U.S. BankSavings accountChecked Oct 10, 2026Updated
U.S. BANK SMARTLY SAVINGS
- A year on $10,000
- −$60 after fees
- Monthly fee
- $5 a month
- To open
- $25 to open
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% | −$60 |
| $5,000 | 0.00% | −$60 |
| $10,000 | 0.00% | −$60 |
| $25,000 | 0.00% | −$60 |
| $50,000 | 0.00% | −$60 |
| $100,000 | 0.00% | −$60 |
Bonuses
$100For new customers · ends October 29, 2026
Open a new U.S. Bank Smartly® Savings account through the U.S. Bank campus page or at a participating U.S. Bank campus location, qualify for the checking offer, make new money deposits totaling $1,000 or more by October 29, 2026, and maintain a minimum account balance of $1,000 through January 31, 2
Rate conditions
- To earn the APY
- when you are an account owner of a U.S. Bank Smartly® Checking account, Safe Debit account, or U.S. Bank Smartly™ Visa Signature® Card
- and a CQB of at least
- Interest compounds
- Interest will be compounded daily and credited to your account monthly for all savings accountsSource · checked Oct 10, 2026
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- The $5 monthly maintenance fee is waived when you are an owner of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® Card
- or for accounts with a minor under the age of 18
- Minimum to open
- $25Source · checked Oct 10, 2026
- Overdraft transfer fee
- NoneSource · checked Oct 10, 2026
- ATM network
- U.S. Bank ATMs and MoneyPass® surcharge free networkSource · 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
Automatic savingsBranch accessBudgeting toolsInterest bearingJoint accountsMinor accountsMobile check depositOnline 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