U.S. Bank Checking Review: Personal Account Features & Benefits

If you’re looking to open a new checking account, U.S. Bank offers accounts that work for you with the following options:

• Easy Checking: Personal checking with basic banking must-haves
• Gold Checking: Extra benefits for U.S. Bank credit card and loan customers
• Platinum Checking: Top-tier checking with competitive rates and all the perks

U.S. Bank Checking Review

• Account Type: Platinum, Gold or Easy checking account
• Availability: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY

U.S. Bank Platinum Checking

• Experience our top-tier package with all the perks with a U.S. Bank Platinum Checking account.
• Pay no ATM transaction fees for non-U.S. Bank ATM transactions. Member FDIC.
• Pay no fees for copies of checks and paper statements
• Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven program
• Pay no fees for copies of checks and paper statements
• Get your initial box of U.S. Bank logo checks free, or enjoy a 50% discount on all other personal designs, with a 50% discount on any re-orders of U.S. Bank logo or personal designs.
• Get additional Easy Checking accounts for family members, including minors, with no monthly maintenance fee.
• Account earns interest.
• Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account

(about the Platinum Checking account)

U.S. Bank Gold Checking

• Receive special benefits for U.S. Bank credit card and loan customers with a U.S. Bank Gold Checking account.
• The monthly maintenance fee can be waived if you have an open U.S. Bank personal loan, line, mortgage or credit card.
• Pay no ATM transaction fees at U.S. Bank and MoneyPass® Network ATMs. No ATM transaction fees are charged on your first two non-U.S. Bank ATM transactions per statement period.
  Note: Non-U.S. Bank ATM transaction fees apply after two. Member FDIC
• Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven program
• Enjoy a U.S. Bank Visa Debit Card, mobile and online banking with bill pay and more.
• Get up to two additional Easy Checking accounts for family members, including minors, with no monthly maintenance fee
• Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account

(about the Gold Checking account)

U.S. Bank Easy Checking

• Get a basic checking account with all the standard features with a U.S. Bank Easy Checking account.
• Enjoy a U.S. Bank Visa Debit Card, mobile and online banking with bill pay and more.
• No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs. Member FDIC.
• Multiple ways to waive the monthly maintenance fee.
• Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven program
• Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account

(about the Easy Checking account)

How to Avoid Monthly Fees

• Easy Checking:
  • Waive the $6.95 Monthly Maintenance Fee with one of the following:
    • Combined monthly direct deposits totaling $1,000+, OR
    • Average account balance of $1,500, OR
    • Account holder(s) age 65 or greater
• Gold Checking:
  • Waive the $14.95 Monthly Maintenance Fee with an open U.S. Bank personal loan, line of credit or credit card (excluding U.S. Bank Reserve Line of Credit and Student Loans)
• Platinum Checking:
  • Waive the $24.95 Monthly Maintenance Fee with $25,000 in combined personal deposits, credit balances with U.S. Bank and/or investments through our affiliate, U.S. Bancorp Investments. Or, through a personal trust relationship with U.S. Bank Wealth Management

Author’s Verdict

Looking to open a checking account for your business? See our review on business checking accounts from U.S. Bank.

If you are interested in more bonuses, check our list of the latest U.S. Bank Promotions. Also, find our full list of bank bonuses.