U.S. Bank currently offers the following five checking accounts.
U.S. Bank Easy Checking account
The Easy Checking account is U.S. Bank’s most affordable option, with a low monthly fee that can be waived in several ways. It has online and mobile banking features, including mobile bill pay. Account holders can access their cash for free at U.S. Bank ATMs, but will have to pay a fee to U.S. Bank and possibly also the ATM owner to use an out-of-network ATM.
U.S. Bank Gold Checking account
The U.S. Bank Gold Checking account offers all the same features as the Easy Checking account, plus two out-of-network ATM transactions per statement cycle. You won’t pay U.S. Bank a fee, but that doesn’t mean the ATM owner won’t charge you.
You can add up to two co-owners to your account, which is a great option for families who want to simplify money management. It’s also a good fit for those who have loans or credit cards through U.S. Bank as one of these is required to waive the monthly fee.
U.S. Bank Platinum Checking account
The Platinum Checking account is U.S. Bank’s top-tier checking account, offering the perks of the Gold Checking account plus unlimited out-of-network ATM visits with no extra U.S. Bank fees. You also get discounts on personal checks, an unlimited number of family accounts, and the opportunity to earn a modest amount of interest.
You need a fairly large sum in order to waive the high monthly maintenance fee, but U.S. Bank takes your balances with all of your U.S. Bank accounts into consideration. You can also waive the fee by having a relationship with U.S. Bank Wealth Management.
U.S. Bank Student Checking account
The U.S. Bank Student Checking account is a free checking account designed for college students. It includes four out-of-network ATM visits per month that U.S. Bank won’t charge you for, personal check discounts, and access to all the online and mobile banking tools the other U.S. Bank checking accounts provide.
U.S. Bank Safe Debit Account
The Safe Debit Account is similar to the Easy Checking account, but it doesn’t offer checks and it doesn’t charge overdraft fees because you cannot overdraw your account. You have to be comfortable sticking to U.S. Bank’s ATM network and paying a monthly fee because there’s no way to avoid out-of-network ATM or monthly maintenance fees.
View more information: https://www.fool.com/the-ascent/banks/us-bank-review/