Safe Debit Account | Checkless checking | U.S. Bank (2024)

Because we keep it simple, you get just what you need:

• U.S.Bank Visa® Debit Card so you can pay wherever Visa cards are accepted.
• U.S.Bank Mobile App lets you bank on the go using your mobile phone.
• Mobile check deposit² helps you add money wherever you are, quickly and easily.

With a debit card, you're less likely to overdraw on your account. But in case you do, there are no overdraft charges.³

Set up account alerts to notify about low balances or unusual activity.

Use the U.S.Bank Mobile App to track your spending categories and set up alerts to monitor your balances.

Take advantage of free credit reporting⁴ tools to:

• Access the TransUnion^® CreditView^™ Dashboard.
• See your VantageScore^® 3.0 credit score and ranking.
• Use Score Simulator to see what affects your credit score and ways to fix it.
• Find helpful credit education information and resources.

Use our goal planner to help you estimate how much you’ll need for your next passion project, special trip, down payment on a home, or new addition to the family.

Use the Money Tracker tool, along with personalized insights, to monitor your spending across all your accounts as you save for the future.

Whether your child is off to college or moving up to high school, now’s the best time for them to build a solid financial foundation. A Safe Debit Account¹ can help.

If they’re 18 years or older, they can apply individually or jointly. To open a joint account online, have them simply select the Joint option when applying.
Here’s what they’ll need to open an account online.

If they’re 13 to 17 years old, they may open a Safe Debit Account¹ jointly with an adult. They’ll need to do so together online or in person at a branch.
Find a local branch or schedule an appointment.

We're an FDIC insured bank, which means you may be covered up to $250,000.⁵

It’s also protected with the industry’s strongest available encryption.
Zero fraud liability for unauthorized transactions.

Plus, you can set up account alerts to notify you about any unusual activity.

All the fine print you're looking for in one transparent, non-fine print list:

• Safe Debit Account Simple Snapshot - a bulleted list of benefits and fees
• U.S.Bank Safe Debit Account Terms and Conditions - the legal stuff
• Consumer Pricing Information (PDF) - all our deposit product pricing
• Your Deposit Account Agreement (PDF) - need-to-know U.S. Bank info

A checkless checking account is a debit account that, as the name suggests, does not use checks. When account holders want to make a purchase, they typically use either bank-issued debit cards or cash. Checkless checking accounts like the U.S.Bank Safe Debit Account¹ can reduce the risk of overspending and therefore do not need overdraft protection or the associated fees.

A Safe Debit Account¹ allows you to deposit money into your account in the same ways that you would with any U.S.Bank checking account. Easily add money to your account by either using one of our thousands of ATMs, going into a nearby bank branch, or by making a mobile check deposit² using the U.S.Bank mobile app.

Promptly notify the U.S.Bank Fraud Liaison Center at 877-595-6256 of the loss, theft or unauthorized use of your card or PIN. You may also notify the bank in person at any U.S.Bank branch.

Online banking allows you to easily access your Safe Debit Account¹ and all its benefits through your mobile browser on your smartphone. The U.S.Bank mobile app delivers a similar seamless experience with additional features like our Smart Assistant to help you manage your money quickly and securely.

A Safe Debit Account¹ offers special benefits to Young Adults ages 18 through 24 and Youth ages 13 through 17. Young Adults may apply for an account individually or jointly. Youth must apply jointly with an adult.

You can quickly and easily access your Safe Debit Account¹ and any of your U.S.Bank accounts by opening a mobile browser on your smartphone and going to www.usbank.com to log in. Or for a more robust experience, download the U.S.Bank mobile app.

Yes. When you open a Safe Debit Account¹, you get access to Zelle⁶, the simple and secure way to move money digitally, without the need to provide your bank account information. Instead, a person's email address or mobile phone number is used to send and receive money.

A credit score is a three-digit number that rates your creditworthiness. In the United States, there are two main types of credit scores — FICO^® and VantageScore^®. Although these agencies formerly had different scales, they have recently aligned to range from 300 to 850. The higher the score, the more likely you are to get approved for loans and get better rates. A Safe Debit Account¹ and access to the TransUnion^® CreditView^™ Dashboard can help you manage your credit score.

Yes. With our automated setup, enrolling in direct deposit is easy:

1. Search for your employer or payroll provider
2. Log in with your existing account
3. Done Your direct deposit update is seamless, secure and verified in real time.

A Safe Debit Account¹ is a checkless account, but you do have the option of purchasing a money order at a discounted rate for $1.65. If you will be needing checks frequently or if you’re interested in joining Smart Rewards^®, please consider our Bank Smartly Checking^® account.