Yes, you can open most US Bank accounts online, but not all account types
US Bank lets you open a checking or savings account entirely online through their website or mobile app. You do not need to visit a branch. The process takes about 10 to 15 minutes and you can start using your account the same day in most cases.
However, some account types—like certain investment accounts, business accounts, or accounts that require a signature card—still require a visit to a branch or a phone call with a banker. If you already have a US Bank account, opening a second one online is faster because the bank already has your information on file.
The catch is that US Bank's online account opening is only available to people who are 18 or older and have a valid Social Security number. If you do not meet these requirements, you will need to go to a branch in person.
Key Takeaways
- US Bank checking and savings accounts can be opened online in about 10 to 15 minutes using a computer or phone.
- You will need a valid Social Security number, a government-issued ID, and a way to verify your identity (usually a phone number or email).
- Your account becomes active the same day, but you may need to wait a few business days before you can deposit checks or transfer money from another bank.
- Some account types, including business accounts and certain investment products, require you to visit a branch or speak with a banker by phone.
- If you already have a US Bank account, opening a second account online is faster because the bank already has your identity information.
What you need before you start
Gather these items before you begin the online process: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and a phone number or email address where US Bank can reach you. You will also need to know your current address.
US Bank will ask you to verify your identity during the signup process. This usually happens through a text message or email sent to the number or address you provide. Some applicants are asked additional questions about their banking history or credit report to confirm they are who they say they are.
If you are opening an account with someone else (a joint account), both account holders will need to complete the online process separately, and both will need to verify their identity.
The step-by-step process for opening an account online
Start by going to usbank.com and clicking the link to open a new account. You will be asked to choose the type of account you want—checking, savings, or money market. Select the account that fits what you need.
Next, enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. US Bank will run a soft credit check at this point, which does not affect your credit score. You will then be asked to create a username and password for your online banking login.
After that, US Bank will send a verification code to your phone or email. Enter that code to confirm you own the phone number or email address you provided. Once verified, your account is officially open and you can log in to see your account number and routing number.
You do not need to make an initial deposit to open the account, but you will need to deposit money before you can use the debit card or write checks. US Bank will mail your debit card to your address within 7 to 10 business days.
When your account is ready to use
Your account becomes active immediately after you complete the online process and verify your identity. You can log into online banking right away and see your account number and routing number. However, you cannot use your debit card until it arrives in the mail, which typically takes 7 to 10 business days.
If you need to move money into your new account, you can set up an external transfer from another bank. This usually takes 1 to 3 business days. You can also deposit checks using US Bank's mobile app if you have a smartphone with a camera, or you can visit a branch to deposit cash or a check in person.
Some features, like bill pay or setting up automatic transfers, may not be available for the first 24 hours after you open your account. If you run into a restriction, wait a day and try again, or call US Bank customer service at 1-800-872-2657.
Account types you cannot open online
US Bank business accounts, including sole proprietor accounts and accounts for LLCs or corporations, must be opened in person at a branch or over the phone with a business banker. The bank requires a signed agreement and proof of business registration, which is why the online process does not work for these accounts.
Certain investment accounts, including brokerage accounts and some retirement accounts, also require a phone call or branch visit. If you are interested in opening one of these accounts, call US Bank at 1-800-872-2657 and ask to speak with an investment specialist.
If you want to open a custodial account for a minor (someone under 18), you will need to visit a branch in person with the minor and a valid ID. The bank requires both the parent or guardian and the child to be present.
What happens if your online application is declined
US Bank may decline your online application if you do not pass the identity verification step, if there is a problem with your Social Security number, or if you have a history of fraud or unpaid accounts with US Bank or other banks. The bank does not always explain why an application was declined.
If your application is declined, you have two options: call US Bank at 1-800-872-2657 and ask a banker to review your application, or visit a branch in person. Sometimes a banker can override a decline or help you understand what went wrong. If you visit a branch, bring your ID and be ready to answer questions about your banking history.
If you were declined because of an error on your credit report or Social Security record, you can dispute that information with the credit bureau or the Social Security Administration. US Bank may reconsider your application once the error is corrected.
Fees and minimum balance requirements
US Bank checking and savings accounts do not have a minimum balance requirement to open the account. However, some accounts charge a monthly maintenance fee if your balance falls below a certain amount or if you do not meet other conditions, such as setting up direct deposit.
The specific fees depend on which account you choose. US Bank offers several checking accounts with different fee structures—some waive the monthly fee if you maintain a minimum balance, others waive it if you set up direct deposit, and some have no monthly fee at all. Review the account details before you finish opening your account so you know what to expect.
Overdraft fees, ATM fees, and other charges vary as well. US Bank charges a fee if you overdraw your account, and you may be charged if you use an ATM outside the US Bank network. Ask about these fees during the account opening process or check the fee schedule on usbank.com.
Frequently Asked Questions
How long does it take to open a US Bank account online?
The entire process takes about 10 to 15 minutes from start to finish. Your account becomes active immediately after you verify your identity, though your debit card will arrive in the mail within 7 to 10 business days.
Can I open a US Bank account online if I do not have a Social Security number?
No. US Bank requires a valid Social Security number to open an account online. If you do not have one, you will need to visit a branch in person and speak with a banker about your options.
Do I need to deposit money when I open my account online?
No. You can open the account without making an initial deposit. However, you will need to deposit money before you can use your debit card or write checks.
What if I want to add someone else to my account after I open it?
You can convert your account to a joint account by visiting a branch in person or calling US Bank at 1-800-872-2657. The other person will need to verify their identity and sign an agreement. You cannot add a joint account holder entirely online.
Can I open a savings account and a checking account at the same time online?
Yes. You can open multiple accounts in a single online session. After you complete the first account, US Bank will ask if you want to open another one. Both accounts will be active immediately after you verify your identity.