Earn more on your money with Bank Smartly® Savings, the relationship savings account with competitive rates that grow as your total deposit balances grow. Unlock higher rates and better benefits when you add a Bank Smartly® Checking or eligible account.
Calculate your rate to see how it increases as your deposits grow. Your options update according to the information you provide.
The Annual Percentage Yield (APY) and interest rates are effective as of .
Estimate how much you’ll maintain in your new savings account.
For higher relationship rates, you’ll need a U.S. Bank Smartly® Checking, Safe Debit or Bank Smartly™ Visa Signature® Card account. Do you have one?
Select your answers and calculate your rate to see how your savings rate grows.
Boost your savings rate and access greater benefits when you add a Bank Smartly® Checking to your Bank Smartly® Savings account. Plus, you'll get digital financial tools to help you save and no monthly maintenance fees on your savings account.
Bank Smartly® Savings gives you access to our easy-to-use digital budgeting tools to help you monitor all your accounts (even ones at other banks) and set clear financial goals.
Set multiple savings or investment goals and use our convenient mobile app to monitor your spending and help you decide when it's time to move money around.
Automate your savings to stash away a little (or a lot) with every paycheck. As your balance grows, you may be able to earn higher rates. Set up recurring transfers when you switch your direct deposit in minutes.
Pay $5 or $0 monthly maintenance fees. Waive fees in multiple ways.2
Enjoy $0 ATM transaction and surcharge fees at U.S. Bank ATMs.3
Set up recurring transfers to help you grow your balances automatically.
Access free account e-statements online anytime.
Receive $0 overdraft protection transfer fees using an eligible linked U.S. Bank deposit account.4
Set account alerts for email or text message reminders.5
Yes. Another way to get a higher savings interest rate is to pair your Bank Smartly® Checking or Safe Debit account with your Bank Smartly® Savings account. This unlocks higher relationship rates that grow as your total account balances grow. Opening an account is fast and easy.
Bank Smartly® Savings offers competitive rates right from the start, even without any other U.S. Bank account. However, to enjoy higher yields on your savings, you'll need a Bank Smartly® Checking or Safe Debit account.
The minimum balance for opening a Bank Smartly® Savings account is $25. Quickly and easily open a U.S. Bank Smartly® Savings account online or at your local branch in minutes. Apply now or schedule an appointment.
A typical savings account earns a modest amount of interest on the money you deposit. A relationship savings account earns you a higher interest rate when you have more than one type of savings, checking or investment account at the bank. For example, when paired with a checking account, you'll earn a higher interest rate on your Bank Smartly® Savings Account.
Yes, you can easily open a U.S. Bank Smartly® Savings account online in just minutes. Get started with an opening deposit of $25.
Yes, you can use your U.S. Bank Smartly® Savings account with a debit card. U.S. Bank has one of the largest networks of ATMs in America. And there are no ATM transaction or surcharge fees at any U.S. Bank ATM.
Teaching your kids about money is an important part of being a parent. To open their own savings account the minor must be age 13 through 17. If the child is under 13, opening a joint account can help them learn about saving, budgeting and spending responsibly.
Yes. You can open a joint savings account online by selecting the joint option when applying. Opening a joint account with your child is a smart way to teach them financial responsibility. Select U.S. Bank checking and savings accounts offer special benefits for Youth ages 13 through 17.
Interest rate tiers or levels determine the balance amount that will trigger a higher interest rate on your savings account. See the current Bank Smartly® Savings account interest rates.
A savings account offers many advantages, including earning interest on your money, liquidity (meaning you have access to the funds if an emergency or short-term need arises) and financial peace of mind in the event of an unforeseen emergency. In addition, a U.S. Bank savings account is FDIC-insured, ensuring your money is safe and secure. You’re covered under the standard deposit insurance coverage limit of $250,000 per depositor, per ownership category, per FDIC-insured bank.6 U.S. Bank gives you multiple ways to easily save a little extra for the future.
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