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We’re here for you. And yours.
Wherever you are in life,
we’ve got an online bank account designed to make it more rewarding.
All the stuff you want.
Whichever online bank account you choose, we keep the terms simple, the rewards high and the service stellar.
ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.Checking Account
Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.watch your money grow Online Savings Account
Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding. Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,12 mo lock in long-term earnings Certificate of Deposit
None us bank new account the sneaky stuff.
We're an online bank that says goodbye to gimmicks, gotchas and fees.
Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,+ ATMs in our no-fee network.
- No monthly fees on any account.
- No insufficient funds or overdraft fees.
For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.
- No minimum balance.
For Discover Bank Cashback Debit and Online Savings Accounts.
Discover® Cashback Debit, NerdWallet’s winner for Best Checking Account with No Monthly Fee
NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
“Discover’s high-yield savings account is among the best in its online class.”
“Discover Bank is an online bank providing one of the most attractive checking account offers in the industry. With it you can earn cash back on debit card purchases, while paying no monthly fees.”
“Most of the time, Discover Bank is on our list of the best high yield savings accounts and our list of the best money market accounts.”
"Discover Bank offers a broad range of products, including checking and savings accounts, money market accounts, and CDs with maturity dates between three months and 10 years."
Easy to find.
See which of our over 60, no-fee ATMs are at the stores you already frequent.
Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at
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Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.
- It’s easy to use. Send to friends, family and people you trust with a bank account in the U.S.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.
- Money moves fast. Just tell us who to pay and how much – the money’s on its way in minutes.
Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.
To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.
- You’re protected. We won’t share any of what credit score you need for amazon credit card bank account information with your recipient.
- No fees. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.
See Zelle FAQs
Easy to love.
Online banking, now as simple as everything else you do on your phone.
EASY ACCESSMOBILE CHECK DEPOSITSIMPLE TO USEQUICK VIEW
Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.
For more information regarding the Discover Bank Mobile Check Deposit Service, click here.
Face ID is currently available to iOS users.
Enable Quick View to check your account balances without logging in each time.
Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.
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Opening an online bank account couldn’t be simpler.
- Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
- Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
- Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.
We've got your back.
Our friendly customer service is available 24/7.1 () Click here to Call us at
5 Online Banking Myths Debunked
Put your online banking knowledge to the test and see if you've fallen for one of these common myths.
“If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”
– Miguel A. Suro, founder of financial blog The Rich Miser
Read full article
What is Zero-Sum Budgeting and Can It Work for You?
If you want a thorough budget that will put every dollar to work for you, zero-sum budgeting might be the answer.
Choosing a budgeting system is a lot like choosing the right approach to rehabbing or remodeling your home. You might spend months looking for the right contractor or figuring out how to do it yourself. The zero-sum budget, also known as the zero-based budget, can provide a holistic solution to revamping your finances.
Read full article
What Happens to Mortgage Rates When the Fed Cuts Rates?
Your guide to understanding how a Fed rate cut could impact your mortgage as a homeowner or prospective buyer.*
*This should not us bank new account considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.
“If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthly payments.”
– Emily Stroud, financial advisor and founder of Stroud Financial Management
Read full article
Banking that’s on your side, north and south of the border.
BMO makes banking easy north and south of the border. Whether you’re a frequent visitor to the United States or enjoy extended stays, we offer Canadians products and services that make cross-border banking seamless. Live, vacation, shop or study in the United States and have your financial needs met.
Whether you’re a frequent visitor to the U.S. or enjoy extended stays, BMO Bank of Montreal and our U.S. subsidiary, BMO Harris, offer Canadians products and services that make cross-border banking seamless.
BMO® U.S. Dollar Account
- Ideal for frequent travellers to the United States
- Choose between a chequing and savings account
- Open at no extra cost under your existing BMO Everyday Bank Plan2
- Easily transfer funds to and from your BMO Canadian dollar account
- Use your account to pay your BMO Bb gel nail. Dollar MasterCard®* card
BMO Harris Personal Checking Account4
- Meets your everyday U.S.-based banking needs, like making deposits, writing cheques, accessing cash, and paying bills.
- Sign up for BMO Harris Online Banking to stay up-to-date on account activity, including viewing online statements and cheque images.
