U.S. Bank doesn't offer a completely free checking account with no monthly fees or conditions. However, certain accounts offer ways to waive the monthly fee:
Smartly Checking – The monthly fee of $6.95 can be waived with a monthly direct deposit of $1,000 or more, a $1,500 minimum daily balance, or $25,000 across qualifying U.S. Bank accounts.
Safe Debit Account – This account doesn't offer checks or a debit card, but it has no monthly fee and no overdraft fees.