U.S. Bank Safe Debit Account is an alternative to a traditional checking account. It’s a bank account with no checks and lots of advantages. Find common fees below. Or for a complete list of account terms, policies and pricing refer to the U.S. Bank Safe Debit Account Terms and Conditions (PDF), the Safe Debit Account Pricing and Information (PDF) guide, the Digital Service Agreement, Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure.
Minimum opening deposit:
$25
Monthly maintenance fee:
$4.95
Waive monthly maintenance fee:
This fee cannot be waived.
Transactions – U.S. Bank ATMs:
$0
Transactions – non-U.S. Bank ATMs:
$2.50. Additionally, non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network.1
ATM and debit card overdraft coverage:
Overdraft services are not available with the Safe Debit Account. U.S. Bank will not authorize or pay overdrafts on ATM and everyday debit card transactions. These transactions may be declined if there is not enough money in your account, and you will not be assessed overdraft fees. For more information, see the U.S. Bank Safe Debit Account Terms and Conditions (PDF) and the Safe Debit Account Pricing and Information (PDF).
Automatic bill payments and recurring debit card transactions:
These items will not be paid if you do not have enough money in your account and Overdraft Paid Fees will not be assessed. However, you may incur merchant fees for unpaid items.
Overdraft Paid Fees:
No fee
Minimum overdrawn balance threshold:
Not available
Daily maximum:
Not available
Overdraft protection:
Not available
Overdraft Protection Transfer Fee:
Not available
Transaction posting order:
Transactions are generally processed in the following order on the business day they are received:
Branch deposits and ATM deposits:
Please refer to the U.S. Bank Your Deposit Account Agreement (PDF) for details regarding the U.S. Bank funds availability policy.
Direct deposits and wire transfer deposits:
Same business day
Online banking:
$0. View and manage your accounts through usbank.com.
Anytime credit score access:
$0. View your credit score and use the simulator tool to see how certain actions affect your score. Free credit score access, alerts and score simulator through TransUnion's CreditView Dashboard® are available to U.S. Bank online and mobile banking clients 2
Bill pay:
$0. Electronic payments are processed within one to two days.
Account alerts:
$0. Customize your own alerts to stay informed about important account activity. Message frequency depends on account settings.
For text alerts, standard messaging charges apply through your mobile carrier. Check with your carrier for specific fees and charges.
Mobile banking:
$0. View and manage your accounts through the U.S. Bank Mobile App or the mobile website.
Send money:
$0. Send, receive and request money with Zelle® using an email address or U.S. mobile number.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
External transfers:
Inbound transfers:
Outbound transfers:
Transfer money to or from your accounts at other financial institutions. Eligibility requirements and restrictions apply.
E-bills:
$0. Set up electronic versions of your paper bills and get them delivered directly to your online banking inbox.
Debit card cash advance:
$2. Assessed when performing a cash advance with a teller at any financial institution that accepts Visa®
Stop payment:
$35 (ACH only)