- Access to BMO Harris Bill Pay to automatically receive and pay U.S. bills even when you’re away from home5
- Get a BMO Harris Debit MasterCard card with chip capabilities and no transaction fees at BMO Harris ATMs.
Two easy ways to open a BMO Harris account
- Call the BMO Cross-Border Banking Hotline from Canada or the United States at
- Visit one of the over BMO Harris branches in the United States.
Tip: To open a BMO Harris personal deposit account before arriving in the United States, call the BMO Cross-Border Banking Hotline at least three weeks before your departure.
BMO Harris offers:
- Lending solutions to qualifying customers purchasing residential property in the United States6.
- Step-by-step help with the U.S. mortgage financing process.
- A mortgage credit decision based on Canadian credit history.
BMO Travel Insurance
Whether you’re heading south for a short or long stay, find the plan to help you meet your travel insurance needs. Single and Multi-Trip coverage options provide different variations of the following benefits: protecting you if your baggage gets lost, flights are delayed, or you have a medical emergency while you’re away from home. With BMO Travel Insurance you’ll have access to a worldwide network of medical and travel insurance specialists available 24/7, ready to assist you if you need them.
Whether you’re heading south for a short or long stay, find Single and Multi-Trip coverage options to help meet your travel insurance needs.
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Tools and Resources
Transfer money between your BMO
and BMO Harris accounts
BMO Harris Total Look
Transfer money between your BMO and BMO Harris accounts
Transfer money between your BMO and BMO Harris accounts
From Canada to the United States
- Transfer funds from your BMO U.S. Dollar Account to your eligible BMO Harris personal deposit account at no additional cost through BMO Online Banking7.
- Transfer up to US$25, per transaction.
- Funds will be credited to your eligible BMO Harris personal deposit account within two business days7.
From the United States to Canada
- Visit a BMO Harris branch to initiate a wire transfer of U.S. dollars from your eligible BMO Harris personal deposit account to your BMO account.
- The BMO Harris international outgoing wire transfer fee is waived, additional fees will apply8.
BMO Harris Total Look
BMO Harris Total Look
- A free online tool that gives BMO Harris Online Banking customers a consolidated view of their BMO and BMO Harris accounts.
- An easy and convenient way to access your accounts whenever you want and wherever you are.
Visit our FAQs
Checking that works for you
Personal checking with basic banking must-haves
MONTHLY MAINTENANCE FEE
$ or $0
How to waive the fee
Extra benefits for U.S. Bank credit card and loan customers
MONTHLY MAINTENANCE FEE
$ or $0
How to waive the fee
Personal checking with features just for students
MONTHLY MAINTENANCE FEE
No monthly maintenance fee
Safe Debit Account1
A bank account minus the checks with no overdraft fees
MONTHLY MAINTENANCE FEE
Monthly maintenance fee can’t be waived
Ways to waive the monthly maintenance fee
Have combined monthly direct deposits totaling $1,+.
Keep an average account balance2 of $1,
The account holder(s) is age 65 or older.
Have an open U.S. Bank personal loan, line or credit card.3
Have $25, in combined personal deposits, credit balances4 with U.S. Bank and/or investments* through U.S. Bancorp Investments.
Have a personal trust relationship with U.S. Bank Wealth Management.
The account holder is a current or former member of the Armed Forces. Learn how U.S. Bank supports those who serve.
All our checking accounts include:
- Branches in more than 25 states
- One of the largest ATM networks in America
- No surcharges at MoneyPass® Network ATMs5
- Find a Branch or ATM near you in the app or at mynewextsetup.us
Want help choosing the right account?
No problem. Just answer a few questions to see what account might work for you.
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Choose the accounts you want to compare and see all of their benefits and features.
Need more information about bank accounts? We’re happy to help.
Opening a bank account for the first time
You’re ready to open your first bank account! But you have a few questions. Take a scroll through our infographic for the things you’ll need and numbers to know.
Prepare to open your first account
How to practice mindful spending
Whether you’re a financial pro or just starting out in your money journey, mindful spending habits will keep you on the right track – especially in an ever-changing economy.
