Take control of your cash with the U.S. Bank Safe Debit Account.

This checkless debit account is particularly suitable for young adults or as a joint account between parents and their teen. Applicants aged 18 and over may open an account individually or jointly. Minors ages 13 through 17 may open a joint account with an adult.

Benefits of the Safe Debit Account include:

  • We’re able to keep the Monthly Maintenance Fee low by keeping the account simple. This fee cannot be waived.
  • The risk of overdrawing a debit card account is minimal. But if you do overdraw, there are no overdraft charges.2

Manage your Safe Debit Account as if it is a traditional checking account - minus the checks.

  • Use your U.S. Bank Visa® Debit Card to make payments wherever Visa is accepted.3
  • Make withdrawals through one of our thousands of ATMs or at a bank branch.
  • Make cash deposits through an ATM or at a bank branch.
  • Deposit checks at an ATM, at a branch or with the U.S. Bank Mobile App by using the camera on your smart phone.4
  • Send and receive money electronically with Zelle®.5
  • For the rare occasion you need a check, you can purchase a money order at a branch for a discounted rate of $1.65.

  • Set up direct deposit, transfer money between accounts and pay bills.6
  • Track spending by categories.
  • Create and easily track goals.
  • Opt-in and customize account notifications to stay informed about information that’s important to you.
  • Monitor all your accounts in one place – including accounts you hold with other banks.

With theTransUnion® CreditView™ Dashboard through online and mobile banking you can:7

  • See your VantageScore® 3.0 credit score and ranking.
  • Use Score Simulator to see an estimated credit score if you take certain credit actions.
  • Find helpful credit education information and resources.

The simplicity, low fees and special benefits of the U.S. Bank Safe Debit Account make it ideal for young adults and for joint accounts with minors aged 13 through 17.

  • If your child is 18 years or older, they can apply online individually or jointly.
  • If your child is 13 to 17 years old, you may open a joint account together online.

At U.S. Bank, we take the security of your accounts seriously.

  • We’re an FDIC insured bank, meaning your Safe Debit Account is covered up to $250,000.8
  • We offer the industry’s strongest available encryption.
  • Your account is protected by Zero fraud liability for unauthorized transactions.9
  • Your account has always-on security alerts to help protect you against fraud.

Frequently asked questions

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.

Making a mobile check deposit is easy with the U.S. Bank Mobile App.

  1. Sign your check.
  2. Open the app and select Deposit a check from the quick-action menu at the bottom of the Welcome screen, then select Deposit a check again.
  3. Choose an account and enter the amount of the check.
  4. Follow the prompts to take and upload pictures of the front and back of your check with your Smart phone or tablet.
  5. Verify the information and submit.

You'll receive an immediate email notification confirming that we've received your deposit and another when we've accepted it for processing.

Yes. Setting up direct depost is easy, especially with our automated setup. Once enrolled, direct deposit should take effect within one or two pay periods, though this can vary by employer.

Automated setup

  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.

Note: If you cannot find your employer or payroll provider in the list, then contact your employer’s Human Resources department for directions.

To pay your bills in the U.S. Bank Mobile App, log in to your account and select Transfer & pay in the bottom navigation. Then, select Pay bills, choose the bill you want to pay and select Pay.

Start of disclosure content

  1. No checks issued/use of checks is not permitted. Safe Debit Account subject to terms and conditions and fees and charges for select services. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions (PDF) and Safe Debit Account Pricing and Information guide (PDF).

  2. We will not charge you an Overdraft Paid Fee, but you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive.

  3. The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  4. Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

  5. To send and receive money in minutes with Zelle®, you must have an eligible United States bank account and have a United States mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions between enrolled consumers typically occur in minutes.

  6. Safe Debit Accounts are not eligible for recurring payments or expedited delivery and can only pay billers listed in our system who accept electronic payment.

  7. Free credit score access, alerts and Score Simulator through TransUnion's CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.

  8. FDIC insured to the maximum allowed by law.

  9. Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF) for details.

Start of disclosure content

Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company. 

end of main