Bank accounts

You can open a bank account online or in a branch if you’re 18 years or older and a legal U.S. resident. You’ll need:

• Your Social Security number.
• A minimum opening deposit to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.

If you prefer to visit a U.S. Bank branch, you’ll also need personal details such as a valid government ID and Social Security number. Feel free to call a U.S. Bank representative at 855-605-1871 to ensure you have what you need.

With a bank account, you can:

• Conveniently and safely access your money using a debit card, ATM or checks without needing to carry cash.
• Monitor your account, transfer funds, pay bills online, track spending, budget your money and more via digital tools.
• Easily set up direct deposit of your paycheck or other recurring payments, saving a trip to the bank and giving you immediate access to funds.
• Get covered with the standard deposit insurance coverage limit, which is $250,000 per depositor, per ownership category, per FDIC-insured bank.

Accessing your account online is safe and secure. Our industry-leading encryption and security features are always on to protect you and your information.

• Digital security guarantee: You aren’t liable for any unauthorized transactions made with the mobile app or online banking.¹
• Security center: Boost the security of your accounts in minutes by easily enabling security features within the mobile app and online banking.
• Data privacy: Share your financial information only with those you choose.
• Custom account notifications: Monitor your balances and activity, your way. There’s no need to sign up for alerts that inform you of important activity, like requests to change your password.² Learn more about limiting and reporting unauthorized transfers.
  

A minor can only open a bank account with an adult.

If you want to open a Bank Smartly Checking® account with a minor (aged 13 through 17), you can open the account online or in a branch, as long as you’re both present. If opening the account online, you’ll need the teen’s Social Security number, income (if any) and a few other details.

If the minor is under the age of 13, or if you’d like to open any other type of bank account with a minor aside from the above, you’ll need to make an appointment and go to a branch together. Get more tips for teaching kids about money.

You can apply for an individual account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Find out how to open your first bank account.

You can usually access your bank account immediately after it's opened and funded. Depending on the account, you may be able to view balances, transfer money, pay bills, and set up direct deposits.

Understanding the difference between checking and savings accounts is key to finding the right one for you. A checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or check. A savings account is meant to help you grow your money or set aside funds for a big purchase. It’s often beneficial to have both as part of your financial plan.

Our do-it-yourself automated direct deposit setup makes it easy and takes just a few minutes in the Mobile App or online. Your direct deposit update is seamless, secure and verified in real time. You can do this for paychecks, Social Security benefits and more. (For other federal benefits, visit godirect.gov.)

Whether you’re opening a new account or want to add a beneficiary to an existing one, we’ll need to know the type of account (checking, savings, CD) and some personal information about your beneficiary. You’ll also need to provide written confirmation of your request via signature.

Head to a U.S. Bank branch or call 800-USBANKS (872-2657) to get started. We accept relay calls.

You can find your account number and routing number through any of the following:

• U.S. Bank Mobile App
• Online banking 
• Your monthly statement
• Your checkbook
• Our routing number directory