Online checking account | Open a checking account | U.S. Bank (2024)

Find a checking account made for you.

Manage your day-to-day spending and get the online banking tools you need to help reach your goals, big or small.

Online checking account | Open a checking account | U.S. Bank (1)

No matter what you choose, you’ll get:

Top-rated digital tools

Enjoy mobile check deposit, account alerts, financial insights and more.

Fraud protection

You’re protected with the industry’s strongest available encryption.

National ATM network

Avoid ATM fees1 with one of the largest ATM networks in America.

Explore your options.

Interest earning

Get rewards and essentials with U.S. Bank Smartly® Checking.

Why it may be right for you

You want it all – overdraft protection tools, rewards for growing your money and the option to use checks.

Benefits:

  • Banking essentials + rewards. Transfer money, set alerts and more, plus get access to Smart Rewards®.
  • Overdraft protection tools. $50 overdrawn available balance threshold, overdraft protection2 and Overdraft Fee Forgiven3
  • Waive monthly maintenance fee. Fee of $6.95 can be waived in multiple ways.4

No overdraft fees

Stay in control of your money with a Safe Debit account.5

Why it may be right for you

You want tools to help manage your money and build credit, no overdraft fees and you don’t need checks.

Benefits:

  • Banking essentials. Directly deposit paychecks, lock a lost card, pay bills for free and more.
  • No overdraft fees.6 In most situations a transaction more than your balance won’t go through. If it does, there’s no fee.
  • No surprise fees. Pay a $4.95 monthly maintenance fee with no minimum balance penalty.

Apply now

Learn more

Special programs with extra benefits

Online checking account | Open a checking account | U.S. Bank (2)

Military banking

Get benefits exclusively for veterans, active military members and military families.

Explore military banking benefits

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Student banking

If you’re 13 through 24 years old, we’ve got special account benefits and features just for you.

Learn about student banking

Frequently asked questions

Find out what personal information you’ll need to open a U.S. Bank checking account online.

Get the details

See the few requirements and personal information you’ll need, plus simple directions.

Get the details

Learn what the general requirements are and what personal information you’ll need to provide.

Get the details

Get started automatically depositing your paychecks or Social Security payments into your bank account.

Learn how

Find an example of a filled-out check along with detailed instructions and how to find your routing number.

See an example

A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check.

A savings account is meant to help you grow your money or set aside funds for a specific goal, such as a large purchase or an emergency fund. All U.S. Bank savings accounts accrue interest.

A money market account is a cross between a checking and a savings account. It offers the debit card and check-writing features of a checking account with the interest-bearing nature of a savings account only with higher interest rates.

A certificate of deposit (CD) account offers a higher interest rate than a traditional savings account, but you must leave your money untouched for an agreed upon time. This time period is known as the term length. If you withdraw your funds before the term is done, you usually need to pay an early withdrawal penalty and/or fee.

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Start of disclosure content

Footnote

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Disclosures

  1. ATM Transaction Fee. U.S.Bank will assess this fee for each ATM Transaction conducted at the Non-U.S.Bank ATM. Non-U.S.Bank ATMs are defined as any ATM that does not display the U.S.Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge: Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information(PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  2. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement(PDF) section titled Overdraft Protection Plans for additional information.

  3. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S.Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S.Bank ATMs, check deposits in branch and internal transfers from another U.S.Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section ofYour Deposit Account Agreement(PDF) for full funds availability details.

  4. Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or presence ofan eligiblepersonalU.S.Bank credit card; or qualify for one of the four Smart Rewards®tiers (Primary, Plus, Premium or Pinnacle).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to theConsumer Pricing Information(PDF) disclosure for more details.

  5. Safe Debit Account is subject to certain account limitations and eligibility requirements, including the use of bill pay and Mobile Check Deposit. Please refer to the U.S.Bank Safe Debit Account Terms and Conditions(PDF) and Safe Debit Account Pricing and Information(PDF) guide for details. Refer to Your Deposit Account Agreement(PDF) and the Consumer Pricing Information(PDF) disclosure for a summary of fees, terms and conditions that apply.

  6. We will not charge you an Overdraft Paid Fee, but you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive.

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Deposit products are offered by U.S.Bank National Association. Member FDIC.

By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

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Online checking account | Open a checking account | U.S. Bank (2024)

FAQs

Can you open a checking account online at US Bank? ›

You can apply online for a checking account if you're 18 years or older and a legal U.S. resident. You'll need the following information: Your Social Security number. A valid, government-issued photo ID like a driver's license, passport or state or military ID.

Can I open a bank account online and use it right away? ›

Generally, yes. You can open a checking account online in just a few minutes with an online bank or credit union or with traditional banks and credit unions that offer online banking and checking accounts. The funds in your new account may take a few days to process, though.

