Smarter banking begins with smarter checking
Unlock your financial potential with our innovative checking accounts designed to help you save more and achieve your goals faster.
Build a strong financial future with Bank Smartly™ Checking and rewards.
Experience banking that works for you. Our checking accounts are designed with your needs in mind.
Earn rewards on every purchase and deposit
$1.25 interest rate on your checking account balance
Zero monthly maintenance fees
Unlimited ATM access across our extensive network
Mobile banking and online account management
24/7 fraud protection and security monitoring
Three quick steps and you're in
Apply for a new checking account online
Fill out our simple online application in minutes
Fund using internal or external transfer
Move money from your other accounts instantly
Start your digital journey with U.S. Bank
Access all your banking services immediately
Add a boost to your money-making potential.
With Bank Smartly™ Checking, you'll earn competitive interest rates while enjoying the convenience and security of modern digital banking.
Our rewards program means every transaction works toward your financial goals.
You've come to expect this from U.S. Bank
Mobile-first banking
Access your accounts anytime, anywhere with our mobile app
Best-in-class security
Your data is protected with industry-leading encryption
Full account transparency
View all transactions and manage your accounts in real-time
Financial insights
Get personalized recommendations to optimize your finances
Frequently asked questions
Disclosures: Investment products are not FDIC insured and are subject to investment risk, including possible loss of principal. All sales/trading products are suitable and available from U.S. Bank and its affiliates. The information contained herein is subject to change without notice. This material is provided for informational purposes only.
U.S. Bank is a brand of U.S. Bancorp. Member FDIC. Equal Housing Opportunity. All bank products are subject to individual qualification and review of your credit and financial history. U.S. Bank reserves the right to modify or discontinue products and services at any time.