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Get smarter about banking.

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.

Apply as a young adult Apply as an adult with a youth

Take control of fees.

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.

Learn more about Smart Rewards

It’s never too early to start saving.

Start your financial journey on the right foot by opening a Standard Savings account.

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 minimum opening deposit is $25 and online applications can typically be completed in minutes.

Apply as a Young Adult Learn more

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.

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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.

Explore Financial IQ
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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.

Bank Smartly with U.S. Bank

Frequently asked questions 

Yes, if you want to use your student ID for PIN debit purchases and ATM withdrawals, you’ll need either a U.S. Bank Smartly Checking account or a Safe Debit account.

Speak with a banker at the U.S. Bank branch near you. Provide the 16-digit number that appears on your card and the banker will link it to your U.S. Bank checking account.

Report your card as lost or stolen as soon as possible. You’ll need to contact both your school’s card office and U.S. Bank. Call us at 800-USBANKS (872-2657) or you can call or visit a U.S. Bank branch.

To get a replacement card, visit your school’s card office. Some card offices may charge a replacement fee for lost or stolen cards. When you get a replacement card, visit a banker at any U.S. Bank branch to link your new card to your U.S. Bank account.

Get answers to other frequently asked questions and learn more about account services, features and benefits on our Checking customer resources page.

Take the next step

Get the app
Enroll in mobile & online banking
Find a branch
Make an appointment
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Disclosures

  1. ATM Transaction Fee.  U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge.  Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  2. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  3. The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

  4. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.

  5. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more. 

Start of disclosure content

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Take the next step

Get the app
Enroll in mobile & online banking
Find a branch
Make an appointment
Start of disclosure content

Disclosures

  3. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  4. The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

  5. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.

  6. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more. 

Start of disclosure content

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.