Is it possible to open a checking account online? ›

With the power of technology, opening a checking account online can now happen from the comfort of your own home. Another plus? It can save you a trip to the bank. Here's how you can open a checking account online so you can start managing your available funds.

What bank is the easiest to open a checking account online? ›

The financial institutions we recommend with the easiest bank accounts to open online include Discover® Bank, SoFi, U.S. Bank, and Bank of America. We especially like how Discover and SoFi stand out from the crowd with their focus on online and mobile banking.

Can you open a U.S. Bank account with bad credit? ›

If you have a poor credit score, your bank could see you as higher risk, which can affect your eligibility for opening a new account. However, this score is just one of many other factors considered when you apply for a bank account.

What is the $300 bonus at U.S. Bank? ›

You'll earn a $100 bonus if the combined total of your deposits is $3,000 to $4,999.99; a $300 bonus if the combined total is $5,000 to $9,999.99; a $500 bonus if the combined total is $10,000 or more. Direct deposits are generally made by your employer or government benefits provider. Receive your bonus.

Is it better to open a bank account online or in a bank? ›

Fees are the biggest drawback of brick-and-mortar banks, which have more overhead than online-only institutions. Monthly service fees alone average $15.33 for interest checking accounts, according to Bankrate's 2023 checking account and ATM study, with the average minimum required to avoid the fee at $8,684.

How long does it take to open a checking account online? ›

Unfortunately, the answer is “it depends.” If you're opening an account online and you've gathered all your materials beforehand, you may be able to complete an application within 10 to 15 minutes (or less). Processing your application and issuing your account number could take a day or two.

What is the easiest bank to get approved for? ›

In general, we think Chime is the easiest bank account to open online. It gives you a mobile financial app and debit card within normally two days— with a two-minute application process and no credit check!

Can you open a checking account immediately? ›

Opening a bank account is generally a fast process that can take anywhere from a few minutes to a few days, depending on the financial institution and the type of account. Most banks can open accounts on the same day when you apply in person.

What is the minimum balance for US bank? ›

Maintain a $300 minimum daily balance. Have a $1,000 average monthly collected balance. Hold the account with an individual age 12 and under. Open a U.S. Bank Smartly ® Checking account and enroll in the Smart Rewards ® Primary tier or above.

Why can't I open a bank account online? ›

Common reasons consumers are turned down for a bank account include a history of overdrafts, unpaid bank fees or suspected fraud. Applications can also be denied due to mistakes on one's checking account report. If you've been denied a bank account, ask the bank why this happened.

What bank gives the most for opening a checking account? ›

The 10 best checking account bonuses for April 2024: earn up to $700
Bank & accountBonus amountTime frame for deposits
U.S. Bank: Smartly Checking Account$50090 days
Huntington National Bank: Perks Checking Account$40090 days
Axos Bank: Rewards Checking$30030 days
Chase: Chase Total Checking$30090 days
6 more rows

What bank does not use Chexsystems? ›

Summary: Best Banks That Don't Use ChexSystems
Bank / Credit UnionForbes Advisor RatingLEARN MORE
Capital One 360 Checking Account4.5
Chime® Checking Account4.4Learn More On Chime's Website
LendingClub Bank Rewards Checking4.2Learn More Read Our Full Review
Varo Bank Account4.1Learn More Read Our Full Review
1 more row
Apr 3, 2024

What online stores accept routing and account number? ›

Here are some popular options:
  • Amazon: Amazon is one of the largest online retailers that accepts payments with checking account numbers. ...
  • Walmart: Walmart, a multinational retailer, allows customers to pay with their checking account numbers. ...
  • Google Express: Google Express is an online store similar to Amazon.

Can I open a bank account online without going to the bank? ›

Yes, it's safe to open a bank account online. Your financial safety is important, and banks have measures in place to make opening a bank account online just as safe as doing so in person.

Do you have to make an appointment at U.S. Bank to open a checking account? ›

Some of our locations require appointments. Even for those that don't, we encourage you to schedule one. Making an appointment lets you avoid potentially long wait times and allows our bankers to serve you better. See, How do I schedule an appointment at a U.S. Bank branch?

Which USA bank can I open online for free? ›

Bankrate's picks for the top free checking accounts
  • Discover Bank, Cashback Debit Account: Earns 1% cash back on eligible debit card purchases, $0 minimum deposit.
  • NBKC Bank, Everything Account: 1.75% APY; $0 minimum opening deposit.
  • Ally Bank, Interest Checking Account: 0.10%-0.25% APY; $0 minimum opening deposit.

Is the U.S. Bank good for checking accounts? ›

U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support.

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