Frequently Asked Questions

See answers to mobile banking questions, organized by category.

    • Yes. Your personal information is safe with us.

      • We use advanced encryption and monitoring technology.
      • We secure your accounts with your unique Personal ID and password.
      • We never request personal information through email.
      • We never store your personal banking information on your phone.

      Our Online Risk-Free Guarantee also ensures we’ll cover any losses from any unauthorized use of your account.

    • Just choose “Forget Password?” from the password-entry screen, visit the Help screen, or call 800-685-5035.

      If you forget your password we’ll help you create a new one.
      If you forget your Personal ID we’ll retrieve it for you.

      We’ll ask you to enter your account number and other verification information depending on your account type.

    • No. “Show account balance before login” is an option on the Preferences screen. This setting gives you a quick view of your chosen balance when you're not logged in. You’ll also need to choose the “Remember My ID” option when activating this setting.

      It’s important to note that the feature is not password-protected, meaning others can see your balance if your device is lost or stolen. (Your account number is always hidden.)

      This setting will only apply on the device you were using when you activated it.

    • Your Personal ID is a permanent user name. An example would be “JohnS12,” or “JanetP125.” IDs have 7 to 22 characters (letters and/or numbers only). You set up your Personal ID with a banker or the first time you sign up for Mobile and Online Banking.

      Your password contains 8 to 24 characters. It contains both letters and numbers with no spaces. It can also include special characters like %, $ and &.

      ID Shield gives you the confidence that you are logging in to a real U.S. Bank account. It includes a picture (like a flower or sailboat) and a unique phrase or sound (like the phrase “pizza time” or the sound of a bicycle horn). You pick these identifiers from various options we provide. As a backup, you will also pick very unique questions only you should be able to answer (such as the name of your first pet).

    • If your account was locked after incorrectly entering your password:

      Choose “Get Login Help” from the Help screen.

      If your account was locked after you incorrectly answered your security questions:

      Visit our Online Banking desktop site at usbank.com and choose “Login Assistance” or call 800-685-5035.

    • Password-protect your device

      • Always lock your device when it’s not in use.
      • Set your device to automatically lock after being idle for a set amount of time.
      • Set your device to use a longer and stronger password than the default 4-digit unlock code if this option is available on your phone.
      • For even better security, set your device to erase all data after 10 bad password attempts.

      Clear data from your smartphone frequently

      • Delete text messages from financial institutions, especially before sharing, discarding, or selling your phone.
      • If you visit the U.S. Bank website using your phone, delete cookies and clear your cache regularly.
      • Better yet, use the U.S. Bank Mobile app for online banking. Our app doesn’t store any of your personal financial information on your mobile device.

      Always download apps from reputable sources

      • Criminals try to lure people into signing up for mobile banking using fake apps and/or websites.
      • Always visit the U.S. Bank Mobile Banking site to verify approved sources where you can download the latest authentic version of the U.S. Mobile app.
      • If you’re considering adding an app to your mobile device, review the app’s permissions so you understand what information the app is capable of accessing before you decide to download it.

      Don’t fall for phishing scams

      • Phishers create links that look legitimate but instead direct you to malicious websites (which may also appear legitimate).
      • The small screen size of smartphones makes it even harder to spot whether a site is legitimate. If you wish to access a website, type in the address yourself rather than clicking an email link. Learn more.

      Remove personal information before replacing your smartphone or tablet.

      • Don’t rely on carriers, recycling firms or phone deposit banks to “clean” your device before disposal or resale to third parties.
      • Follow the manufacturer’s instructions to remove all personal information from your device before decommissioning it.

      For more information regarding the security of your mobile device and the U.S. Bank Mobile app, please visit: https://www.usbank.com/online-security/mobile-security.html

    • First, follow all of the steps recommended by your service provider for a lost or stolen device.

      To protect your accounts:

      • If you're using the "Remember My ID" setting in the U.S. Bank Mobile app, please visit usbank.com, log in to Online Banking, and change your Personal ID.
      • If you're not using Remember My ID, there is no need to change your ID.
      • If you're using Text Banking, call 866-578-8007 or log in to Online Banking and choose “Self-Service” under the “Customer Service” heading to deregister your lost or stolen device.
      • As always, you'll want to carefully monitor your accounts for suspicious activity. If you notice anything that concerns you, call us right away at 800-US BANKS (872-2657).
    • It’s important to download mobile apps from reputable sources only. Make sure U.S. Bank is listed as the app publisher or seller in the app store or download site.

