Free online checking account no opening deposit no credit check

Easy Checking details

Monthly maintenance fee

$0 or $6.95

How to waive the monthly maintenance fee

There are three ways:

• You have combined monthly direct deposits totaling $1,000 or more.
• You keep an average account balance1 of $1,500 or more.
• You are age 65 or greater.

Other fees

A $2 paper statement fee2 applies unless the account is enrolled in e-statements. This fee is waived for account holders age 65 or greater.

Easy Checking Account benefits

Includes ways to waive overdraft fees

If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee.

If your Available Balance is overdrawn by $50.01 or more, you’re given extra time to potentially waive Overdraft Paid Fees on eligible accounts with Overdraft Fee Forgiven.3

Includes the "must-haves" for basic checking accounts

Includes no-fee overdraft protection transfers

Pay no overdraft protection transfer fees when the transfer is made from a linked U.S. Bank consumer savings, money market or secondary checking account.5 Overdraft Protection Transfer Fees apply when transfers are made from a linked U.S. Bank credit account, including Reserve Line of Credit, credit card, personal line of credit, home equity line of credit and other lines of credit.5

More information

Frequently asked questions

You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Learn more about how to open your own first bank account.

A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check. A savings account is meant to help you grow your money or set aside funds for a big purchase.

It’s often beneficial to have both as part of your financial plan. Learn more about the differences between checking and savings accounts.

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Disclosures

1. Average account balance – The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of days within the statement period.

2. Additional fees may apply for statements with check images. Check images are available with paper or e-statements. Accounts with the Senior customer indicator receive waived fee for statements with check image. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section in your Consumer Pricing Information disclosure (PDF).

3. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATMs deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.
   

4. Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

5. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

   Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.
   

   Refer to Your Deposit Account Agreement section titled Overdraft Protection Plans for additional information.
   

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Deposit products are offered by U.S. Bank National Association. Member FDIC.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

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