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This web page contains information captured from U.S. Bank's web site, reformatted for the convenience of U.S. Bank customers.

This information is provided on a good faith basis and is believed to be accurate as of the date of posting, but no guarantee is made. For authoritative information, please refer to the U.S. Bank web site. 

Service Fees – Tennessee 
Effective February 13, 2006 

 
SAVINGS & MONEY MARKET ACCOUNTS  
Standard Savings
Minimum Opening Balance: $100
Monthly Maintenance Fee: $4
Requirement to Waive Monthly Maintenance Fee: $300 minimum daily ledger balance or $1,000 average monthly collected balance
Interest Tiers: None
Checks: N/A
Withdrawal Limit Fee: 3 free per account cycle, then $0.50 each
U.S. Bank ATM Transactions(5): Free
Statements: Quarterly; can be linked to monthly checking statement
Other: Interest compounded daily, paid quarterly

Goal Savings
Minimum Opening Balance: $0
Monthly Maintenance Fee: None, with a minimum $25 automatic monthly transfer from a U.S. Bank checking account per statement cycle
Interest Tiers: $0 - $999; $1,000 - $9,999; $10,000 - $24,999; $25,000 +
Checks: N/A
Withdrawal Limit Fee: 1 free per account cycle, then $1.00 each
U.S. Bank ATM Transactions(5): Free
Statements: Monthly; automatically linked to checking statement
Other: Interest compounded daily, paid monthly
Must have U.S. Bank checking account to qualify
Account can be named to reflect savings goal

Money Market
Minimum Opening Balance: $100
Monthly Maintenance Fee: $10
Requirement to Waive Monthly Maintenance Fee: $1,000 minimum daily ledger balance or $2,500 average monthly collected balance
Interest Tiers: $0 - $999; $1,000 - $9,999; $10,000 - $24,999; $25,000 +
Checks: Write up to 3 per account cycle; free check safekeeping(9)
Withdrawal Limit Fee: 6 free per account cycle, then $0.50 each
U.S. Bank ATM Transactions(5): Free
Statements: Monthly; can be linked to checking statement



Maximum Money Market
Minimum Opening Balance: $100
Monthly Maintenance Fee: $15
Requirement to Waive Maintenance Service Fee: $10,000 minimum daily ledger balance
Interest Tiers: $0 - $4,999; $5,000 - $9,999; $10,000 - $24,999; $25,000 - $49,999; $50,000 - $99,999; $100,000 +
Checks: Write up to 3 per account cycle; free check safekeeping(9)
Excess Deposited Items: $0.25 > 50 
Withdrawal Limit Fee: 6 free per account cycle, then $1.00 each
U.S. Bank ATM Transactions(5): Free
Statements: Monthly; can be linked to checking statement
Other: A U.S. Bank checking account and $10,000 money from a source outside of U.S. Bank required to open.
Free cashier's checks
Free money orders
Free single signer traveler's cheques

Withdrawal Limit Fee
The withdrawal Limit fee applies to all checks and preauthorized, ATM, mail, and over-the-counter withdrawals. This is in addition to any excess withdrawal limit fees that may be applied based on federal reglations as described below.

Federal Regulations Governing Savings and Money Market Transaction Limitations
Preauthorized withdrawals (transfers by telephone, wire or PC, overdraft protection, automatic payments, or checks) are limited to a combined total of six per account cycle as prescribed by federal regulations governing savings accounts. Federal regulations allow three of these six transactions per account cycle to be check withdrawals. Transactions which exceed federal regulations will be charged $15 per transaction. If account limitations are continuously exceeded, the savings account will be closed or converted to a checking account as required by federal regulations.

Additional Savings and Money Market Disclosures
See the Current Deposit Rates for disclosures on rates, compounding and crediting, and other balance information. Savings accounts are also subject to the fees listed in the Other Fees section. The average collected balance is calculated by adding the principal in the account for each day of the month and dividing that figure by the number of days in the period.

 
CHECKING ACCOUNTS 
Elite Checking
Minimum Opening Balance: $100
Monthly Maintenance Fee: $15
Requirement to Waive Monthly Maintenance Fee: $5,000 minimum daily ledger balance OR $50,000 combined consumer average monthly collected deposit(2) balances (checking, savings, CDs, money market, IRAs) OR $50,000 U.S. Bancorp Investments, Inc., balances(4) OR existence of a trust relationship
Interest Bearing: Yes
Interest Tiers: $0 - $999; $1,000 - $9,999; $10,000 - $49,999; $50,000 - $99,999; $100,000 +
Check Writing: Unlimited
Check Return: Free check safekeeping or check images (8)
U.S. Bank ATM Transactions(5): Free (includes free non-U.S. Bank ATM transactions)
Check Order Discount: Free U.S. Bank logo style checks or a 50% discount on most other styles
Other: Free Check Card with Checking That Pays®
Free single signer traveler's cheques
Free cashier's checks
Free money orders
$15 annual safe deposit box discount