      If you have suspicions about the authenticity of a mobile banking app, visit www.usbank.com/mobile. For more info on how to keep your accounts safe, visit our Fraud Information Center.

    • When you first sign up for Mobile Banking and Online Banking, you’ll be asked to choose a Personal ID and password, then complete the following steps to set up ID Shield:

      1. Have your account number ready.
      2. Select 3 to 5 security questions from a list.
      3. Choose an image to identify your account.
      4. Choose a word or phrase. The word or phrase will display with your ID Shield image every time you log in to U.S. Bank Mobile or Online Banking.

      You only need one Personal ID, password and ID Shield to log in to both Mobile and Online Banking.

    • Touch ID is Apple's fingerprint authentication technology. If you have the iPhone 5s or a later model, you can use your fingerprint instead of your password to log in to the U.S. Bank Mobile app and other Touch ID-enabled apps.

    • Touch ID lets you log in to the U.S. Bank Mobile app with fingerprints that you've set up on your device. If you choose to enable Touch ID for the U.S. Bank Mobile app, the app will accept any fingerprint stored on your device in place of your password when logging in.

    • No. Once Touch ID is enabled, your fingerprint is the only required login credential. (You’ll still need to answer security questions to make certain types of transactions.)

    • Possibly. Touch ID is designed to be secure, but we don't recommend using Touch ID if you share your phone or device passcode with others.
      Anyone who knows your device's four-digit passcode can add a fingerprint to your device – and once added, that fingerprint can be used to access the U.S. Bank app and any other apps that you've set up to use Touch ID.

    • Even with Touch ID enabled, you can always log in to the U.S. Bank Mobile app with your password. When the app asks you for your fingerprint, simply select Cancel and enter your password instead.

    • You can enable or disable Touch ID anytime from the Preferences menu in the U.S. Bank Mobile app.

    • DepositPoint, available through the U.S. Bank Mobile app, lets you make a deposit from your iPhone®, iPad® or Android™ smartphone by taking a picture of your check.

      iPhone and iPad are registered trademarks of Apple Inc.
      Android is a trademark of Google Inc.

    • There are three ways:

      When you first sign up for Mobile Banking

      When you’re done signing up, you’ll see a confirmation screen. Choose “Deposit Checks” and follow the instructions.

      Any time after initial signup

      From your computer:
      Log in to U.S. Bank Online Banking and choose “Make a Deposit.”
      Choose “Enroll Now” and follow the instructions.

      From your mobile device:
      Choose “Deposit” from the main menu. We’ll guide you through the steps to sign up.

    • To make a deposit with DepositPoint via the U.S. Bank Mobile app, follow these steps:

      • Make sure you sign the back of your check and print “For Deposit Only” below your signature
      • Choose “Deposit” from the main menu* (to open the menu, tap the shield icon)
      • We’ll walk you through the steps to choose a deposit account and take pictures of the front and back of your check

      *Note: You can also access DepositPoint from the “My Accounts” screen by swiping an account to the left and choosing “Deposit.”

    • To be valid for deposit, the pictures of your check must meet a number of criteria. To improve image quality, ensure the following:

      • There is a strong wireless Internet connection
      • The picture, including your signature, is clear
      • All four corners of the check are showing
      • The lighting is strong enough to see the check details
      • Your check is placed on a dark background
      • Your check is laid flat with no folds or creases
      • The picture is taken from directly above the check while holding the camera very still
    • Consumer and Small Business checking and savings accounts are eligible for DepositPoint.

      Only eligible accounts are viewable in DepositPoint. Accounts are considered ineligible if:

      • The account has more than two Returned Deposited Items within three statement cycles.
      • The account is undergoing fraud investigations.
    • To view deposit limits in DepositPoint:

      • In Mobile Banking, select "Deposit Limits" on the Enter Amount screen.
      • In Online Banking, choose “Make a Deposit” in the left sidebar.
    • You can make as many deposits per day as you would like, but the total deposit amount cannot exceed the daily and/or five-consecutive-business-day deposit limits.
    • The deposit cut-off time is 9:00 p.m. CT, Monday through Friday. If you submit after 9:00 p.m. — or on a non-business day or holiday — your deposit will be processed the next business day.

