Per Department of Education Regulations, The University of Denver must notify you that the University has chosen to partner with U.S. Bank to offer students, faculty and staff the option to add banking functionality to the Pioneer ID Card.

You can link your Pioneer ID Card to your U.S. Bank checking account, and you will be able to use it as an ATM and PIN-based debit card! Visit for more information.

Your funds can be direct deposited into an account at any financial institution including a pre-existing account already belonging to you.

You are not required to open an account with U.S. Bank to receive or use the Pioneer ID Card for other campus services or to receive disbursement of financial aid.

In accordance with the US Department of Education regulations §668.164(e)(2)(vii) and §668.164(f)(4)(iv), the chart below lists information regarding student participation as well as costs incurred by the participants. For a full listing of information prepared by US Bank, please Click Here.

ID Linking Method w/ two-year cohort 2022-2023 Award Year
Number of students with financial accounts 202
Mean $17.98
Median $2.12


This image details the fees associated with U.S. Bank Smartly Checking Account for Young Adults

You do not need this account to receive your Federal student aid.
Ask the Office of Student Billing about other ways to receive your refunds.

For full details about this account, please click here:

To view the Deposit Account Agreement specified in the image above, click here: Deposit Account Agreement.

The University of Denver does not receive any compensation for student accounts opened or contribute money on marketing for US Bank. For a full list of fees, please see the link at the bottom of this page.

Participation in this program is entirely optional.

The debit card number and functionality will NOT be active unless you choose to link your Pioneer ID Card to your U.S. Bank checking account.

Steps to link your Pioneer ID Card to your U.S. Banking account:

  • Bring your Pioneer ID Card to the ID Office to be activated for use with U.S. Bank.
  • Provide your debit card number to U.S. Bank. Your debit card number is the 16-digit number printed just below your ID number on the front of your card.