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Following are the variations mentioned in guide.

4 stack:

As per the regular design ask.

Interest earning

Get rewards and essentials with U.S. Bank SmartlyTM 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
Apply now
Learn more

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

6 stack:

With a new image component and accordian. 

Interest earning

Get rewards and essentials with U.S. Bank SmartlyTM 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 money1, set alerts and more2, 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

FAQ

You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID.

Learn more

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 big purchase. It’s often beneficial to have both as part of your financial plan.

Learn more
Apply now
Learn more

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.

FAQ

You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID.

Learn more

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 big purchase. It’s often beneficial to have both as part of your financial plan.

Learn more
Apply now
Learn more
Start of disclosure content

  1. U.S. Bank Altitude Go Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 3 Bonus Points (4 Points total) for every $1 on restaurant, fast-food restaurant and bar purchases. IMPORTANT CHANGE: Effective April 14, 2025, you will earn 3 Bonus Points (4 Points total) for every $1 on your first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases. You will earn 1 Bonus Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging station (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. IMPORTANT CHANGE: Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected

  2. You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited you will not receive the accrued interest.

  3. Visa (2018), Infrequent Travelers Analysis, Internal U.S. Bank report: unpublished.

  4. Visa (2018), Infrequent Travelers Analysis, Internal U.S. Bank report: unpublished.

  5. Visa (2018), Infrequent Travelers Analysis, Internal U.S. Bank report: unpublished.

  6. Visa (2018), Infrequent Travelers Analysis, Internal U.S. Bank report: unpublished.