Interest Plus Checking
Minimum Opening Balance: $100
Monthly Maintenance Fee: $13
Requirement to Waive Monthly Maintenance Fee: $2,000 minimum daily ledger balance OR $4,000 average monthly collected balance OR $5,000 combined consumer average monthly collected deposit(2) balances (checking, savings, CDs, money market, IRAs) OR $15,000 combined outstanding consumer credit(3) balances OR $5,000 U.S. Bancorp Investments, Inc., balances(4)
Interest Bearing: Yes
Interest Tiers: $0 - $999; $1,000 - $9,999; $10,000 - $24,999; $25,000 +
Check Writing: Unlimited
Check Return: Free check safekeeping or check images (8)
U.S. Bank ATM Transactions(5): Free
Check Order Discount: Free U.S. Bank logo style checks or a 50% discount on most other styles
Other: Free Check Card with Checking That Pays®
50% discount on new safe deposit box - first year only

Free Checking with Interest*
Minimum Opening Balance: $100
Monthly Maintenance Fee: $0
Requirement to Waive Monthly Maintenance Fee: None
Interest Bearing: Yes
Interest Tiers: $0 - $1,999; $2,000 - $9,999; $10,000 - $24,999; $25,000 +
Check Writing: Unlimited
Check Return Fee: Free check safekeeping(6)
U.S. Bank ATM Transactions(5): Free
Check Order Discount: None
Other: Free Check Card with Checking That Pays®
*Free Checking is also available as a non-interest bearing account.

Silver Elite Checking (55+)
Minimum Opening Balance: $100
Monthly Maintenance Fee: $0
Requirement to Waive Monthly Maintenance Fee: None
Interest Bearing: No
Interest Tiers: $0-$1,999; $2,000-$4,999; $5,000-$9,999; $10,000-$24,999; $25,000-$49,999; $50,000 and above
Check Writing: Unlimited
Check Return: Free check safekeeping or check images (8)
U.S. Bank ATM Transactions(5): Free (includes non-U.S. Bank ATM transactions) 
Check Order Discount: Free U.S. Bank logo style checks or a 50% discount on most other styles
Other: Free Check Card with Checking That Pays® 
Free Internet Banking with Internet Bill Pay
75% annual safe deposit box discount
Free cashier's checks
Free single signer traveler's cheques
Preferred Rates on new standard Certificate of Deposit and Retirement Money Market (10)

Workplace Checking(1)
Minimum Opening Balance: $100
Monthly Maintenance Fee: $10
Requirement to Waive Monthly Maintenance Fee: Direct Deposit
Interest Bearing: No
Interest Tiers: N/A
Check Writing: Unlimited
Check Return: Free check safekeeping(6)
U.S. Bank ATM Transactions(5): Free
Check Order Discount: First order free (limit 150)(7)
Other: Free Check Card with Checking That Pays®

Student Banking
Minimum Opening Balance: $100
Monthly Maintenance Fee: $0
Interest Bearing: Yes
Interest Tiers: $0 - $1,999; $2,000 +
Check Writing: Unlimited
Check Return: Free check safekeeping(6)
U.S. Bank ATM Transactions(5): 4 free non-U.S. Bank ATM transactions
Check Order Discount: Free U.S. Bank logo style checks or a 50% discount on most other styles (first order only - limit 150)
Other: Free Check Card with Checking That Pays®



1 Refer to account brochure for additional benefits and features.
2 Consumer deposit balances only.
3 Consumer credit balances only. First mortgage balances are not applicable.
4 Investment products and services available through U.S. Bancorp Investments, Inc., member NASD and SIPC, a wholly owned brokerage subsidiary of U.S. Bancorp. NOT FDIC INSURED. NO BANK GUARANTEE. MAY LOSE VALUE.
5 Other network owners may assess a surcharge. Please also see Other Fees section for additional fee information.
6 2 free check copies per statement cycle when checks are safekept. Check images available for $1 or check return available for $5 per statement cycle.
7 Free U.S. Bank logo style checks or a 50% discount on all other personal styles (first order only).
8 Check return also available for $3.
9 Three (3) free check copies per statement cycle.
10 Not valid with any other promotional rate CD offer, special discounts, or coupons. Not available for brokerage deposits, institutional investors and Public Funds.
 
OTHER FEES 
  
Account Balancing and Research
1 hour minimum $30.00/hour
 

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Cashier's Check/Official Check $7.00 

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Check Collection $30.00 + direct cost 

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Continuous Negative Balance 
(charged beginning 4th consecutive business day) $7.00/day 

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Copy of Items $2.00 per item 

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Copy of Statement $6.00 per statement 

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Counter Checks $1.00 per check 

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Dormant Account (per month) $5.00 

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Early Account Closing 
(within 90 days of account opening) $25.00 

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Excessive Deposited Items Fee (for checks deposited in excess of 50 per statement cycle) $0.25 

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INTERNATIONAL BANKING 
Checking Collection(1) Incoming & Outgoing 
Courier Fee (per bank) $45.00 
Initiation Fee (per check) $40.00 
Tracer Fee $25.00 
Fee collected on all checks presented, paid and unpaid. 
  
Check Return(1) $25.00 
Rate subject to sell rates in effect on return date. 
  