    • Yes. Both images are required to make the deposit.

    • Yes. Please sign the back of your check and write “For Deposit Only” below your signature. While it is not required, we recommend that you also include the account number into which the check is to be deposited.
    • DepositPoint is available through the Mobile app only, not through U.S. Bank Mobile Web.

    • DepositPoint supports all devices compatible with the U.S. Bank Mobile app:

      • iPhone®/iPad® running iOS6 or later
      • Android™ smartphones running versions 2.3 (Gingerbread) and later

      iPhone and iPad are registered trademarks of Apple Inc.
      Android is a trademark of Google Inc.

    • There is a fee of up to $0.50 charged for each deposited check. The fee will be presented to you prior to deposit. You will be required to accept the fee and Terms and Conditions to deposit your check

    • Bill Pay lets you make payments to anyone with a mailing address in the U.S. from your U.S. Bank checking account. Once you’ve signed up for Bill Pay, you can make payments with the U.S. Bank Mobile app or Mobile Web.
    • Choose “Pay/Transfer” from the main menu (to open the menu, tap the shield icon), then “Pay Bills, Make Payments”. We’ll walk you through the steps to sign up.
    • Choose “Pay/Transfer” from the main menu (to open the menu, tap the shield icon), then “Pay Bills, Make Payments”. We’ll walk you through the steps to choose or add a biller and designate an amount. Before you submit the payment, we’ll show you a review screen where you can adjust the delivery speed of your payment or make it a recurring payment.
    • We offer Express Delivery, which enables same-day or overnight delivery for times when you need to make a payment right away.
    • The fee for all Express Delivery payments, whether same-day or overnight, is $14.95.
    • The Bill Pay calendar wizard will show you the applicable Express Delivery payment options based on the time you are submitting the payment and the biller you choose. You can also edit an existing one-time payment from the Review & Submit screen simply by picking available dates in the calendar.
    • Depending on the biller you choose, some payments will be eligible for same-day and some for overnight delivery. Overnight payments are sent in the form of a check by U.S. Bank. The cut-off time for same-day delivery varies based on the biller. The cut-off time for overnight delivery is 3 p.m. CT. When you use the calendar within Bill Pay to choose delivery times, it will display Express Delivery options that are available to you based on the biller you chose and the time you are submitting the payment.
    • In the Mobile app, we offer the Photo Bill Pay option to add billers easily. Just take a picture of your payment stub with your phone or iPad® and the bill details are captured in Bill Pay. Then you can choose to pay the bill or save it to pay later.
    • No. There is no limit to the number of bills you can pay, nor the amount paid toward a bill (assuming sufficient funds are available in your account).

    • Choose “Pay/Transfer” from the main menu (to open the main menu, tap the shield icon), then “Pay Bills, Make Payments”. You’ll see an option to type in the biller information or use Photo Bill Pay. If you choose Photo Bill Pay, we’ll walk you through the steps to take a picture of your payment stub and confirm the details we captured from your photo.

      You can also add, change or delete billers from the Manage Recipients screen.

    • To be valid for deposit, the pictures of your payment stub must meet a number of criteria. To improve image quality, ensure the following:

      • There is a strong wireless or data connection
      • The picture of the payment stub is clear
      • All four corners of the payment stub are showing
      • The lighting is strong enough to see the bill details
      • Your payment stub is placed on a dark background
      • The picture is taken from directly above the payment stub
    • Choose “Manage Recipients” from the main menu (to open the menu, tap the shield icon).
    • Choose “Pay/Transfer” from the main menu, then “Pay Bills, Make Payments” (to open the main menu, tap the shield icon). Select the bill you want to pay and we'll walk you through the steps to make your payment.

      From the “Review & Submit” screen, you’ll be able to make changes to your payment, including the frequency (one-time or recurring) and the date.

