U.S. Bank’s Easy Checking, the account scored for this review, requires just $25 to open. A $1,500 minimum balance or at least $1,000 in direct deposits is required to avoid the $6.95 monthly service fee.
U.S. Bank’s Platinum Checking bears interest for all daily balances. There is a $24.95 monthly service fee and you need at least $25,000 in deposits, credit balances or investments with the bank or have a personal trust relationship with a banker to avoid the fee.
Other options include Safe-Debit Checking for those who don’t need checks and are OK with paying the $4.95 monthly fee; Gold Checking, which has a $14.50 monthly fee that can be avoided if you have a U.S. Bank personal loan or credit card; and Student Checking.
U.S. Bank customers have access to Zelle to send money to others.
U.S. Bank has a large ATM network.
Its mobile banking app is highly rated.
Zelle is available to make person-to-person payments.