Checking accounts | Open a Personal Checking Account | U.S. Bank
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Ways to waive the monthly maintenance fee

Easy Checking

Have combined monthly direct deposits totaling $1,000+.

Keep an average account balance2 of $1,500.

The account holder(s) is age 65 or older.

Gold Checking

Have an open U.S. Bank personal loan, line or credit card.3

Platinum Checking

Have $25,000 in combined personal deposits, credit balances4 with U.S. Bank and/or investments* through U.S. Bancorp Investments.

Have a personal trust relationship with U.S. Bank Wealth Management.

The account holder is a current or former member of the Armed Forces. Learn how U.S. Bank supports those who serve.

All our checking accounts include:

  • Branches in more than 25 states
  • One of the largest ATM networks in America
  • No surcharges at MoneyPass® Network ATMs5
  • Find a Branch or ATM near you in the app or at

Narrow your options

Want help choosing the right account?

No problem. Just answer a few questions to see what account might work for you.

Compare accounts side by side.

Choose the accounts you want to compare and see all of their benefits and features.

Need more information about bank accounts? We’re happy to help.

What is a checking account?

There are many bank accounts where you could put your money. But which is the best for your situation? Figure it out with a little help from our Money Mentor series.

Opening a bank account for the first time

You’re ready to open your first bank account! But you have a few questions. Take a scroll through our infographic for the things you’ll need and numbers to know.

How to practice mindful spending

Whether you’re a financial pro or just starting out in your money journey, mindful spending habits will keep you on the right track – especially in an ever-changing economy.

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