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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.
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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.
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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.
Safe Debit Account is subject to certain account limitations and eligibility requirements, including the use of bill pay and Mobile Check Deposit. Please refer to theU.S. Bank Safe Debit Account Terms and ConditionsandSafe Debit Account Pricing and Informationguide for details. Refer toYour Deposit Account Agreementand theConsumer Pricing Information (PDF)disclosure for a summary of fees, terms and conditions that apply.
The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period.
Gold Monthly Maintenance Fee waiver – Qualifying accounts include U.S.Bank Personal Line of Credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and activated credit cards. U.S.Bank Reserve Line of Credit and student loans are excluded. Mortgage and credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details.
Combined deposit, investment and credit balances – Combined deposit balances include the average monthly collected balances for U.S. Bank personal checking, savings, money market and IRA accounts and CDs. Outstanding credit balances include balances on U.S. Bank personal line of credit, home mortgages, home equity loans and lines of credit, personal and purpose loans and credit cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period with U.S. Bancorp Investments.
If a non-U.S.Bank ATM Transaction fee applies,U.S.Bank will assess a fee for each ATM Transaction conducted at the Non-U.S.Bank ATM. Please refer to theConsumer Pricing Information (PDF) disclosure for a summary of ATM Transaction fees. Additionally, Non-U.S.BankATM owners may apply a surcharge fee unless they participate in the MoneyPass®Network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in theATM locator.
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Refer to Your Deposit Account Agreementand the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.
Investment and insurance products and services including annuities are: Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency.
U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
For U.S. Bancorp Investments:
Investment and insurance products and services including annuities are available through U.S.Bancorp Investments, the marketing name for U.S.Bancorp Investments, Inc., memberFINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S.Bancorp and affiliate of U.S.Bank.
For U.S. Bank:
U.S.Bank is not responsible for and does not guarantee the products, services or performance of U.S.Bancorp Investments, Inc.
Mortgage, home equity and credit products are offered by U.S.Bank National Association. Deposit products are offered by U.S.Bank National Association. Member FDIC.
Deposit products are offered by U.S.Bank National Association. Member FDIC.
If you don't have an account with us or want to apply without logging in, follow these steps: Navigate to usbank.com, select Personal at the top and choose Bank accounts.Select Bank Smartly Checking Account.Then choose Open an account.
Can I open a bank account without going into the bank? Yes, you can open a bank account online without ever going into a bank branch. With an online bank or account, you mostly manage your money through the bank's website and mobile app, though you can often call customer support for additional help.
Is it possible to open a US bank account online as a non-resident? No.Most big traditional US banks will require non-residents to apply for an account in person. That means you have to travel to the US and walk into a bank branch to set up your account.
You can apply online for a U.S. Bank Smartly ®1 Checking or Safe Debit 2 account if you're 18 years or older and a legal U.S. resident. You'll need the following information: Your Social Security number.
Open a Savings Account Online with HDFC Bank to enjoy Exclusive Benefits. Start your banking journey with HDFC Bank's Savings Account, explore a wide range of features & benefits with exclusive deals available with different account variants.
You can send, request or receive money with Zelle®. To get started, log in to the U.S. Bank Mobile App or online banking and navigate to Send money with Zelle®.
You can seamlessly open an IDFC FIRST Bank Savings Account both online and offline. To open a savings account online in less than two minutes, click here.
Yes, this step is also very easy and saves a lot of time. For opening Savings Account online, all you need is a mobile number for initiating the process. One just needs to submit the application and attach documents online instead of going to the bank yourself.
Some of our locations require appointments. Even for those that don't, we encourage you to schedule one. Making an appointment lets you avoid potentially long wait times and allows our bankers to serve you better. See, How do I schedule an appointment at a U.S. Bank branch?
Does US bank give you a debit card right away? US Bank will give you a simple ATM card upon account opening. Your Visa debit card will arrive in the mail a few days later.
Introduction: My name is Francesca Jacobs Ret, I am a innocent, super, beautiful, charming, lucky, gentle, clever person who loves writing and wants to share my knowledge and understanding with you.
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