Get in the money mindset
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Banking that has your back.
Whatever your next step is in life, we’ve got your personal banking covered.
Whether you’re saving up for something big or keeping track of day to day expenses, these types of bank accounts can help you turn your goals into accomplishments.
Get help managing your money and growing it wisely with these banking programs.
Explore online account features.
Bank when and where you want with digital banking us bank new account to make managing your money fast, easy and secure.
Access your account digitally, wherever you are.
In the app or online, our digital banking tools make managing your money fast and easy.
Digital security guarantee
Know your money is safe.
You’re protected from unauthorized use of your accounts and more.
Learn more about personal finance.
Check out these helpful articles to find answers to common money questions or brush up on your financial knowledge.
Opening a bank account
Here are some key numbers to keep in mind.
Managing your checking account
Monthly maintenance helps you spot errors and understand your spending.
Savings account interest rates
Learn the myths vs. facts about how to grow your money.
Frequently asked questions
Visit our checking account information page to find answers to common account questions and learn about banking options, account features and services.
You must provide your full name, physical address (where you live), date of birth, occupation, Taxpayer Identification Number us bank new account and government issued photo identification when processing cash transactions.
Yes. Our online banking security uses advanced encryption and monitoring technology to ensure your information stays safe and secure. And to keep your personal information confidential, we have strict policies and procedures in place. Only you have access to your accounts with your username and password. We strongly suggest you don’t share your username, password, PIN or account number with anyone. U.S. Bank will never request this type of information via email.
Our Digital Security Guarantee is another way we protect our customers from fraud loss. Our online banking is so secure that we'll cover any losses due to unauthorized use of your account, provided you notify us in a timely fashion when you notice any suspicious activity.
All of our checking accounts have the option to apply jointly.
To open a joint checking account, simply select the Joint option when applying. Both you and your co-applicant will need to provide a Social Security number, income information and other details.
You need to be 18 years or older and a legal U.S. resident.
There’s also some info you’ll need to provide when opening a checking account.
How To Open A Bank Account As A Non-U.S. Citizen
A bank account can help set a solid foundation for your financial life. Fortunately, a non-U.S. citizen can open a bank account in the U.S. However, they may need to come up with different identification than U.S. citizens who are trying to open a bank account.
Under the USA PATRIOT Act, banks, credit unions and some other financial institutions must check the identity of anyone who wants to open a bank account. Federal lawmakers imposed that requirement following Sept. 11, to combat the funding of terrorist activities. Foreign terrorists who carried out the 9/11 attacks used U.S. bank accounts to fund their mission.
When you apply to open a checking or savings account at a bank or credit union in the U.S., the financial institution will need to verify your name, date of birth, address and ID number. If you’re a non-U.S. citizen, ID requirements may not be identical to those for a U.S. citizen, though.
Keep in mind that a financial institution may let a non-U.S. citizen open an account, but not all banks extend that ability to a non-resident alien. For tax purposes, the IRS defines an alien as someone who is not a U.S. citizen or U.S. national. A non-resident alien has not passed the green card test or the “substantial presence” test.
Requirements for Opening a Bank Account
A bank or credit union’s general requirements to open an account may include:
- Your contact information, such as name, address and phone number
- At least two forms of government-issued ID, such as a valid driver’s license or passport
- Social Security number or Individual Taxpayer Identification Number (ITIN) (If you’re a non-citizen and don’t have a Social Security number, you’ll likely need to have an ITIN.)
- Utility bill with current address
- Cash deposit (normally $25 to $)
Requirements may vary depending on the state or financial institution.
Whether you’re a U.S. citizen or non-U.S. citizen, you typically must be at least 18 years old to set up a checking or savings account and typically must have a U.S. address. It also is possible for an undocumented immigrant—a foreign-born person who has no legal right to be or remain in the U.S.—to open a bank account in the U.S. Key requirements include having an ITIN and a U.S. address.
In most cases, a non-U.S. citizen cannot open an account online. Instead, you’d need to visit a branch for a bank or credit union to open an account. Santander Bank, for example, accepts online applications only from U.S. residents or resident aliens who have a Social Security number or ITIN.
