U.S. Teen checking

Rates by balance

Source: the bank’s rates · as of Oct 10, 2026

Rate conditions

APY paid on balances up to

$25,000Source · checked Oct 10, 2026

Fees

Monthly fee

NoneSource · checked Oct 10, 2026

Ways to avoid the monthly fee

Any one of these:

• $12 fee is waived for clients under 18
• 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)
• the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date

Source · checked Oct 10, 2026

Minimum to open

$25Source · checked Oct 10, 2026

Overdraft transfer fee

NoneSource · checked Oct 10, 2026

ATM network

U.S. Bank ATMs and MoneyPass® networkSource · checked Oct 10, 2026

ATMs in the network

4,000Source · checked Oct 10, 2026

Who can open it

Where

Anywhere in the USSource · checked Oct 10, 2026

Minimum age

13Source · checked Oct 10, 2026

Features

ATM fee rebatesBill payBudgeting toolsCard lockCheck writingContactless cardDebit cardJoint accountsMinor accountsMobile check depositMobile walletOnline openingOverdraft grace periodOverdraft protection transferSpending alertsZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.