You can apply online for a checking 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.
- A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.
Checking account resources
Our featured accounts:
U.S. Bank Smartly®Checking account
An interest-bearing checking account that’s eligible for Smart Rewards®
Monthly maintenance fee
$6.95 or $0
There are multiple ways to get the monthly maintenance fee waived.1
Apply now Learn more
Safe Debit account2
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
Want to open a checking account in person?
You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S.Bank representative at800-398-0371to ensure you have everything you need to open a checking account or other bank account.
Ready to apply?
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Footnote
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Disclosures
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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(PDF) disclosure for more details.
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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 Conditions(PDF) and Safe Debit Account Pricing and Information(PDF) guide for details. Refer to Your Deposit Account Agreement(PDF) and the Consumer Pricing Information(PDF) disclosure for a summary of fees, terms and conditions that apply.
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Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.
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Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges.Please be advised that the alerts may not be sent immediately.
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Deposit products are offered by U.S. Bank National Association. Member FDIC.
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
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Minneapolis, MN 55402
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As an expert in banking and financial services, I have a deep understanding of the concepts related to bank accounts, checking accounts, and the process of opening a checking account online. My expertise is grounded in a comprehensive knowledge of the industry, including the various types of accounts offered, account requirements, and the application procedures involved. Let me break down the key concepts mentioned in the provided article:
Bank Accounts:
A bank account is a financial arrangement between a customer and a financial institution that allows the customer to deposit and withdraw money. Bank accounts come in various types, such as savings accounts, checking accounts, and business accounts.
Checking Accounts:
A checking account is a type of bank account that provides easy access to deposited funds for everyday transactions. It typically comes with features like checks, debit cards, and online banking. Checking accounts may have associated fees, such as monthly maintenance fees.
How to Open a Checking Account Online:
The article outlines the steps to open a checking account online. To initiate the process, individuals must be 18 years or older and legal U.S. residents. The required information includes:
- Social Security number
- Valid, government-issued photo ID (driver’s license, passport, state or military ID)
- Minimum opening deposit of $25, payable through various methods (credit, debit, prepaid card, transfer from another U.S. Bank account, or transfer from another financial institution).
U.S. Bank Checking Account Resources:
The article introduces different types of checking accounts offered by U.S. Bank, including:
-
U.S. Bank Smartly® Checking account: An interest-bearing checking account eligible for Smart Rewards®. It may have a monthly maintenance fee, but there are ways to have it waived.
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Safe Debit account: A checking account without checks and no overdraft fees. It has a fixed monthly maintenance fee.
Choosing a Savings or Checking Account:
The article provides information on how to pick a savings or checking account and highlights featured accounts, such as the U.S. Bank Smartly® Checking account and Safe Debit account.
Applying In-Person:
For those who prefer in-person service, the article suggests visiting any U.S. Bank branch to open a checking account. It mentions the need for identification and personal details.
Fee Waivers:
The article outlines conditions under which the monthly maintenance fee can be waived, including military status, age categories, and meeting specific criteria like direct deposits or maintaining a minimum average account balance.
Additional Information:
The article includes important disclosures related to fees, terms, and conditions associated with the accounts, such as the Safe Debit Account limitations and eligibility requirements.
In conclusion, my expertise in banking allows me to provide a thorough understanding of the concepts covered in the article, ensuring that individuals are well-informed when considering opening a checking account online with U.S. Bank.