Alternatives for Identification
Banks and credit unions typically accept alternative forms of ID for non-U.S. residents.
For instance, if you don’t have a Social Security number, you may be able to obtain an ITIN that can be used to open an account. The Social Security Us bank new account issues nine-digit Social Security numbers, while the IRS issues nine-digit individual ITINs. ITINs are available only to certain non-resident and resident aliens, their spouses and their dependents who can’t get a Social Security number.
Some financial institutions won’t accept an ITIN in place of a Social Security number.
Requirements for other types of ID from non-U.S. citizens can vary among banks and credit unions. Bank of America, for example, spells out these identification requirements.
For a primary ID, Bank of America wants one of the following:
- Foreign passport with or without a visa.
- U.S. non-immigrant visa and border crossing card.
- Mexican, Guatemalan, Dominican or Colombian consular ID.
- Canadian citizenship certificate card.
For a secondary ID, Bank of America asks for one of the following:
- Foreign driver’s license (or U.S. driver’s license).
- U.S.-issued work ID card or open business bank account online free or major credit card bearing a Visa or Mastercard logo.
- Retail credit card from a nationally known company.
- Major retail credit card from a nationally well-known company.
- U.S. State Department ID.
- Mexican voter registration card.
Some banks or credit unions may accept an alien registration number card from a non-U.S. citizen who’s trying to open an account. The seven- to nine-digit alien registration number can be found on various documents, such as a green card, from the U.S. Citizenship and Immigration Services.
How To Apply for an ITIN
Here are the steps for getting an ITIN:
- Fill out a W-7 application form and submit it to the IRS along with your completed tax return. You don’t need to apply for an ITIN at an IRS location. However, you can file the application in person.
- Submit original documents that verify your identity and your status as a foreigner. The IRS accepts 13 documents for this verification us bank new account and Credit Unions That Accept Alternative IDs
Many large banks in the U.S. accept alternative IDs from a non-U.S. citizen trying to open an account. These include Bank of America, Chase, TD Bank, US Bank and Wells Fargo.
Some credit unions also accept alternative forms us bank new account ID. The more than banks and credit unions affiliated with the BankOn platform, which helps low- to moderate-income people set up bank accounts, also may accept alternative IDs.
Alternative Accounts for Non-U.S. Citizens
If you’re a non-U.S. citizen who can’t qualify for an account at a U.S. bank or credit union, you might consider these options:
- Rely on a bank in your home country. Some foreign banks have relationships with U.S. banks. If your bank is one of them, it might be able to help you open an account at a U.S. bank.
- Open an offshore account. This type of account, also known as an overseas account, is at a bank that’s not in your home country or in the country where you’re living. The income and deposit requirements for these accounts can be quite high, though.
Benefits of Opening a Bank Account
Opening a bank account comes with a number of benefits. These may include:
- Gaining financial security. Most checking and savings accounts are insured up to certain limits by the Federal Deposit Insurance Corp. (FDIC) or the National Credit Union Administration (NCUA).
- Using debit cards. Many banks and credit unions offer debit cards to accountholders. With a debit card, you can withdraw money from an ATM, make an online purchase or pay for in-store purchase.
- Getting access to direct deposit. This enables your paycheck to automatically go into your account.
- Paying bills. You may be able to pay bills by check or online, rather than purchasing money orders to pay them.
- Building a financial history. Putting better habits in place us bank new account help you borrow money to, for instance, buy a home or a car.
- Boosting your chances of getting a loan. If you have an account at a bank or credit union, that financial institution may be more likely to lend money to you because you already have a relationship with them.
- Avoiding fees. With your own bank account, you don’t have to depend on pricey check-cashing services.
While it may require a bit more time and effort to open a U.S. bank account as a non-U.S. citizen, the benefits of doing so outweigh the steps required. It also will pay to shop around, as different banks have different practices and requirements for opening a first U.S. bank account.
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Before you go, be sure you know:
Bank when and where you want.
With U.S. Bank mobile and online banking, convenient control of your money is always within reach.
Right here, right now
Need to deposit a check? Send money to a friend? Pay your bills on time? Explore additional account solutions? Our secure digital banking tools make managing your money fast and easy. In the U.S. Bank Mobile App or online, it's all at your fingertips – right here, right now.
