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Minimum balance to open is $ You must maintain a total customer relationship (deposits and loans) of at least $50, to qualify for this account. Compass. You can visit any U.S. Bank branch to open a checking account. You'll still need identification and personal details, such as your Social Security number and a. How can I open an account? You can apply online for a checking account, savings account, CD or IRA. Simply select an account, enter your personal information. Easily open one of our checking or savings accounts online from the safety and comfort of wherever you are. A $ bonus can be earned for opening a Smart Money Checking account, with a minimum $4, required in certain direct deposits during the first 90 days. A.