    • Choose “Pay/Transfer” from the main menu (to open the main menu, tap the shield icon) and then choose “Payment History”. There, you’ll see a list of payments that can be changed or canceled.
    • You’ll need a checking account or Money Market Savings account to pay bills, so only these accounts will be shown as options to pay bills. If you do not see the correct accounts, please call 866-578-8007.
    • If you already have a Personal ID set up, you will need to sign up for Bill Pay in Online Banking at our desktop site.

      1. Log in to Online Banking and choose "Pay Bills."
      2. Choose “Enroll Now” and follow the instructions.

      If you have questions during enrollment, please call 866-578-8007.

    • There is no fee to use the standard delivery options in U.S. Bank Bill Pay. There is a fee of $14.95 to use Express Delivery for same-day or overnight payments.
    • They are electronic (PDF) versions of your account statements. They contain all of the same account information as paper statements. The key difference is that they’re delivered electronically instead of through the U.S. Mail.

    • The following products are eligible to receive eStatements:

      • Checking, savings and money market accounts.
      • Consumer loan and home equity line of credit accounts
      • Consumer lease accounts not set up for automatic payments
      • Small business loan and line accounts
      • Consumer and small business credit card, charge card, credit line, Premier Line, Premier Line Plus and investment equity line of credit accounts.
      • Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, The Private Client Reserve, or the Private Client Group
      • U.S. Bancorp Investments accounts
    • You’ll receive an email and/or text message to the address(es) you’ve specified each time a new eStatement is available. You’ll also receive a message in your online Message Center.

      Your mobile carrier may charge standard messaging rates for text messages.

    • No. eStatements are delivered to customers at no charge.
    • eStatements contain the same account information as your paper statements, with the following exceptions:

      • Checking, savings and money market accounts: If you currently receive information for multiple accounts on your paper statement, when you go paperless you will begin to receive separate eStatements for your Checking, Savings or Money Market accounts, and you will receive paper statements for each of your other accounts. Summary information for CDs, loans, credit cards and lines of credit will no longer appear on your statement.
      • Consumer loan, lease, and home equity line of credit accounts: The coupon at the bottom of your paper statement will not be included in your eStatement.
      • Small business loan and line accounts: The coupon at the bottom of your paper statement will not be included in your eStatement.
    • Mobile app: Log in and select the account you want to view. On the Account Details page, select the “View eStatements” button, and then tap on a statement date to open that statement.

      Mobile Web: After logging in, go to “More” and then “Go to Self Service.” Under My Documents, select “eStatements” and then tap on a statement date to open that statement.

      Desktop: Select “My Accounts” at the top of the page. Under “My Documents,” select “Statements.” Select an account type, and then select a statement date to open that statement.

      Note: Currently eStatements for the following account types can’t be viewed via mobile banking. Go to our desktop site to view statements for these accounts:

      • Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, The Private Client Reserve, or the Private Client Group
      • U.S. Bancorp Investments accounts
      • Checking, savings and money market accounts: No. Going forward from the time you sign up for eStatements you can accumulate up to 7 years of eStatements. Statements issued prior to that time will not be available for online viewing.
      • Consumer loan and home equity line of credit accounts: Yes. When you sign up for eStatements, up to 7 years1 of eStatements are immediately available for online and mobile viewing.
      • Small Business loan and line accounts: You automatically receive eStatements. Up to 7 years1 of statements are available for online viewing.
      • Consumer and small business credit card, charge card, credit line, Premier Line, Premier Line Plus and investment equity line of credit accounts: Yes. When you sign up for eStatements you’ll automatically be able to view eStatements, with availability building over time to 7 years1 of available eStatements.
      • For other U.S. Bank and U.S. Bancorp Investments accounts, you’ll continue to see up to 7 years of previous account statements online when you go paperless.
      1. If your account has been paperless since December 2010, then your access will begin with December 2010 and build up to a rolling 7 years. Otherwise, your documents will go back to the point of enrollment and build up to 7 years.
    • No. At this time you’ll need to go to our desktop site to change your statement delivery preferences. Under “My Accounts,” select “My Documents” and then select “Paperless Preferences.”
    • Mobile App: No. When you’re done viewing the eStatement, you can navigate back to the app by selecting the “Back” button at the bottom of the viewer.

