U.S. Bank Gold Checking Account

You can avoid the $14.95 monthly fee on the U.S. Bank Gold Checking Account if you have a U.S. Bank personal line of credit, mortgage, home equity loan or line of credit, personal or purpose loan, or a U.S. Bank credit card. U.S. Bank Reserve Line of Credit, as well as U.S. Bank student loans aren't eligible for the monthly fee waiver.

There is no monthly fee on the Package Money Market Savings account, but a minimum opening deposit of $25 is required.

With the Package Money Market Savings account, you'll earn interest on your balance. The APY and interest rates vary based on the amount of money you keep in your Package Money Market Savings account balance, as well as your location. For balances up to $99,999, 0.01% APY and interest rates apply, after which (and up to $499,999) 0.05% rates apply.

As a member of the U.S. Bank Because You Earned It Program, you'll get full access to TransUnion CreditView Dashboard, which shows your credit score, which helps you monitor it more closely as you'll be able to analyze the factors affecting it, and see how your actions can help you change your credit score using the Score Simulator.

You'll also get 1 free express delivery of a replacement card if your U.S. Bank Visa Debit Card is ever lost or stolen.

To be eligible for the U.S. Bank Because You Earned It Program, you must:

• be 18+ years old,
• have a valid Social Security Number.
• have a VantageScore 3.0 credit score that meets the eligibility threshold,
• have a U.S. Bank Gold or Platinum Checking Account.

Do note that, even if you don't meet all the eligibility requirements, as a U.S. Bank Gold Checking customers, you may still receive limited benefits, but only if you own the account with someone who does meet all the requirements.

No, there aren't any membership fees to enroll in the U.S. Bank Because Your Earned It Program. All you need to do is meet the eligibility requirements.

If you meet the eligibility requirements, your Gold Checking will be automatically enrolled in the U.S. Bank Because You Earned It Program. However, you need to be enrolled in Online and Mobile Banking, so that you can access the CreditView site, and view your Because You've Earned It dashboard. 

With the Gold Checking Account, you'll get 100 free trades per year with a self-directed brokerage account through U.S. Bancorp Investments. This means you can trade up to 100 equities and exchange-traded funds (ETF) online free of charge, which would save you $495/year! (Each trade triggers a $4.95 fee.)

However, you also need to enroll in paperless documents for the self-directed brokerage account to be able to take advantage of the free trades offer.

Yes, you can open any U.S. bank deposit account, as well as mortgage, home equity, and credit products, knowing your deposits are FDIC-insured on up to $250,000.

You can visit a local U.S. Bank branch if you'd like to see a banker personally. You can also contact U.S. Bank by phone at 800-USBANKS (872-2657).

If you only want to learn more about their products and services, you can also check out U.S. Bank's online FAQs and other resources that can definitely be of use.