Bank Smartly® with U.S. 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.

Get rewarded.

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

Start saving for your future.

Open a Standard Savings account in minutes with an opening deposit as little as $25.

Young Adults ages 18 through 24 may open an account individually or jointly, online or in a branch. Individuals ages 17 and under can open an account with an adult together in a branch.

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 app2
  • Best digital mortgage tools3
  • Best customer service features 4
  • Best mobile check deposit5
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Stay on the path to financial wellness.

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.

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Maximize your money’s potential.

Tap into an array of tools, programs and resources that work together to put you – and keep you – on the road to financial wellness.

Frequently asked questions