      Mobile Web: No. For Apple devices, the eStatement will open within the mobile browser and those customers can select “Back” to return to Mobile Web banking. For Android™ devices, the eStatement will open in a PDF viewing app on your device. Android customers can close the PDF viewer to return to Mobile Web banking.

      Android is a trademark of Google Inc.

    • Yes. Your print options may vary depending on the print settings of your mobile device.

      Once you’ve opened your statement, do the following:

      Android™ devices:

      1. In the upper right corner of the PDF Viewer, open the “More” menu (three vertical dots) and select “Print.”
      2. Choose from the options available for your current device setup.
      3. Select ”Print.”

      iOS (Apple) devices:

      1. At the bottom of the PDF Viewer, select “Print Statement.”
      2. Under “Select a Printer,” choose from the options available for your current device setup.
      3. Select “Print.”

      Android is a trademark of Google Inc.

    • No. At this time only eStatements are available. 1099s and other document types can be viewed on our desktop site.
    • Your canceled checks will no longer be mailed back to you; however, canceled checks and deposit slip images can be accessed or requested via online or mobile.

      Consumer Checking:
      A $2.00 fee will be charged for photocopies of checks and other images.

      Small Business and Non-Profit Checking:
      There is no charge for the first two copies. Additional copies are $2.00 per copy.

      Premium and Premium Non-Profit Checking:
      A $6.00 fee will be charged for each copy of a check or deposit slip.

    • U.S. Bank Accounts

      • Checking, Savings, Money Market, Consumer Loan, Lease and Home Equity Line of Credit accounts: Please call 800-US-BANKS (800-872-2657). For TDD service, please call 800-865-5065.
        Note: When you are no longer enrolled in eStatements, access to any of your previous eStatements will not be available and you’ll no longer receive your Online Statement Account Alert.
      • Trust, agency, custody or IRA accounts with Ascent Private Capital Management, The Private Client Reserve, or the Private Client Group:
        • On our desktop site, go to “My Accounts.” Select “My Documents” and then select “Paperless Preferences.”
        • For accounts listed under “U.S. Bank Trust & Investments Documents,” select “U.S. Mail” to go back to paper.

      U.S. Bancorp Investments Accounts

      • On our desktop site, go to to “My Accounts.” Select “My Documents” and then select “Paperless Preferences.”
      • For your U.S. Bancorp Investments accounts, select “U.S. Mail” to go back to paper.
      • Checking, savings and money market accounts: You can order copies of past statements, canceled checks or deposit slips online through Self Service on your desktop or mobile device. You may be charged a fee for these copies. If fees apply you will be notified prior to completing your transaction.
      • Consumer and small business credit card, charge card, credit line, Premier Line, Premier Line Plus and investment equity line of credit accounts: You can order copies of past statements online through Self Service on your desktop or mobile device by selecting “Request Copy of Statement.” You may be charged a fee for this service. If fees apply you will be notified prior to completing your transaction.
      • Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, The Private Client Reserve, or the Private Client Group: Contact your U.S. Bank Relationship Manager.
      • All other U. S. Bank accounts: You can order copies of past statements by calling 800-US BANKS (800-872-2657). For TDD service, please call 800-865-5065.
      • U.S. Bancorp Investments accounts: Contact your Financial Advisor or call Investments Connect at 800-888-4700. Calls are answered 24 hours a day, 7 days a week.
    • Letters and Notices are important notifications triggered by specific account events. They include:

      • Overdraft notices
      • Savings withdrawal limits
      • Other account notifications

      Starting in August 2013, when you choose eStatement delivery for Checking, Savings and Money Market accounts you will automatically receive online Letters and Notices. U.S. Bancorp Investments brokerage account holders also receive Letters and Notices automatically.

      If you signed up for eStatement delivery for Checking, Savings and Money Market accounts prior to August 2013, you do not automatically receive online Letters and Notices for those accounts. To sign up:

      • On our desktop site, select “My Accounts” at the top of the page. Under “My Documents,” select “Paperless Preferences.”
      • If you have eligible accounts that started receiving eStatements prior to August 2013, you’ll see a section on the Paperless Preferences page for Letters & Notices. Select “Paperless,” and then select “Save.”
    • U.S. Bank Pay A Person, powered by Popmoney™, is an easy way for you to send money electronically from your U.S. Bank account to anyone who has a bank account in the United States.

