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.
  • A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.

Our featured accounts:

Easy Checking

Personal Checking with basic banking must-haves

Monthly maintenance fee

$6.95 or $0

How to waive the fee

Apply now Learn more

Gold Checking

Extra benefits for U.S. Bank credit card and loan customers

MONTHLY MAINTENANCE FEE

$14.95 or $0

How to waive the fee

Apply now Learn more

Platinum Checking

Top-tier checking with competitive rates and all the perks (view rates)

MONTHLY MAINTENANCE FEE

$24.95 or $0

How to waive the fee

Apply now Learn more
View all checking accounts Apply online

Want to open a checking account in person? 

You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S. Bank representative at 800-398-0371 to ensure you have everything you need to open a checking account or other bank account.

Find a branch

Checking account resources

U.S. Bank Smartly™ Checking account Safe Debit account Business checking How do I pick a savings or checking account?

Ready to apply?

Apply online
Visit a branch
Schedule an appointment
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Disclosures

  1. Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

  2. Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

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