How To

Answers should be easy to find. Browse our top “How To” questions below. If you still can’t find what you’re looking for, contact us by the method most convenient for you.

  • We are committed to providing our prospective and existing customers with the right information on all of our products. If you do not currently have an account and you are approved for one, your account terms may vary based on your qualifications. If you already have an account, please sign in to Online Banking or call the number on the back of your card to request a copy of your specific account agreement.

    Online Cardmember Agreements are updated quarterly and may change over time.

  • Here’s what to do when the card number or expiration date changes on your credit card or debit card:

    • Activate your new card as soon as you get it in the mail.
    • Update your new information with all merchants that bill your card automatically.
    • Make payments as usual to the statement showing your old credit card number.
    • Destroy any remaining credit or debit cards with the old card number or expiration date.
    • Destroy all convenience checks with your old credit card number.

    Customer Service is available 24 hours a day, 7 days a week:

  • Here’s what to do when your card is lost or stolen.

    • Review the Checklist for Card Number or Expiration Date Changes.
    • Monitor your account for any unauthorized transactions and notify us immediately if any look suspicious.
    • Remember: U.S. Bank provides Zero Fraud Liability1, which protects you from unauthorized use of your card. Contact us promptly to file a claim, or if you have any questions.
    • Change passwords and update information with any online retailers where the lost or stolen card information is used or stored.
    • Monitor your credit report for unusual activity. Free copies of your credit report can be accessed at annualcreditreport.com.
  • Want to know when your balance is low? Or when a payment's due?

    These are just a few of the many account and security alerts you can receive.

    Debit Card and Credit Card Alerts

    Set up payment reminder alerts, available credit and suspicious transaction alerts - and more - for your U.S. Bank personal and business accounts. Here are just a few of the available options:

    • Dollar-limit authorization
    • ATM cash withdrawal
    • Payment received

    Security Alerts

    We'll always send you automatic alerts when we receive instructions for important changes to your account, including:

    • Address, email or phone number change
    • PIN number change
    • Request for a new ATM/debit card or replacement
  • Set Up My Card

    • Check the Status of My Credit Card Application? Please call 800-947-1444 and choose option 1 for the status of an application. The potential cardmember will be required to enter his/her social security number to locate the application. Additional verification item(s) will be needed to validate.
    • Activate My Credit Card: Follow instructions that came with your card or call the Cardmember Service number on the back of your card.

    Update My Card

    • Change my PIN: Please call the Cardmember Service number on the back of your card.

    Manage My Card

    • To manage your account, log in to Online Banking.
      • Choose your credit card on the “My Accounts” page.
      • Use the left menu on the Credit Card page to make a payment by clicking “Pay a US Bank Account”, to request a balance transfer, dispute a charge, go paperless, sign up for account alerts and more.
    • Make a Payment: Log in to Online Banking, and choose "Pay My U.S. Bank Account" on the left menu to pay your credit card or to set up Online Banking.
    • Set Up Alerts: Log in to Online Banking and click on your credit card. Choose “Account Alerts” on the left menu.
    • Go Paperless: Log in to Online Banking and choose "Online Statements" on the left of the credit card page.
    • View or Redeem Rewards: If your card accumulates points or dollars for redemption, Log in to Online Banking and choose "Rewards Center" on the left menu.
    • Request a Credit Limit Increase: Log in to Online Banking and choose "Customer Service" on the left menu.
    • Request a Balance Transfer: Log in to Online Banking, view your card and select "Request a Convenience Check" or "Balance Transfer".
    • Download Credit Card Transaction: Log in to Online Banking and choose "Download Transaction Data" on the left menu.

1.

U.S. Bank provides zero fraud liability for unauthorized transactions. Zero fraud liability does not apply to ATM transactions, to certain PIN transactions or certain commercial card transactions made with a business debit card. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.