      Pay A Person eliminates the hassles of checks and cash, so that sending and receiving money is as easy as emailing and texting. You can now send money directly to a person's bank account, a faster and easier way for the recipient to receive your money.

    • Pay A Person lets you send money to anyone who has a bank account in the United States.

      To send money, you’ll need ANY ONE of the following:

      1. Recipient's bank account number and routing number - This is the fastest and easiest way for recipients to receive your Pay A Person payment. Your money will be deposited directly to the recipient’s bank account, and you also have the option to request an email notification for your recipient.
      2. - OR -
      3. Recipient's email address - If you choose this option, the recipient will receive an email with instructions on how to direct the payment into his/her bank account.
      4. - OR -
      5. Recipient's mobile phone number - With this option, the recipient will receive a text message with instructions on how to direct the payment into his/her bank account.

      We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

    • You can use U.S.Bank Pay A Person to send money to anyone who has a bank account in the United States. There are many ways you can use it to make your life easier, such as:

      • Paying rent to your landlord or roommates
      • Sending money as a gift to family and friends
      • Sending money to your child at college
      • Splitting the tab at a restaurant
    • In order to process your transaction, we may share your name, email address, phone number and anything you typed into the message field with the recipient.
    • U.S. Bank Pay A Person is currently available only for recipients with bank accounts in the United States. Our Western Union Money Transfer® service is a great alternative for sending money almost anywhere in the world.

      Learn more about Western Union.

    • Choose “Pay/Transfer” from the main menu (to open the menu, tap the shield icon), then ”Send Money.” We'll walk you through the steps to choose or add a recipient and send the money.
      To send money, you’ll need to provide or know:

      • Recipient information, including bank account information, email address, or mobile phone number
      • The amount you wish to send

      You will receive a confirmation receipt via email when the transfer is completed.

    • To send money, you only need one of the following:

      1. Recipient's bank account number and routing number - This is the fastest and easiest way for recipients to receive your Pay A Person payment. Your money will be deposited directly to the recipient's bank account, and you also have the option to send an email notification to your recipient.
      2. - OR -
      3. Recipient's email address - If you choose this option, the recipient will receive an email with instructions on how to direct the payment into his/her bank account.
      4. - OR -
      5. Recipient's mobile phone number - With this option, the recipient will receive a text message with instructions on how to direct the payment into his/her bank account.

      We recommend that you notify your recipient separately via text or email to expect a payment from U.S. Bank Pay A Person.

    • Because it's the fastest and easiest way for recipients to receive your Pay A Person payment.
      When you provide your recipient’s bank account number and routing number, your money will be deposited directly to the recipient's bank account, with no further action required by the recipient.

    • If a payment is sent with the recipient’s bank account information and the recipient has enabled auto deposits, no further action is required; the funds go directly to that account.
      If a payment is sent to an email address or mobile phone number and/or the recipient has auto-deposit turned off, the recipient will have 10 days to accept the deposit. After this, the funds will be returned to the sender.

    • The timing of your account debit depends on the delivery speed you choose.

      • For Instant Payment deliveries, the funds will be debited immediately after you submit the transaction. (Instant Payment works 24/7 every day, including non-business days.)
      • For Next Day Payment deliveries scheduled before 9 p.m. CT on business days, the funds will be debited the same day. (Funds for Next Day Payments scheduled after 9 p.m. CT or on non-business days will be debited the following business day.)
      • For Standard Payment deliveries scheduled before midnight CT on business days, the funds will be debited the same day. (Funds for Standard Payments scheduled after midnight CT or on non-business days will be debited the following business day.)
    • A U.S. Bank account isn't required to receive money via Pay A Person. Your recipient will receive an email or text with instructions on how to claim the money you send.

      Make sure you tell the recipient to expect a U.S. Bank Pay A Person email or text and to complete the Popmoney registration if their bank is not part of the Popmoney network. If your recipient's bank is part of the Popmoney network, then no registration will be required; all they have to do is accept the funds.

