Log In to Your Account

Sign In
Log In Assistance

View Accounts Online

Pay Bills Online

Go

FDIC Update

Important U.S. Bank & FDIC Transaction Account Guarantee Program Disclosures.  Learn more

U.S. Bank Packages

How to Apply

Online Apply Now
Visit Us Find a Branch
Call Us 800-286-1311

Combine Your Accounts for the Best Deal

Whether you're opening your very first bank account or gearing up for retirement, our Packages meet the needs of every customer. U.S. Bank Packages consolidate the services you need – checking, savings and credit products – to help make money management easier and more convenient.

U.S. Bank Package Options and Benefits

We want to find the perfect Package solution for you. Our chart can help you determine if a Silver, Gold or Platinum Package is best for you. Then apply for the products you want and get more with US!

Need more help? Try our Checking Recommender.

  Best For Key Benefits

Silver Package

 Customers who want basic banking options, maintain smaller balances and don't want to manage too many details.
  • No monthly fees
  • Preferred loan rates
  • No-fee credit card

Gold Package

 Customers with growing financial needs who are looking for a simple, comprehensive and superior value solution.
  • 25% rewards bonus for U.S. Bank Check Card and Credit Card use
  • Preferred loan rates
  • No fees on the first overdraft occasion
  • Two free non-U.S. Bank ATM transactions for U.S. Bank Gold Checking

Platinum Package

 Customers with higher account balances who want to maintain their financial strength.
  • Preferred interest and loan rates
  • 50% monthly bonus on all rewards earned for net purchases
  • Unlimited free non-U.S. Bank ATM transactions

Every U.S. Bank Package includes:

  • U.S. Bank Package Checking Account
  • U.S. Bank Package Money Market Savings Account and/or any U.S. Bank Credit Card
  Silver Package Gold Package Platinum Package
Checking Account Features:      
Free U.S. Bank Internet Banking with Bill Pay checkmark checkmark checkmark
Free U.S. Bank ATM Transactions checkmark checkmark checkmark
Free U.S. Bank Check Card checkmark checkmark checkmark
Monthly fee $0 $6 (unless AutoPay, AutoInvest or Direct Deposit) $20 (unless combined balances of $25,000)1 
Free non-U.S. Bank ATM transactions2     2 per statement cycle Unlimited
Free Checks     checkmark
No Fees on 1st Overdraft3    checkmark checkmark
Earn cash back on all purchases (non-PIN) made with your U.S. Bank FlexPerksSM Cash Rewards Visa® Check Card. 4    checkmark checkmark
Earn extra rewards or an annual interest rebate on qualifying U.S. Bank Credit Cards. 5    checkmark checkmark
Save 25% on new U.S. Bank Home Mortgage origination fees. 6      checkmark
No fees on money orders, official checks, traveler's checks, stop-payment fees and more. 7      checkmark
Save on annual fees of new U.S. Bank Home Equity Lines of Credit. 8      checkmark

Every U.S. Bank Package includes:

  • U.S. Bank Package Checking Account
  • U.S. Bank Package Money Market Savings Account and/or any U.S. Bank Credit Card

  1. Combined deposit balances include personal checking, savings, CDs, IRAs and HSAs. Outstanding credit balances include personal purpose loans (some indirect not included), Home Equity Loans, Home Equity Line of Credit, Premier Line, U.S. Bank mortgage and credit cards.
     
    Back to Text
  2. A surcharge fee may be applied by the ATM owner.
     
    Back to Text
  3. Overdraft Items Paid or Overdraft Item Returned (NSF) fees waived upon first overdraft occasion in a 12-month period.
     
    Back to Text
  4. FlexPerks Cash Rewards Visa Check Card customers automatically earn 1/4% or 1/2% cash back on all purchases (non-PIN) depending on package. Must have a U.S. Bank Package to qualify for this benefit. Only signature based purchases qualify for rewards. Cash advances, ATM transactions and purchases made with a PIN do not qualify.
     
    Back to Text
  5. Reward bonus applies to U.S. Bank FlexPerks Select Rewards and Travel Rewards Visa Check Cards and/or Credit Cards and the FlexPerks Cash Rewards Visa Credit Card. Earn a monthly bonus on the rewards you earn for net purchases during the month. The interest rate rebate is paid annually in November and is based on the total interest that was accrued in the previous 12 months.
     
    Back to Text
  6. Maximum discount on a mortgage origination fee is $1,000 for new U.S. Bank Home Mortgages and a maximum of $300 on refinances of current U.S. Bank Home Mortgages.
     
    Back to Text
  7. No-fee banking privileges includes no U.S. Bank fees on overdraft protection transfers (through Reserve Line, credit card and another deposit account) money orders, official (cashiers) checks, counter checks, single-signer traveler's cheques, copies of checks and other items, copies of statements, and stop payment fees.
     
    Back to Text
  8. No closing costs or annual fees.
     
    Back to Text
  • A U.S. Bank Package Checking account and a U.S. Bank Package Money Market Savings account and/or a U.S. Bank Credit Card must be opened with the same accountholder names on each account to be eligible for a U.S. Bank Package and its benefits. To maintain Package benefits, these qualifying accounts must be open, active and in good standing.

    See the "Your Deposit Account Agreement" brochure, the Consumer Pricing Brochure and the Cardmember Agreement for additional information and terms governing your accounts. Other conditions and restrictions may apply; see your banker for details. Credit products are subject to approval and are offered though U.S. Bank, National Association ND and N.A. Deposit and mortgage products are offered through U.S. Bank, N.A., Member FDIC.

About Us

Need Help?

Manage Accounts

Customer Favorites

© 2010 U.S. Bancorp