US Bank Student Checking review

No monthly maintenance fee for students, but it's only available in 17 states.’s rating: 3.5 / 5.0


The US Bank Student Checking account is best for cost-conscious students who want the standard banking features of a traditional checking account but don’t want to pay a monthly fee. Its availability is limited to residents in 17 states, and you’ll want to enroll in e-statements immediately to avoid its monthly paper statement fee.

$0 per month





Minimum deposit to open


Fee$0 per month
Minimum deposit to open$25
ATMs3,013 branches and 5,323 bilingual ATMs
ATM transaction fee$0
Out-of-network ATM fee$2.50 each after the first four every month
Non-U.S. Bank ATM owner fees may apply unless owner participates in the MoneyPass network
Overdraft fee$36
Nonsufficient funds fee$36

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

US Bank Student Checking account is best for students looking for an account with no monthly fees and essential banking features. But unlock other student checking accounts, it doesn’t offer additional perks, including interest, cashback on debit card purchases or financial tools to track your spending.

How do I open a US Bank Student Checking account?

Signing up for your Student Checking account is fast and can be done online.

  1. Go to the provider’s site and follow the steps to apply.
  2. From the U.S Bank website, find your state and select your school from the dropdown menu.
  3. If you’re new to U.S. Bank, click Get Started. Otherwise, log in.
  4. Select whether you’re applying for an individual or joint account, then begin entering your personal information.
  5. Next, you’ll be asked for some financial info, including employment status and annual income.
  6. Verify the information you’ve entered, e-sign your documents and submit your application.
  7. If you’re approved, customize your options and follow the instructions to fund your account and set up online banking.


Applicants must meet the following requirements:

  • At least 18 years old
  • Enrolled in high school, college, university or trade school
  • Legal US resident
  • Social Security number or tax ID
  • Valid driver’s license, state or military ID
  • Opening deposit of at least $25

U.S. Bank may periodically request documentation to verify that you still qualify for this student account.

Required information

During the application process, you’ll be asked to provide the following information:

  • Name, email address and phone number
  • Home address
  • Birthdate
  • Social Security number
  • ID number from a driver’s license, state ID or military ID
  • Employment status
  • Annual income

In which states is the US Bank Student Checking account available?

You must live in one of the following states to open a Student Checking account:

  • Arkansas
  • California
  • Colorado
  • Illinois
  • Iowa
  • Kansas
  • Kentucky
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • Tennessee
  • Washington
  • Wisconsin

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

U.S. Bank’s Student Checking account offers a Visa debit card, online and mobile banking, and free mobile check deposit. You’ll also get the following perks:

  • No monthly maintenance fees. Students won’t have to pay a fee to use this account.
  • ATM reimbursements. There’s no fee for the first four non-US Bank Student Checking ATM transactions per statement period.
  • First order of checks is free. Your first batch of US Bank Student Checking logo checks is complimentary.
  • Overdraft protection. Free transfers from a U.S. Bank savings, money-market or secondary checking account if you don’t have enough funds to cover a transaction.

U.S. Bank‘s ATM network and fees

Use your U.S. Bank debit card at any of U.S. Bank’s 5,300 ATMs without paying a fee. And the bank doesn’t charge a fee for your first four transactions within the statement period made at non-U.S. Bank ATMs.

However, a fee from the ATM owner may apply — unless they participate in the MoneyPass network. Any transactions at non-U.S. Bank ATMs after your first four incur a $2.50 fee.

What should I look out for?

No account is perfect. With this one, keep an eye out for:

  • Paper statement fee. Unless you enroll in e-statements, you’ll be charged a monthly paper statement fee of $2.
  • Limited availability. New accounts are limited to residents of 17 states.
  • Small ATM coverage. U.S. Bank has 5,300 ATMs, which is a drop in the bucket compared to the Chase College Checking account that gives you access to over 16,000 ATMs nationwide. While you can use one of 37,000 surcharge-free MoneyPass ATMs, U.S. Bank will charge you a $2.50 fee after your first four non-U.S. Bank ATM transactions.

If you prefer a student checking account available in more states, you’ll want to keep looking. As always, compare your options when choosing a checking account.

Compare US Bank Student Checking with other student checking accounts

Use the table to view other checking options for students. Sort by APY, minimum opening deposit and ATM access to compare products.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Axos Bank First Checking
Finder Rating: 3.5 / 5: ★★★★★
Axos Bank First Checking
Made for teens ages 13 to 17, this account earns 0.1% APY and has no monthly fees.
Chase First Banking℠
Finder Rating: 4.3 / 5: ★★★★★
Chase First Banking℠
16,000 ATMs nationwide
A debit card for teens and kids with a set of digital tools to help them learn good money habits in the Chase Mobile app. Requires parent to have or open a Chase checking account.
Finder Rating: 4 / 5: ★★★★★
Copper is a digital checking account that teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app.
Current teen banking
Finder Rating: 4.8 / 5: ★★★★★
Current teen banking
Over 55,000 free in-network ATMs
Current connects your money to friends, family, brands, and experiences that matter.
Finder Rating: 4.2 / 5: ★★★★★
No access to ATMs
Jassby is a virtual debit card for kids, complete with chores and allowance tracking.

Compare up to 4 providers

How do I deposit or withdraw my money?

With U.S. Bank’s online and mobile banking, accessing your funds and making deposits is simple. Or you can visit a branch office or ATM to make a deposit or withdrawal in person.

  • Online. Transfer money online between U.S. Bank accounts and external accounts.
  • App. Deposit checks in the app for free at any time.
  • Zelle. Use Zelle, found in your U.S. Bank app, to request or send money to friends for free.
  • ATM. Deposit funds or make a withdrawal at any of U.S. Bank’s 5,300 ATMs.
  • Branch office. Stop in at your local branch office to conduct business face to face.

What other checking options does U.S. Bank offer?

In addition to the Student Checking account, U.S. Bank offers the following checking accounts:

  • Platinum checking. Earn interest on the money in your U.S. Bank Platinum checking account.
  • Gold checking. Get the extra benefits that come with the Gold checking account when you have a credit card or loan with U.S. Bank.
  • Easy checking. This basic checking account comes with standard banking features and a monthly maintenance fee.
  • Safe debit account. Get many of the banking necessities — like a debit card, online and mobile banking, and mobile check deposit — without checks or overdraft fees.

US Bank Student Checking reviews and complaints

Customers don’t hold U.S. Bank in high esteem. It has a 1.3 out of 5-star rating on Trustpilot based on 252 reviews and a 1.12 out of 5-star rating on the Better Business Bureau (BBB) as of June 2021. It’s accredited with the BBB and holds an A+ rating for responding to complaints — over 4,200 in the last three years.

Some users are impressed with its customer service and how quickly they can speak to someone on the phone. But most complaints cite hefty fees, dated online banking services and long holds on money transfers.

Frequently asked questions

Does U.S. Bank offer voice banking?

Yes. You can use Amazon Alexa, Google Home or Apple iOS devices to do things like get your account balance and recent transactions, and pay your U.S. Bank credit card.

When I deposit a check through the app, will it show up in my account immediately?

Up to $200 will be available immediately. The rest of the funds will be available the next day if deposited before 9 p.m. CT.

What do I do with my check after I make a mobile deposit?

U.S. Bank recommends you hold on to the check for at least seven days. Many checks now have a box on the back of the check where you can mark that it was deposited via mobile.

Can I set up alerts?
Yes. Log in to your online account and select your desired alerts from the customer service menu.

How do I close my account?
You’ll need to go into a branch office to close your account in person.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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