    • If you send a payment using your recipient's bank account information, you have the option to send an email notification. If you use this option (which we strongly recommend), an email will be sent immediately.

      If you send a payment using your recipient's email or mobile phone number, an email or text message will be sent immediately, with instructions on how to claim the money you send.

      After the recipient completes the instructions to claim the payment, the money will be deposited into his or her account based on the delivery speed you choose. (Subsequent payments do not require this step.)

      If you choose Instant Payment delivery, the recipient will receive the money instantly if he/she has enabled (“turned on”) automatic deposits to his or her account. If the auto-deposit option has not been selected, the recipient will receive the money immediately after they accept the payment
      If you choose Next Day delivery, the recipient will receive the money the next business day.
      If you choose Standard delivery, the money will be deposited within three business days.

      If the recipient doesn't claim the payment within 10 days, the transaction will be cancelled, the recipient will be notified, and the funds will be returned to your account.

    • Yes. You will receive an email or text message with payment details showing that the transaction has been deposited and fully processed.

      If your recipient doesn’t claim the payment within 10 days, the transaction will be cancelled, the recipient will be notified, and the funds will be returned to your account.

      We strongly recommend that you notify your recipient to expect a payment notification from U.S. Bank Pay A Person via email or text.

    • Limits apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. To check your limits, go to the Send Money screen within the Online Banking Popmoney service and click on the Help icon next to the Amount field.

    • Yes. Fees are based on how much you send and how quickly you need it delivered. You'll see the total fee before you complete the transaction.
    • To cancel a payment before it has been deposited to your recipient’s account:

      • In Online Banking or Mobile Web, choose “Send Money to a Person" under the Pay/Transfer tab on the Mobile Banking menu screen. Select “Go to Popmoney,” then tap the “Activities” tab. You’ll see a list of your transactions, with the option to cancel any that are still pending.
      • In the Mobile app, choose “Payment/Transfers” from the main menu, then choose “Payment History.” Once on the Payment History screen, select the payment you want to cancel and select “Cancel Payment.”

      You can also cancel a pending payment by calling U.S. Bank 24-Hour Banking at 866-578-8007. Your recipient will be notified if you cancel a payment after a payment notification has been sent. Payments that have already been claimed by the recipient cannot be canceled.

    • Yes, you can change or cancel your next scheduled payment any time before the send date. If you wish to edit the next scheduled payment, you can update the send date, amount, subject line and personal message without affecting future payments.

      You can also edit or delete the entire recurring payment plan at any time.

    • You can add a Pay A Person recipient at any time. To send money to a new recipient, you’ll need to provide recipient information, including bank account information, email address, or mobile phone number.
    • When you send money using your recipient's email address, you will see an option to "Add a greeting" near the Message field. If you choose this option, you will be able to personalize an email payment with any of Popmoney’s electronic greeting templates. Adding a greeting is not an option if you use your recipient’s mobile number or account information to send a payment.
    • The greeting template that you select (along with any message you add) is sent to your contact as part of the payment notification email.
    • No. "Add a greeting" is available only when you send money.

    • If your recipient is eligible to receive Instant Payments, the Instant Payment option will appear at the time you make your payment. If you don’t see the Instant Payment option, it means your recipient’s financial institution does not accept Popmoney™ Instant Payments.
    • Most Instant Payment transactions happen in a matter of seconds.
    • If you send an Instant Payment using your recipient's email or mobile phone number, an email or text message will be sent immediately, with instructions on how to claim the money you send.

      If you send an Instant Payment using your recipient's bank account information, you have the option to send an email notification. (We strongly recommend that you use this option.)

