U.S. Bank Platinum Checking account

How do I open a U.S. Bank Platinum Checking account?

Apply online in a few steps:

1. Go to the provider’s site and follow the steps to apply.
2. From the U.S. Bank home page, hover over Checking & Savings and select Checking accounts.
3. Scroll down to the Platinum Checking Package and select Apply now.
4. Enter your ZIP code and click Go.
5. Indicate whether you’re currently a US Bank customer by choosing Yes or No.
6. Indicate whether you’re opening a joint or individual account. Click Next.
7. Complete the application by filling out your name, contact info and Social Security number. At the end, U.S. Bank will indicate whether or not your application was approved.

Eligibility

You must be 18 years or older and a legal United States resident to open a Platinum Checking account with U.S. Bank.

Required information

While completing the application for a Platinum Checking account, keep the following info handy:

• Social Security number or Individual Taxpayer Identification Number
• Your driver’s license, military or state ID
• Payment method for funding the account with a $25 deposit — credit card, debit card or the routing and account numbers of another bank account

What are the benefits of a checking account with U.S. Bank?

A checking account with U.S. Bank comes standard with remote check deposit, an intuitive app, a Visa debit card and Zelle for bank-to-bank transfers. What sets Platinum Checking apart are special perks associated with its status as a top-tier account. In addition to fee-free overdraft protection transfers, expect:

• 100 no-commision trades each year. Trade up to 100 times in a calendar year in an independent brokerage account without being charged commission.
• Access to Platinum Select Money Market Savings Account. Gain access to its top-tier savings account with APYs ranging from 0.05% to 0.1% — except for the first six months, when balances over 10% will receive a 2% APY.
• Save on a mortgage. Calculate 0.25% of your overall loan and deduct it from your closing costs to save money when signing a mortgage with U.S. bank, capped at $1,000.
• No fee at non-US Bank ATMs. Use your ATM card anywhere without fees. Though U.S. Bank won’t reimburse you for any fees each ATM charges independently.

You’ll also be eligible to earn an account bonus with a FlexPerks credit card when you open a Platinum Checking account. And maintaining your account means you can waive the annual fee on home equity loans.

U.S. Bank’s ATM network and fees

U.S. Bank has over 3,000 branches in 25 states around the country and 4,600 ATMs that are primarily scattered throughout the midwest. With the Platinum Checking account, you can use any ATM nationwide without being penalized by U.S. Bank, though you might need to pay fees charged by independent ATMs.

Here’s what you can do at U.S. Bank ATMs:

• Withdraw cash
• Check account balances
• Deposit cash
• Deposit checks
• Transfer money between U.S. Bank accounts
• Make a U.S. Bank credit card payment
• Reset your pin

What should I look out for?

A $25 initial deposit is required to open a Platinum Checking account. Here’s what else to consider:

• Hefty monthly maintenance fee. Unless you maintain a combined balance of $25,000 in personal deposits, credit balances and investments — or you maintain a personal trust with U.S. Bank — you’ll be hit with a $6.95 monthly fee.
• Overseas transactions are pricey. Using your debit card internationally will incur a 3% fee on each transaction made in foreign currency, and a 2% fee on transactions in US dollars.

Compare with other checking accounts

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6 of 18 results

Finder Score	Fee	Minimum deposit to open	Annual Percentage Yield (APY)	Rebate
Promoted Finder score 9 Excellent SoFi Checking and Savings	Finder score 9 Excellent	$0 per month	$0	Up to 3.60%	Earn up to 4.30% APY on savings and $50 or $300 with direct deposit. Open a new SoFi Checking and Savings account by 31 January 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. T&Cs apply.		Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.6 Excellent OnePay Cash	Finder score 9.6 Excellent	$0 per month	$0	3.35% on balances of $5,000 to $250,000 1.00% on balances of $0 to $4,999 1.00% on balances of $250,001+	For a limited time, earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. T&Cs apply.		Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.2 Excellent NBKC Everything Account	Finder score 9.2 Excellent	$0 per month	$0	1.75% on balances of $0.01+		Go to site More info Compare product selection Compare	loading
Finder score 7 Great HSBC Premier Checking	Finder score 7 Great	$50 per month (can be waived)	$0	0.01% on balances of $5+	Earn up to $3,500 by opening the HSBC Premier account with three different bonus offers after completing qualifying activities by December 31, 2025, and maintain the New Deposits through March 31, 2026. T&Cs apply.		Go to site More info Compare product selection Compare	loading
Finder score 8.6 Great Step Black Card	Finder score 8.6 Great	From $0 per month	$0	4.00% on balances of $0 to $1,000,000		Go to site More info Compare product selection Compare	loading
Finder score 8.4 Great Alliant Credit Union High-Rate Checking	Finder score 8.4 Great	$0 per month	$25	0.25%		Go to site More info Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.

Read the full breakdown

How do I deposit or withdraw my money?

Deposit money into your Platinum Checking account with U.S. Bank by:

• Direct deposit. Automatically deposit paychecks into your account.
• Check deposit. Deposit checks through the app or in-person at a branch location.
• Cash deposit. Input cash through an ATM or in-person at a branch location.
• Electronic transfer. Send money to your Platinum Checking account online or through the app.
• Wire transfer. Wire money in and out of the Platinum Checking account. Note that there’s a $20 fee per incoming wire.

Withdraw funds from your Platinum Checking with U.S. Bank by:

• ATM withdrawal. Get cash at an ATM using your debit card.
• Electronic transfer. Send money to an external bank.
• Wire transfer. Wire outgoing funds, noting that there’s a $30 fee to do so domestically.

Bottom line

Platinum Checking with U.S. Bank is best for those who’d like a diverse relationship with the bank. The perks associated with signing on include discounts on mortgage closings, stock market trades and on other U.S. Bank accounts.

If you’re not interested in that kind of commitment or just don’t want to deal with the hefty maintenance fee, compare your other options.

Frequently asked questions

• Is there a paper statement fee for the U.S. Bank Platinum Checking account?

  No. The $2 paper statement fee is waived for Platinum Checking customers.

• How much is a personal money order with the U.S. Bank Platinum Checking account?

  It costs $5 to send a personal money order when you have a Platinum Checking account with U.S. Bank.

• What's the international transaction fee when I use my U.S. Bank Platinum Checking debit card overseas?

  You’ll be charged a 3% fee when you make a purchase in a foreign currency with this account.

Finder Scores: What they mean

If you want peace of mind, this rating will give it to you. These products offer the best value and outcomes considering various product features, terms, conditions and price.

Well-balanced products that provide what you need, offering a healthy mix of competitive features at a good price. However, they're not quite the best in class.

Bottom line: You can find better, but these products still offer reasonable value and have the basics sorted.

These products may not offer much value in the long run, and there are better options available.

U.S. Bank Platinum Checking is not currently available on Finder

Have you considered SoFi Checking and Savings?

Earn up to 3.60% APY on savings by meeting deposit requirements or by paying the SoFi Plus subscription fee every 30 days, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $3M of additional FDIC insurance through a network of participating banks.

• 0.50% APY on checking balance
• Up to 3.60% APY on savings
• $0 account or overdraft fees
• Earn $50 or $300 when you sign up and set up eligible direct deposit

Learn more

No thanks, compare other checking account options.