Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
If you chose to get online statements, the Monthly Service Fee is $ 24.95: This fee can be waived if you receive online statements +have combined account balances of over $25,000 or have a relationship with US Bank Trust Services
$24.95
Annual Percentage Yield (APY)
The account earns 0.005% interest for all balances
up to 0.005%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-Free access to your cash at all Money Pass ATM locations.
Yes
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:A text messaging service to receive alerts. A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;- A downloadable mobile application for iPhone, Blackberry, and Android to view account balances, view recent activity, transfer funds.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
Zelle-$0.00
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- Confirmation that bills have been paid;- Priority Online Account notifications (i.e., change of password);- When eStatement is ready.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free U.S. Bank logo checks or a 50% discount on all other personal checks for the life of the account.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $36.00 fee for a negative balance after 7 calendar days with less than a $0.00 balance. After that, this fee is assessed after every 7 days with a negative balance.
Yes
Initial Returned Item Fee
There is a $36.00 fee for each overdraft over $5.01.
$36.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $0.00;- Funds are transferred in fixed increments of $50.00.From a linked Credit Card Account:- Transfer fee of $0.00;- Funds are transferred in fixed increments of $50.00.From a linked Overdraft Line of Credit:- Transfer fee of $0.00;- Funds are transferred in fixed increments of $50.00.