money market or secondary checking account
- Bill pay
- Email and text alerts
- U.S. Bank Visa® Debit Card
- Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
(about the Easy Checking account)
U.S. Bank Gold Checking Features
- Minimum opening deposit: $25
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Pay no overdraft protection transfer fees when the transfer is made from a linked U.S. Bank consumer savings, money market or secondary checking account
- Mobile and online banking with free credit score access
- Bill pay
- Email and text alerts
- U.S. Bank Visa® Debit Card
- Two Easy Checking accounts with no monthly maintenance fees
- Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
(about the Gold Checking account)
U.S. Bank Platinum Checking Features
- Minimum opening deposit: $25
- Bank in-person, online or in-app
- One of the largest ATM networks in the US
- Overdraft protection transfer, without the fees
- Mobile and online banking with free credit score access
- Bill pay
- Email and text alerts
- U.S. Bank Visa® Debit Card
- 50% off annual Safe Deposit Box rental fee
- Earns Interest
- No ATM Transaction fees
- Get your initial box of U.S. Bank logo checks free
- Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
(about the Platinum Checking account)
How To Avoid Monthly Fees
Easy Checking account:
This is a basic checking account offered by U.S. Bank that includes standard features that is available in all of their checking packages – this includes mobile and online banking and a Visa debit card.
- The Easy Checking account does come with a $6.95 monthly maintenance fee that can be waived with:
- Combined monthly direct deposits totaling $1,000+, OR
- Average account balance of $1,500, OR
- Account holder(s) age 65 or greater
Gold Checking:
This account comes with standard features such as mobile and online banking and a Visa debit card in addition to extra benefits for U.S. Bank credit card and loan customers.
These benefits include no ATM fees at U.S. Bank ATMs & no fees on your first two transactions per statement period at non-U.S. Bank ATMs.
- The Gold Checking account comes with a $14.95 monthly maintenance fee that can be waived with:
- An open U.S. Bank personal loan, line of credit or credit card (excluding U.S. Bank Reserve Line of Credit and Student Loans)
Platinum Checking:
This is U.S. Bank’s top-tier checking account offering the best rates and rewards along with many other features like paying no ATM transaction fees for non-U.S. Bank ATM transactions, ways to waive overdraft fees, no-fee overdraft protection transfers, waived paper statement fees, personal check discounts, family member accounts, and more!
- The Platinum Checking account does come with a $24.95 monthly maintenance fee that can be waived with:
- $25,000 in combined personal deposits, credit balances with U.S. Bank and/or investments through our affiliate, U.S. Bancorp Investments. Or, through a personal trust relationship with U.S. Bank Wealth Management
Conclusion
If you’re looking to open a new checking account and stuck on which bank to go with, U.S. Bank is a great fit with checking accounts to meet your needs.
Looking to open a business checking account? If so, see our review on business checking accounts from U.S. Bank.
Find all U.S. Bank bonuses here and our full list of Bank Bonuses for all your banking needs!
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