U.S. Bank

FDIC-insured · certificate 6548

Savings, money market and checking, with every rate from U.S. Bank’s own pages and every rank against the accounts we track.

Checked Nov 8, 2026Updated Nov 8, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

U.S. Bank Smartly® SavingsSavings account · $25 to open3.50%−$60$5 a month

U.S. Bank Elite Money MarketMoney market account · $100 to open0.05%$0$10 a month

U.S. Personal savings accountSavings accountNot stated—Not stated

U.S. Bank Consumer Money Market accountMoney market accountNot stated—Not stated

U.S. Retirement Money Market accountMoney market account · $100 to openNot stated—None

Against 1043 checking accounts

U.S. Bank Smartly® Checking for young adultsChecking account · $25 to openNot stated#279$12 a month

U.S. Bank Safe Debit AccountChecking account · $25 to openNot stated#516$4.95 a month

U.S. Bank Smartly Checking Safe Debit AccountChecking account · $25 to openNot stated#523$4.95 a month

U.S. Bank Smartly® CheckingChecking account · $25 to open0.00%—$6.95 a month

U.S. Teen checkingChecking account · $25 to openNot stated—None

U.S. Young adult & student checkingChecking account · $25 to openNot stated—None

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

U.S. Bank Smartly® Checking for young adultsChecking account#279 of 1043
U.S. Bank Safe Debit AccountChecking account#516 of 1043
U.S. Bank Smartly Checking Safe Debit AccountChecking account#523 of 1043
U.S. Bank Elite Money MarketMoney market account#90 of 174
Edward Jones® Everyday Solutions Checking powered by U.S. BankChecking account#686 of 1043
U.S. Bank Personal Checking (consumer checking)Checking account#698 of 1043

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.