U.S. BankChecking accountChecked Oct 10, 2026Updated
U.S. Bank Smartly® Checking for young adults
$12monthly fee
- A year for an everyday customer
- $0 fees and interest, $2,000 kept
- To open
- $25 to open
- On our list
- #245 of 986 checking accounts, by a year’s value for an everyday customer
Visit U.S.The bank’s own page · checked Oct 10, 2026
Fees
- Monthly fee
- $12 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- clients age 13-24
- Members of the military (requires self-disclosure)
- Workplace-Financial Wellness Program
- U.S. Bank Global Transition Solutions
- clients 65 and over
- State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card
- Have combined monthly direct deposits totaling $1,500 or more
- keep a minimum average account balance of $1,500 or more
- owner on a U.S. Bank Smartly™ Visa Signature® Card
- owner of an eligible U.S. Bank small business checking account
- qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier)
- For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date
- Minimum to open
- $25Source · checked Oct 10, 2026
- Overdraft transfer fee
- NoneSource · checked Oct 10, 2026
- ATM network
- over 4,000 no-fee ATMsSource · checked Oct 10, 2026
- ATMs in the network
- 4,000Source · checked Oct 10, 2026
Who can open it
- Minimum age
- 18Source · checked Oct 10, 2026
Features
Bill payBranch accessBudgeting toolsCard lockContactless cardCustom card designDebit cardMobile check depositMobile walletNo minimum balanceOnline openingOverdraft line of creditOverdraft protection transferSavings bucketsSpending alertsZelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees