Easy Checking
Personal checking with basic banking must-haves
Gold Checking
Extra benefits for U.S. Bank credit card and loan customers
Platinum Checking
Top-tier checking with competitive rates and all the perks (view rates)
Student Checking
Personal checking with features just for students
No monthly maintenance fee
Compare checking accounts
This handy comparison chart gives you a brief look at some features and benefits of our checking accounts, side by side.
Go to comparison chartHow to waive the monthly maintenance fee
- Combined monthly direct deposits totaling $1,000+
- An average account balance4 of $1,500
- The account holder(s) is age 65 or older
- $25,000 in combined personal deposits, credit balances6 with U.S. Bank and/or investments* through U.S. Bancorp Investments
- A personal trust relationship with U.S. Bank Wealth Management
Compare checking accounts
This handy comparison chart gives you a brief look at some features and benefits of our checking accounts, side by side.
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Easy Checking
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Gold Checking
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Platinum Checking
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Student Checking
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Safe debit
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Monthly maintenance fee
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Easy Checking is $6.95 or $0 when the conditions are met
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Gold checking is $14.95 or $0 when the conditions are met
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Platinum Checking is $24.95 or $0 when the conditions are met
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Student Checking is $0 for the monthly maintenance fee.
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Safe Debit's $4.95 monthy maintenance fee can't be waived.
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How to waive the monthly maintenance fee
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Easy checking has No monthly maintenance fee with one of the following:
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Gold Checking has No monthly maintenance fee with an open U.S. Bank personal loan, line or credit card.5
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Platinum Checking has No monthly maintenance fee with one of the following:
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Student Checking has No monthly maintenance fee
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Safe Debit's Monthly maintenance fee can't be waived
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No ATM Transaction fees for Non-U.S. Bank ATM Transactions2
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2 per statement period
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no limit
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4 per statement period
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No surcharges at more than 28,000 MoneyPass ATMs2
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Earns interest7
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Why U.S. Bank? Its's all about access.
No matter which account you choose, you’ll have access to the tools and support you want.
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