APY on $10,000
0.00%
As of Nov 1, 2026. Rates are variable.
U.S. Bank · Savings account
U.S. Bank Smartly® Savings
−$60 a year on $10,000 at today’s 0.00% APY. $5 a month. $25 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 1, 2026
Issuer document · it03.usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $60
- A year
- −$60
- APY on $10,000
- 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.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Features
- Automatic savings
- Branch access
- Budgeting tools
- Interest bearing
- Joint accounts
- Minor accounts
- Mobile check deposit
- Online opening
- Overdraft protection transfer
- Savings buckets
- Spending alerts
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
Rate conditions
- To earn the APY
- when you are an account owner of a U.S. Bank Smartly® Checking account, Safe Debit account, or U.S. Bank Smartly™ Visa Signature® Card
- and a CQB of at least
- Interest compounds
- Interest will be compounded daily and credited to your account monthly for all savings accountsusbank.com, checked Nov 1, 2026
Fees
- Monthly fee
- $5 a monthit03.usbank.com, checked Nov 1, 2026
- Ways to avoid the monthly fee
- Any one of these:
- you are an owner of a Bank Smartly® Checking
- you are an owner of a Safe Debit account
- you are an owner of a Bank Smartly™ Visa Signature® Card
- for accounts with a minor under the age of 18
- 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
- U.S. Bank ATMs; U.S. Bank participates in MoneyPass®, an ATM surcharge free networkusbank.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
- Minimum age
- 13usbank.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