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A smarter way to bank

The U.S. Bank Smartly® Checking account offers special benefits to students ages 13 through 24. Apply online in minutes with an opening deposit of $25.

Note: Young Adults ages 18 through 24 may apply individually or jointly. Youth ages 13 through 17 must apply jointly with an adult.

Apply as a young adult Apply as an adult with a youth

Take control of fees.

As a Youth or Young Adult, when you open a Bank Smartly Checking account, you’re automatically enrolled in the free U.S. Bank Smart Rewards® program. You’ll receive these benefits:

  • $0 monthly maintenance fees1
  • $0 ATM transaction fees at U.S. Bank ATMs and on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after four)2,3
  • $0 overdraft protection transfers made from an eligible linked U.S. Bank deposit account4
  • $0 overdraft fees when overdrawn $50 or less5
  • Overdraft Fee Forgiven6 program


The perks don’t stop with checking. You’ll also receive benefits such as 100 Free Trades7 per calendar year with a self-directed brokerage account, exclusively through our affiliate, U.S. Bancorp Investments.

Learn more about U.S. Bank Smart Rewards

Start your financial journey on the right foot.

Open a Standard Savings account with a minimum $25 opening deposit.

Young Adults ages 18 through 24 may open an account individually or jointly and may do so online or in a branch. Individuals ages 17 and under may open an account with an adult. The account must be opened together in a branch.

Apply as a Young Adult Learn more

The verdict is in…. Our app is #1.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. Industry experts ranked us #1 for:

  • Best mobile app8
  • Best digital mortgage tools9
  • Best customer service features 10
  • Best mobile check deposit11
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Take charge of your money.

Students talking about school

Grow your financial knowledge.

Visit the U.S. Bank Financial IQ Student Center to discover a vast array of resources on topics relevant to you. Be sure to check out the U.S. Bank Student Scholarship Sweepstakes.

Explore Financial IQ
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Maximize your money’s potential.

Download the latest version of the U.S. Bank Mobile App to tap into an array of tools.

Bank Smartly with U.S. Bank

Frequently asked questions

Via U.S. Bank Mobile App:

  1. Log in to the app and open the main menu in the upper left corner.
  2. Select Manage Cards.
  3. Select the card that needs the new PIN.
  4. Select Reset PIN.
  5. Follow the prompts. 

Via U.S. Bank Online Banking:

  1. Log in to online banking and select Customer service.
  2. Select Self service.
  3. Select Reset debit or ATM card PIN located beneath the Debit Card & ATM Card section.
  4. Select Continue or choose the card you’d like to change the PIN (for multiple cards), then Continue.
  5. Verify your identity.
  6. Enter your desired PIN and save. 

Via phone:

Call us at 800-872-2657. We accept relay calls.

There are multiple ways, including through: the U.S. Bank Mobile App, online banking, your monthly statement, your checkbook and our routing number directory. The easiest way is to open the app and simply ask the U.S. Bank Smart Assistant™, “What’s my routing number?”

Learn more about finding your routing number.

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. Learn more about the differences between checking and savings accounts.

You can open Bank Smartly Checking and Safe Debit accounts for a Youth aged 13 through 17 if it is a joint account with an adult. You may do so together online or in a branch. If the minor is under the age of 13 or if you wish to open any other joint account with a minor, you must do so together in a branch. Make an appointment to meet with a banker.

Learn more about how to open an account for a minor.

Get answers to other frequently asked questions and learn more about account services, features and benefits on our Checking customer resources page.