Checks Deposited in Foreign Currency on Foreign Banks 
Canadian Checks $0.25 
Select Countries (list available) $1.00 
Checks over equivalent of USD 10,000 or by arrangement Collection Basis 
All other Countries Collections Basis 
 
Checks Deposited in U.S. Dollars on Foreign Banks 
Checks on Canadian Banks $0.25 
Checks on Select Countries/Banks* $22.00 
Checks over $10,000 or by arrangement Collection Basis 
Checks on all other Countries/Banks Collection Basis 
*Contact International Banking at 612-303-7399 for more information 
 
Currency Purchase or Sale (Shipping charges may apply) 
Customer $3.00 
Non-customer $5.00 
 
Draft Purchase $20.00 
Free 2-day delivery (Other shipping charges apply) 
 
Shipping Charges 
2-day delivery $15.00 
Next day AM delivery $20.00 
 
Stop Payment Orders $25.00 
 
Traveler's Cheques in Foreign Currency (Shipping charges may apply) 
Purchase 1.5% of USD Value 
Processing Fee $3.00 

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INTERNET BANKING 
Internet Bill Pay no charge 
Online Statements no charge 
Transfer Funds no charge 
View Check Images no charge 
View Accounts no charge 
 

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Phone Bill Pay Service $4.95 

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IRA Annual Fee for Plan Balances Below $5,000 
(Education IRA Below $1,000) $10.00 

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IRA External Transfer/Closing Fee per IRA Plan $30.00 

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Legal Charges (tax levy/garnishment) $75.00 

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Negative Balance Closing Fee $30.00 

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Non-Automated Information Fee(2) $2.00 
(This fee only applies when funds transfers are completed by a U.S. Bank 24-Hour Banking and Financial Sales personal banker or when all information in the call could have been accessed through our automated telephone system.) 

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Overdraft Item Paid(3) (Based on number of occasions in the preceding 12-month period) 
1-3 occasions $31.00 per item 
4 or more occasions $35.00 per item 

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Overdraft Item Returned (NSF)(3) (Based on number of occasions in the preceding 12-month period) 
1-3 occasions $31.00 per item 
4 or more occasions $35.00 per item 

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Overdraft Protection via U.S. Bank 
Deposit Account per Item Covered $5.00 

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Personal Money Order $5.00 

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Returned Deposited Items or Cashed Check $10.00 

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Returned Statement Fee $5.00 
(For the second or subsequent months statements are returned undeliverable to us. No charge for Private Client Group customers.) 

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Safe Deposit Box Fees 
Late Payment (per month) $5.00 
Lost Key $20.00 
Lock Drilling $150.00 

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Stop Payment (6-month duration) $30.00 

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Travelers Cheques 2.0% of purchase 
Cheques For Two® 2.5% of purchase 
Gift Cheques $2.50 each 

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U.S. Bank ATM/Check Card  
PIN Purchase fee(4) $0.25/transaction 
ATM Transaction Fees 
U.S. Bank ATMs no charge 
All other ATMs(5) $2.00/transaction 
Non-U.S. Bank ATM Declined Transactions (6) $1.50/transaction 
Non-U.S. Bank ATM Balance Inquiry $1.50 
Copy of Mini Statement at ATM $1.00 
Copy of Full Statement at ATM $1.50 
Check Card Cash Advance Fee(7) $2.00 
Express Delivery Fee (for new or replacement card) $15.00 
Foreign Currency Conversion Fee 3% of transaction amount 

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Wire Transfer 
Incoming (domestic) $15.00 
Incoming (international) $20.00 
     Message/phone $6.00 
Outgoing (domestic) $25.00 
Outgoing (international) $50.00 
     Tracer (domestic) $15.00 
     Tracer (international) $25.00 

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Written Deposit Verification $10.00 

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1 Any Foreign Bank fees incurred while processing will be charged to the depositor's account.
 
2 No charge for ETA, Elite, Interest Plus and Silver Elite Checking. 
3 To determine the appropriate fee for a particular overdraft item paid or returned, we count the number of occasions in the preceding 12-month period. An "occasion" is a day in which your account has insufficient funds to cover an Item as defined in Your Deposit Account Agreement. Fees are subject to a daily maximum of 6 Paid and 6 Returned Items, for a maximum total of 12 per day. 
4 No charge for ETA, Elite, Student Checking or Dell Workplace Banking customers. This fee does not apply to transactions made at Automated Teller Machine (ATM). The $0.25 fee can be avoided by making Visa transaction (non PIN) with your check card by pressing "credit" and signing the receipt. 
5 ATMs not identified as "U.S. Bank" or "UBank" ATMs may assess an additional access fee. Some of these ATMs may be owned by U.S. Bank. If the ATM is owned by U.S. Bank but not identified as "U.S. Bank" or "UBank," the access fee will be $1 to $5. Other ATM owners may assess different access fees. 
6 No charge for Elite and Silver Elite Checking. 
7 $2.00/fee assessed when performing a cash advance at the teller of any financial institution that accepts VISA.
 
©2006 U.S. Bancorp
U.S. Bank Member FDIC

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