Monthly fee
$12
$0 a year for an everyday customer: fees and interest, $2,000 kept.
U.S. Bank · Checking account
U.S. Bank Smartly® Checking for young adults
$0 a year for an everyday customer. $12 a month. $25 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · usbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · usbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#279of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Branch access
- Budgeting tools
- Card lock
- Contactless card
- Custom card design
- Debit card
- Mobile check deposit
- Mobile wallet
- No minimum balance
- Online opening
- Overdraft line of credit
- Overdraft protection transfer
- Savings buckets
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $12 a monthusbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- clients age 13-24
- Members of the military (requires self-disclosure)
- Workplace-Financial Wellness Program
- U.S. Bank Global Transition Solutions
- clients 65 and over
- State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card
- Have combined monthly direct deposits totaling $1,500 or more
- keep a minimum average account balance of $1,500 or more
- owner on a U.S. Bank Smartly™ Visa Signature® Card
- owner of an eligible U.S. Bank small business checking account
- qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier)
- For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date
- Minimum to open
- $25usbank.com, checked Nov 8, 2026
- Overdraft transfer fee
- Noneusbank.com, checked Nov 8, 2026
- ATM network
- over 4,000 no-fee ATMsusbank.com, checked Nov 8, 2026
- ATMs in the network
- 4,000usbank.com, checked Nov 8, 2026
Who can open it
- Minimum age
- 18usbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees