Open a Safe Debit Account1, the streamlined debit account with a wealth of features to help you mind your money wisely.
Bank with confidence and no overdraft fees. Apply in minutes.
These Safe Debit Account1 benefits are all the tools you need to make banking a breeze.
Because we keep it simple, you get just what you need:
With a debit card, you're less likely to overdraw on your account. But in case you do, there are no overdraft charges.3
Set up account alerts to notify about low balances or unusual activity.
Use the U.S. Bank Mobile App to track your spending categories and set up alerts to monitor your balances.
Take advantage of free credit reporting4 tools to:
Use our goal planner to help you estimate how much you’ll need for your next passion project, special trip, down payment on a home, or new addition to the family.
Use the Money Tracker tool, along with personalized insights, to monitor your spending across all your accounts as you save for the future.
Whether your child is off to college or moving up to high school, now’s the best time for them to build a solid financial foundation. A Safe Debit Account1 can help.
If they’re 18 years or older, they can apply individually or jointly. To open a joint account online, have them simply select the Joint option when applying.
Here’s what they’ll need to open an account online.
If they’re 13 to 17 years old, they may open a Safe Debit Account1 jointly with an adult. They’ll need to do so together online or in person at a branch.
Find a local branch or schedule an appointment.
We're an FDIC insured bank, which means you may be covered up to $250,000.5
It’s also protected with the industry’s strongest available encryption.
Zero fraud liability for unauthorized transactions.
Plus, you can set up account alerts to notify you about any unusual activity.
All the fine print you're looking for in one transparent, non-fine print list:
U.S. Bank Safe Debit Account has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2016.
A Safe Debit Account helps you manage your money, and gives you the tools to track your spending, monitor your credit, and start building a solid financial future. Get started with an initial deposit of $25.
Apply online in minutes.
Add money to your account with an online transfer or at a branch.
Use your Visa®Debit Card for purchases or our thousands of ATMs to access cash.
A checkless checking account is a debit account that, as the name suggests, does not use checks. When account holders want to make a purchase, they typically use either bank-issued debit cards or cash. Checkless checking accounts like the U.S. Bank Safe Debit Account1 can reduce the risk of overspending and therefore do not need overdraft protection or the associated fees.
A Safe Debit Account1 allows you to deposit money into your account in the same ways that you would with any U.S. Bank checking account. Easily add money to your account by either using one of our thousands of ATMs, going into a nearby bank branch, or by making a mobile check deposit6 using the U.S. Bank mobile app.
Promptly notify the U.S. Bank Fraud Liaison Center at 877-595-6256 of the loss, theft or unauthorized use of your card or PIN. You may also notify the bank in person at any U.S. Bank branch.
Online banking allows you to easily access your Safe Debit Account1 and all its benefits through your mobile browser on your smartphone. The U.S. Bank mobile app delivers a similar seamless experience with additional features like our Smart Assistant to help you manage your money quickly and securely.
A Safe Debit Account1 offers special benefits to Young Adults ages 18 through 24 and Youth ages 13 through 17. Young Adults may apply for an account individually or jointly. Youth must apply jointly with an adult.
You can quickly and easily access your Safe Debit Account1 and any of your U.S. Bank accounts by opening a mobile browser on your smartphone and going to www.usbank.com to log in. Or for a more robust experience, download the U.S. Bank mobile app.
Yes, that’s a great idea. You can easily set up notifications through online banking and the mobile app that remind you of low balances and alert you to any unusual activity.
A credit score is a three-digit number that rates your creditworthiness. In the United States, there are two main types of credit scores — FICO® and VantageScore®. Although these agencies formerly had different scales, they have recently aligned to range from 300 to 850. The higher the score, the more likely you are to get approved for loans and get better rates. A Safe Debit Account1 and access to the TransUnion® CreditView™ Dashboard can help you manage your credit score.
Yes. With our automated setup, enrolling in direct deposit is easy:
A Safe Debit Account1 is a checkless account, but you do have the option of purchasing a money order at a discounted rate for $1.65. If you will be needing checks frequently or if you’re interested in joining Smart Rewards®, please consider our Bank Smartly Checking® account.
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