Altra’s Free Checking Account offers lots of convenient features that make managing your account easy on you (and your wallet)! But there is one thing we don’t have – fees if you
don’t keep a minimum balance. Opening an account is easy online or stop into one of our many branches. Already have checking elsewhere? No problem, use our Checking Switch Kit to move your account! Check It Out!
Other Account Features
Checking ComparisonIn addition to our free checking account, we also offer checking accounts which pay competitive dividends allowing you to earn money off of your balance. We also offer checking accounts specifically with our youth members in mind. Compare our checking accounts to see which is best for you. Open a New Checking Account Today! Visit Your
U.S. Bank Smartly™ Checking accountAn interest-bearing checking account that’s eligible for Smart Rewards™ Monthly maintenance fee$6.95 or $0 There are multiple ways to get the monthly maintenance fee waived.1 Safe Debit account2A bank account minus the checks with no overdraft fees Monthly maintenance fee$4.95 Monthly maintenance fee can’t be waived
Checking account benefitsBank Smartly and Safe Debit account holders enjoy:
Bank Smartly™ Checking account holders can enroll in Smart Rewards™ to reap additional benefits. Note: Safe Debit accounts are not eligible for Smart Rewards.™ Take action to get Overdraft Paid Fees waived.Let’s face it – overdrafts can happen. With Overdraft Fee Forgiven, U.S. Bank Smartly™ Checking account holders may qualify for an Overdraft Paid Fee waiver. If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee. If your Available Balance is overdrawn by $50.01 or more, you’ll have extra time to potentially have the Overdraft Paid Fees waived with Overdraft Fee Forgiven.4 Note: Safe Debit accounts are not eligible for Overdraft Fee Forgiven. 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:
Apply online.Easy, fast and secure - apply in minutes with an opening deposit of $25. All our accounts can be opened jointly. Simply select the Joint option when applying. Over 18 and interested in opening your first bank account? Here’s what you need to know. Want to open an account for a minor? Learn how. Rest easy. We’ve got you covered.Your money and data are protected with:
Take control of your financial wellness.Bank Smartly™ with U.S. Bank by tapping into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness. Download the U.S. Bank Mobile App and explore ways to manage cash easily, move money safely and save and spend wisely. Grow your financial knowledge.Financial IQ has an abundance of interesting and relevant articles, videos, quizzes and more that can help you grow your financial knowledge. Here are just a few of the resources you’ll find.
How to choose a bank accountWith so many available options, it can be difficult to choose a bank account that best fits your needs. Our Money Mentor can help.
How to spend money wiselyWhether you’re a financial pro or just starting your financial journey, mindful spending habits will keep you on the right track.
How to balance your checkbookAvoid overdraft charges and minimize the risk of fraud by keeping your checking account balanced. Ready to get started?Start of disclosure content Disclosures
Start of disclosure content Investment and insurance products and services including
annuities are: U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. For U.S. Bancorp Investments, Inc.: Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank National Association. U.S. Bank is not responsible for and does not guarantee the products, services, performance or obligations of its affiliates. 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. Equal Housing Lender Can I open a checking account without depositing money?The short answer is yes. You don't need a deposit to open a bank account, if you choose a bank that doesn't require one. A handful of online-only banks and banks with online banking do not require a deposit. Just make sure to review the features, terms, and fees of the bank to determine if it's the right one for you.
What bank can I open with no money?A few options include Ally, Simple, and Moven. Each of these banks has no monthly fees and no minimum balance requirements. They also offer features like online and mobile banking, as well as ATM access.
What bank gives you money just for opening an account?Best checking account bonuses. Citibank: up to $2,000 bonus.. Fifth Third Bank: $250 bonus.. BMO Harris: up to $350 bonus.. SoFi: up to $300.. TD Bank: up to $300.. M&T Bank: up to $200 bonus.. Chase Bank: $200 bonus; $100 bonus for college students.. Huntington National Bank: up to $300 bonus.. What banks can I open online free?Bankrate's picks for the top free checking accounts. NBKC Bank, Everything Account: 1.01% APY; $0 minimum opening deposit.. Ally Bank, Interest Checking Account: 0.10%-0.25% APY; $0 minimum opening deposit.. FNBO Direct, Online Checking Account: 0.15% APY; $1 minimum opening deposit.. |