Move money in and out with ease.
Deposit checks anywhere, anytime.
With free mobile check deposit3 in the U.S. Bank Mobile App, depositing checks is as simple as point, click, done.
More about depositing checks
Master monthly bills.
Manage and pay bills in one place with one secure password. Taking control is easier than you think with U.S. Bank bill pay.
More about paying bills
Send, receive and request money.
Zelle® makes it easy to send,4 receive and request5 money with friends, family and others you trust – even eligible businesses.6
More about Zelle®
Monitor and manage cards and credit.
Manage credit and debit cards.
Securely activate and manage your cards with simple, do-it-yourself controls. It's fast, easy and secure – online or in the app.
More about card controls
Keep tabs on your credit score.
View your credit score for free anytime through TransUnion's CreditView™ Dashboard.7 Plus, get helpful tips on building and maintaining great credit.
More about your free credit score
Let us show you how.
New to digital banking or just need a little help with a particular feature? We’ve got you covered. The U.S. Bank Digital Explorer is packed with simple, interactive tutorials to help you get more familiar with banking on your mobile phone or computer.
Visit U.S. Bank Digital Explorer 2427 van ness ave national city ca 91950 digital banking education from Financial IQ
Stay on budget with a mobile banking app.
Learn how a good mobile app can help you track your spending, watch your balances and manage your budget.
3 awkward situations Zelle can help you avoid
Money matters can be uncomfortable – but with Zelle, you can settle up with grace.
Pay bills online the right way.
Know your online options and choose the bill payment solution that works best for you.
Frequently asked questions
Yes. Our online banking security uses advanced encryption and monitoring technology to ensure your money stays safe and secure. And to keep your personal information confidential, we have strict policies and procedures in place. Only you have access to your accounts with your username and password. We strongly suggest you do not share your username, password, PIN or account number with anyone. We’ll never request this type of information via email.
Our Digital Security Guarantee is another way we protect you from fraud loss. Our mobile and online banking is so secure that we'll cover any losses due to unauthorized use of your account, provided you notify us in a timely fashion when you notice any suspicious activity.
For mobile and online account access, you’ll need to complete a one-time enrollment process. To get started, gather your U.S. Bank card or account number and PIN along with your Social Security Number. If you don’t have a PIN or need a new one, please contact Hour Banking at USBANKS ().
If you’re enrolling in mobile and online banking to access your business accounts, you’ll need an ATM or debit card. You can apply for these at a branch and use your PIN to log in to mobile or online banking. Next, create a unique username and password to log in securely in the future. Just follow the instructions on the enrollment page.
You can change your password anytime. Select My Profile under Customer Service in the main menu at mynewextsetup.us, then look for Password in the Login Preferences section.
In the U.S. Bank Mobile App, open the main menu and tap your name at the top of the list. This will bring you to the My profile screen, where you can us bank new account your password.
If bmo harris bank wausau wi hours forget your username, password or the answers to your security questions, use the login assistance tool. You’ll also find links to help with username and password retrieval in the Log In section at mynewextsetup.us
In the U.S. Bank Mobile App, tap Login help on the login screen.
Most account information is updated in real time as transactions are processed throughout the day. Mobile and online banking offers you the most current balance and transaction information available.
To set up account alerts, log in to mynewextsetup.us and select My Alerts under Customer Service in the main menu. Open the Account Alerts tab and choose Add alerts at the right side of the page. Then you can select the account alerts that will best help you manage your accounts.
To set up account alerts in the U.S. Bank Mobile App, open the main menu and tap Notifications. Then, select Account to begin choosing the alerts you want.
These alerts will notify you, via email or text message,2 of important account activity such as:
- Low or negative checking account balances
- Deposits or withdrawals
- Online statement availability
- Payments that are posted or due
You can delete, modify or change your alerts at any time.
Yes. Your U.S. Bank checking, savings, money market and U.S. Bancorp Investments brokerage accounts are eligible to send and receive external transfers.1 For more information, visit our transfers page.
Currently, you can make external transfers only in online banking. This feature will be added to the U.S. Bank Mobile App soon.