Online checking account | Open a checking account | U.S. Bank (2025)

For ZIP

Find a checking account made for you.

Manage your day-to-day spending and get the online banking tools you need to help reach your goals, big or small.

Online checking account | Open a checking account | U.S. Bank (1)

No matter what you choose, you’ll get:

Top-rated digital tools

Enjoy mobile check deposit, account alerts, financial insights and more.

Fraud protection

You’re protected with the industry’s strongest available encryption.

National ATM network

Avoid ATM fees1 with one of the largest ATM networks in America.

Explore your options.

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

Special programs with extra benefits

Online checking account | Open a checking account | U.S. Bank (2)

Military banking

Get benefits exclusively for veterans, active military members and military families.

Explore military banking benefits

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Student banking

If you’re 13 through 24 years old, we’ve got special account benefits and features just for you.

Learn about student banking

Frequently asked questions

Find out what personal information you’ll need to open a U.S. Bank checking account online.

Get the details

See the few requirements and personal information you’ll need, plus simple directions.

Get the details

Learn what the general requirements are and what personal information you’ll need to provide.

Get the details

Get started automatically depositing your paychecks or Social Security payments into your bank account.

Learn how

Find an example of a filled-out check along with detailed instructions and how to find your routing number.

See an example

Ready to get started?

Search locations
Log in
Call 800-872-2657
Make an appointment

Start of disclosure content

Footnote

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Disclosures

  1. ATM Transaction Fee. U.S.Bank will assess this fee for each ATM Transaction conducted at the Non-U.S.Bank ATM. Non-U.S.Bank ATMs are defined as any ATM that does not display the U.S.Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge. Non-U.S.Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs.U.S.Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass® ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information(PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  2. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement(PDF) section titled Overdraft Protection Plans for additional information.

  3. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S.Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S.Bank ATMs, check deposits in branch and internal transfers from another U.S.Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section ofYour Deposit Account Agreement(PDF) for full funds availability details.

  4. Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle).

    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. Other fees may apply.

    Please refer to the Consumer Pricing Information disclosure for more details.

  5. 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.

  6. We will not charge you an Overdraft Paid Fee, but you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive.

Start of disclosure content

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., member FINRAandSIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# 0E24641.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services, performance or obligations of its affiliates.

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.

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Online checking account | Open a checking account | U.S. Bank (2025)

FAQs

Can you open a checking account online at U.S. Bank? ›

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 checking account online without going to the bank? ›

With the power of technology, opening a checking account online can now happen from the comfort of your own home. Another plus? It can save you a trip to the bank. Here's how you can open a checking account online so you can start managing your available funds.

What is the easiest bank account to open online? ›

What are some of the easiest bank accounts to open online?
5 easiest bank accounts to open online
BankAccountUse of ChexSystems
ChimeChime Online Checking AccountNo ChexSystems
DiscoverDiscover Cashback DebitChexSystems pulled
SoFi Bank, N.A. (Member FDIC)SoFi Checking and SavingsChexSystems pulled
2 more rows
Jul 26, 2024

What is the minimum balance for a U.S. Bank checking account? ›

Pay $6.95 or $0 monthly maintenance fees if you meet any of these requirements. Easily get your monthly maintenance fees 2 waived with one or more of these: Average account balance of $1,500 or greater.

Can I open a U.S. Bank account without going to the bank? ›

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. A valid, government-issued photo ID like a driver's license, passport or state or military ID.

Is online banking available with U.S. Bank? ›

Bank online to manage your money from anywhere.

Make everyday banking simple with the U.S. Bank Mobile App and online banking. Or text GET APP to 872265 to receive a download link.

Which bank account can be opened online instantly? ›

Easiest Bank Accounts to Open Online
AccountTime To ApplyMonthly Fee
Discover Cashback Debit Account Open Account5 minutes$0
Ally Spending Account Open Account5 minutes$0
Betterment Checking Open AccountA few minutes$0
Key Smart Checking® Open Account5 minutes$0
5 more rows
Jul 15, 2024

Which bank allows online account opening? ›

HDFC Bank's InstaAccount journey is a fully digital, no contact process that helps you open a savings account. Be it our Regular Savings Account or our premium SavingsMax account, open it instantly from the comfort of your home.

Why can't I open a bank account online? ›

Common reasons consumers are turned down for a bank account include a history of overdrafts, unpaid bank fees or suspected fraud. Applications can also be denied due to mistakes on one's checking account report. If you've been denied a bank account, ask the bank why this happened.

What is the easiest bank to get approved for online? ›

What are the easiest bank accounts to open online?
BankBest forTime to apply
Chime 4Bad creditUnder 5 minutes
ChaseHigher balancesAbout 10-15 minutes
CurrentDebit card rewardsAbout 5 minutes
AllyEarning interestAbout 5 minutes
12 more rows

Can I open a bank account online without going into a branch? ›

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.

Can I open a bank account online without visiting a branch? ›

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.

Which U.S. Bank can I open online? ›

Our Rankings of Easy Online Checking Accounts With Mobile Deposit
AccountTime to ApplyCredit Check
Chime2 minutesNone
Revolut5 minutesNone
Capital One5 minutesNone
Current5 minutesNone
2 more rows

Does U.S. Bank do credit check open checking account? ›

You don't need a certain credit score to open a U.S. Bank checking, savings or money market account, as there is no credit score requirement. U.S. Bank does not require a credit score for these accounts because they are deposit accounts, not loans or lines of credit.

Is the U.S. Bank good for checking accounts? ›

U.S. Bank could be a good option if you live in the Midwest or West Coast and want to open a checking account at a national bank. But keep in mind the U.S. Bank Safe Debit account doesn't waive monthly service fees, and U.S. Bank Smartly® Checking has a monthly service fee if you do not meet certain requirements.

Can I open a bank account online without going to the bank Bank of America? ›

You can apply for a Bank of America checking account online or at a financial center, with a few exceptions. If you're applying with someone under age 13, you must apply at a financial center. Otherwise, you can apply online.

What is the minimum opening balance for a checking account at Bank of America? ›

Bank of America Advantage SafeBalance Banking

The account has a $25 minimum opening deposit and a $4.95 monthly maintenance fee. You can have the fee waived if you're a you meet one of these requirements: Preferred Rewards member.

Does U.S. Bank use Zelle? ›

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®.

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