Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

The bank has two checking accounts: U.S. Bank Safe Debit account and U.S. Bank Smartly® Checking.

No matter what you choose, you'll get:

• Top-rated digital tools. Enjoy mobile check deposit, account alerts, financial insights and more.
• Fraud protection. You're protected with the industry's strongest available encryption.
• National ATM network. Avoid ATM fees 1 with one of the largest ATM networks in America.

Experience the benefits of a U.S. Bank Smartly® Checking account.

• Interest earned on checking.
• No Overdraft Paid Fee if balances are overdrawn $50 or less.
• Overdraft Fee Forgiven program for overdrawn balances over $50.
• No ATM transaction fees at U.S. Bank ATMs.

Avoid Transaction and Conversion Fees Exchange rates are unpredictable as well. This is where having a U.S. dollar bank account is especially handy. Foreign transactions fees can come with international transfers and expensive conversion fees.

full-service bank U.S. Bank is a full-service bank that provides a wide range of financial services and products, including credit cards, home mortgages, personal loans, lines of credit, vehicle loans and more.

Bank Smartly® Checking lets you manage your cash flow and gives you access to automated tools to help you spend and save wisely. Get started with an initial deposit of $25. Open an account. Apply online in less than 5 minutes. Add money to your account with an online transfer or at a branch.

It doesn't get much smarter than Smart Checking. You get all the basics you expect from the best bank checking accounts, plus perks like: Free monthly transactions. $50 minimum opening deposit. No minimum monthly balance.

The Federal Reserve System (FRS) is the central bank of the United States. Often called the Fed, it is arguably the most influential financial institution in the world. It was founded to provide the country with a safe, flexible, and stable monetary and financial system.

Avoid Transaction and Conversion Fees Exchange rates are unpredictable as well. This is where having a U.S. dollar bank account is especially handy. Foreign transactions fees can come with international transfers and expensive conversion fees.

Bank Smartly® Checking lets you manage your cash flow and gives you access to automated tools to help you spend and save wisely. Get started with an initial deposit of $25. Open an account. Apply online in less than 5 minutes. Add money to your account with an online transfer or at a branch.