APY
0.00%
As of Nov 1, 2026. Rates are variable.
U.S. Bank · Checking account
U.S. Bank Smartly® Checking
$0 a year for an everyday customer. $6.95 a month. $25 to open.
- A year, everyday customer
- $0
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer document · it03.usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer document · it03.usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · usbank.com
The source states this figure; we have no exact sentence on file yet.
Features
- ATM fee rebates
- Bill pay
- Branch access
- Budgeting tools
- Check writing
- Debit card
- Debit rewards
- Instant digital card
- Interest bearing
- Joint accounts
- Minor accounts
- Mobile check deposit
- No overdraft fees
- Online opening
- Overdraft grace period
- Overdraft protection transfer
- Spending alerts
- Support 24/7
- 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
- $6.95 a monthit03.usbank.com, checked Nov 1, 2026
- Ways to avoid the monthly fee
- Any one of these:
- For newly opened U.S. Bank Smartly Checking accounts, the $12 Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date.
- Average account balance is $1,500 or greater
- Combined monthly direct deposits total $1,500+
- Own or open a U.S. Bank Smartly™ Visa Signature® Credit Card
- Smart Rewards® Gold Tier, Platinum Tier and Platinum Plus Tier
- Age 13-24
- Age 65 and over
- Member of the military
- Workplace-Financial Wellness Program
- U.S. Bank Global Transition Solutions
- Own or open an eligible U.S. Bank Small Business Checking account
- State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card.
- Minimum to open
- $25usbank.com, checked Nov 1, 2026
- Overdraft fee
- $36it03.usbank.com, checked Nov 1, 2026
- Overdraft transfer fee
- $12.50it03.usbank.com, checked Nov 1, 2026
- Most overdraft fees in a day
- 3it03.usbank.com, checked Nov 1, 2026
- ATM network
- 4,000+ no-fee U.S. Bank ATMsusbank.com, checked Nov 1, 2026
- ATMs in the network
- 4,000usbank.com, checked Nov 1, 2026
- Out-of-network ATM fee
- $2.50it03.usbank.com, checked Nov 1, 2026
- International ATM fee
- $2.50it03.usbank.com, checked Nov 1, 2026
- Foreign transaction fee (debit card)
- 3%it03.usbank.com, checked Nov 1, 2026
- Incoming domestic wire
- $20usbank.com, checked Nov 1, 2026
- Outgoing domestic wire
- $30usbank.com, checked Nov 1, 2026
- Incoming international wire
- $25usbank.com, checked Nov 1, 2026
- Outgoing international wire
- $50usbank.com, checked Nov 1, 2026
- Paper statements
- Noneit03.usbank.com, checked Nov 1, 2026
- Inactivity fee
- $5it03.usbank.com, checked Nov 1, 2026
- Cashier’s check
- $10usbank.com, checked Nov 1, 2026
- Stop payment
- $35usbank.com, checked Nov 1, 2026
Who can open it
- Where
- Anywhere in the USusbank.com, checked Nov 1, 2026
- Minimum age
- 18usbank.com, checked Nov 1, 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