RateHerald

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U.S. BankChecking accountChecked Oct 10, 2026Updated

U.S. Young adult & student checking

0.01%APY · as of Oct 10, 2026
A year for an everyday customer
$0 fees and interest, $2,000 kept
Monthly fee
No monthly fee
To open
$25 to open
Visit U.S.The bank’s own page · checked Oct 10, 2026

Rates by balance

BalanceAPY
$0 to $24,999.990.00%
$25,000 and up0.01%

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
$12 fee is waived for ages 18 to 24Source · checked Oct 10, 2026
Minimum to open
$25Source · 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
18Source · checked Oct 10, 2026

Features

ATM fee rebatesBill payDebit cardMobile check depositSpending 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