Rates from 2.59% to 5.49% APR1
No down payment required

Apply now Learn more

Rates from 2.59% to 5.49% APR1
No down payment required

Apply now Learn more

Rates from 2.59% to 5.49% APR1
No down payment required

Apply now Learn more

Short application
No cost for pre-approval

Apply now Learn more

Personal checking with basic banking must-haves

MONTHLY MAINTENANCE FEE

$6.95 or $0

How to waive the fee

Apply Now Learn More

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

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

Personal checking with features just for students

MONTHLY MAINTENANCE FEE

$0

No monthly maintenance fee

Apply now Learn More

A bank account minus the checks with no overdraft fees

MONTHLY MAINTENANCE FEE

$4.95

Monthly maintenance fee can’t be waived

Apply now Learn More
A pair of hands holding a mobile phone with Access Online mobile app login screen

Manage your card program and expenses from anywhere.

Download the Access Online Mobile App and quickly manage your card program or business expenses no matter where you are.

apple store buttongoogle play button

or text GET APP to XXXXXX to receive a download link

text component

EMV chip card

How to use your U.S. Bank Voyager Mastercard with an EMV® chip

Learn how to correctly use fleet EMV chip cards at point-of-sale devices.

Note: Reg mark is TINY when superscripted and as a result vertical alignment with EMV looks off.

accordion component

Frequently asked questions on how to use your U.S. Bank Voyager Mastercard with an EMV® chip

Note: Reg mark is TINY when superscripted and as a result vertical alignment with EMV looks off.

Step-by-step guide on how to use your EMV®  chip card when you pay at the pump

Gold Checking Package details

Monthly maintenance fee

$0 or $14.95

How to waive the monthly maintenance fee

Your monthly maintenance fee can be waived if you have an open U.S. Bank personal loan, line, mortgage or credit card.1

Enjoy a U.S. Bank Visa® Debit Card, mobile and online banking with mobile check deposit,4 bill pay and more.

Start of disclosure content

Disclosures

  1. Home Equity Line of Credit: Repayment options may vary based on credit qualifications. Choosing an interest-only repayment may cause your monthly payment to increase, possibly substantially, once your credit line transitions into the repayment period. Interest-only repayment may be unavailable. Loans are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. A U.S. Bank personal checking account is required to receive the lowest rate but is not required for loan approval. Customers in certain states are eligible to receive the preferred rate without having a U.S. Bank personal checking account. Interest rate and program terms are subject to change without notice. Credit line may be reduced, or additional extensions of credit limited if certain circumstances occur.

    An early closure fee of 1% of the original line amount, maximum $500, will apply if the line is paid off and closed within the first 30 months. Property insurance is required. Other restrictions may apply. Customer pays no closing costs. Initial escrow related funding costs may apply. An annual fee of up to $75 may apply after the first year and is waived or discounted with an existing U.S. Bank Platinum Checking Package or with enrollment in our Smart Rewards Program. Annual fees are assessed based on the tier in our Smart Rewards Program on your HELOC anniversary date. Please refer to your Smart Rewards terms and conditions for more information on tier assignment.

  2. The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or American Express, and the card is available to United States residents only. American Express is a federally registered service mark of American Express.

Start of disclosure content

Disclosures

U.S. Bank Altitude Connect Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. Net Purchases are Purchases minus credits and returns. In addition, you will earn 5 Points (1 base and 4 bonus Points) for every $1 on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Connect Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the bonus points for that category. You will earn 4 Points (1 base and 3 bonus Points) for every $1 on travel category purchases (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies). You will earn 4 Points (1 base and 3 bonus Points) for every $1 on your first $1,000 each quarter on gas station and electric vehicle charging station purchases (excluding discount stores/supercenters, wholesale clubs and grocery stores/supermarkets). You will earn 2 Points (1 base and 1 bonus Point) for every $1 on purchases in the following categories: restaurant, fast-food restaurant and bar; grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeConnectBenefits 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. Refer to the Rewards Center for full details. 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.

Variable rate account – Interest rates are determined at the bank’s discretion and may change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

vEHICLE