U.S. BankMoney market accountChecked Oct 10, 2026Updated
U.S. ELITE MONEY MARKET
0.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- $10 a month
- To open
- $100 to open
- On our list
- #95 of 152 money market accounts, by a year’s value on $10,000
Visit U.S.The bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.00% | −$120 |
| $5,000 | 0.00% | −$120 |
| $10,000 | 0.00% | $0 |
| $25,000 | 0.00% | $0 |
| $50,000 | 0.00% | $0 |
| $100,000 | 0.00% | $0 |
Rates by balance
| Balance | APY |
|---|---|
| $0 to $10,000 | 0.01% |
| $10,000 to $25,000 | 0.01% |
| $25,000 to $50,000 | 0.05% |
| $50,000 to $100,000 | 0.05% |
| $100,000 to $500,000 | 0.05% |
| $500,000 and up | 0.05% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Balance needed for the APY
- $25,000Source · checked Oct 10, 2026
- To earn the APY
- Deposit at least $25,000 within 30 days of account opening
- maintain a minimum daily balance of at least $25,000 each day thereafter
- Interest compounds
- Interest will be compounded daily and credited to your account monthly.Source · checked Oct 10, 2026
Fees
- Monthly fee
- $10 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- open a U.S. Bank Smartly® Checking account with a minimum of Gold Tier
- maintain a $10,000 minimum daily balance
- Minimum to open
- $100Source · checked Oct 10, 2026
- ATM network
- U.S. Bank ATMs and MoneyPass®Source · checked Oct 10, 2026
- Out-of-network ATM fee
- $3Source · checked Oct 10, 2026
- International ATM fee
- $3Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 3%Source · checked Oct 10, 2026
- Incoming domestic wire
- $20Source · checked Oct 10, 2026
- Outgoing domestic wire
- $30Source · checked Oct 10, 2026
- Incoming international wire
- $25Source · checked Oct 10, 2026
- Outgoing international wire
- $50Source · checked Oct 10, 2026
- Inactivity fee
- $5Source · checked Oct 10, 2026
- Cashier’s check
- $10Source · checked Oct 10, 2026
- Stop payment
- $35Source · checked Oct 10, 2026
Features
Branch accessCheck writingDebit cardInterest bearingOnline openingOverdraft protection transferSpending alerts
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