      • If you choose to send an email notification, an email will be sent immediately.
      • If you choose not to send an email notification and the recipient has enabled auto deposits, the recipient will need to check his or her transactions online to find out whether the payment has been received into the account you specified when you sent the payment.
    • You can send a request for money to someone using his/her:

      • Email address – Your contact will receive an email with instructions on how to pay the request.
      • - OR -
      • Mobile phone number – A text message will be sent to the recipient on your behalf with instructions on how to pay the request.
    • Three business days after the recipient of the request makes a payment, the money will be deposited automatically to the account you selected when you sent the request.
    • For your protection, limits have been created on how many requests and value of requests can be sent during various time periods. To view your available limits, click the icon next to the Amounts field.
    • Yes. You can request money from up to five contacts at once. You can also request or specify different amounts from different people in the same request.
    • No. The fee will be deducted only If you receive a payment; if the request is not paid, no fee will be charged.
    • Yes, you should. A personal message gives your contacts the confidence that they are receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to your contacts.
    • Yes, you may cancel a payment any time before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.
    • This depends on the type of request that you have received.

      • If the requestor is seeking a fixed amount, you will not be able to change it.
      • If the requestor agreed to accept a partial payment, you will be able to change the payment amount on the payment screen. (Note that you cannot pay more than the requested amount.)

      Once you make a payment on the request, the request will be closed, and you can log in to review the payment details.

    • The requestor can let you choose the amount you would like to pay. However, the maximum amount you can pay may be subject to maximum transaction limits.
    • Not right away. It takes three business days for the requestor's account to be credited after you have made the payment. The requestor can log in to check the status of the payment.
    • You have the option to reject the request.

      From your mobile device: Tap on the details of the received request and choose “Decline.”

      From your computer: Click on the details of the received request and select the “Reject” option.

      If you want, you can send a message to the requester when you reject the request.

      If you do not take any action, the request will expire (typically after 30 days).

    • All requests will eventually expire (typically after 30 days) and will disappear from your list. If you did not pay earlier and would like to pay, the requestor will have to send a new request.
    • Choose the notifications “bell” icon on the Account Summary screen to see a list of your requests.
    • Your recipient will receive a text message or an email from you saying money was sent via U.S. Bank Pay A Person. After the recipient follows the instructions to claim the payment, the money will be deposited into the recipient’s account, and the payment details will be added to the recipient’s account history.
    • First-time recipients who are U.S. Bank customers will be automatically registered with Popmoney when they log in. Recipients can go to the To Do / Receive Money list to deposit the money to the account of their choice.

      First-time recipients who are not U.S. Bank customers will receive a notification (email or text message) with instructions on how to register with Popmoney and claim the money. Once this is done, the money will be deposited into their account, and the payment details will be added to their account history.

      Repeat recipients will receive a notification if you send money using an email address or mobile number that is different from the ones they first selected. For recipients with more than one account, incoming payments can be directed to the account of their choice.

    • No, your recipient can deposit the payment to any of the accounts on his/her account list.
    • Automatic Deposit makes it faster and easier to receive Pay A Person payments.

      If you are a recipient, you can designate one account into which payments from all senders will be deposited. Once you set this up as your preference, there's nothing more for you to do. You will be notified of incoming payments via email, and the payment will automatically be deposited into your selected account. You can change your Automatic Deposit preferences anytime.

    • From your mobile device: Choose “Western Union” from the menu screen (to open the menu, tap the shield icon).

      From your computer: Log in to U.S. Bank Online Banking, go to “Transfers & Payments,” and select “Send Money to a Person.” You’ll see Western Union listed as one of your options.

      Starting with cash? You can visit any U.S. Bank branch to send money to thousands of Western Union® agent locations worldwide.

    • If you’ve been a U.S. Bank customer for at least a year and have an eligible checking or savings account, you can use Western Union Money Transfer® service to send money. You’ll also need a mobile phone number on file.

      • To update your number in Online Banking go to Service Center > My Profile.
      • To update your number in Mobile Banking go to Self Service > My Profile. (Tap the shield icon to open the main menu, which includes Self Service).
    • You can send up to $500 per transaction, with a daily limit of $500 and a monthly limit of $1,000.
    • Fees1 vary based on the principal amount of the transfer and the speed of service. You’ll see the fee (and exchange rate or estimated exchange rate, for international transactions) before you complete the transfer.
      1. Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates.
    • Your receiver can pick up the funds at a participating Western Union® agent location based on the destination (country, state, and/or city) you specify in your transaction. To find an agent location, call The Western Union 24-hour automated agent locator at 1-877-783-5792 (Español: 1-800-325-4045) or visit westernunion.com/locator.

    • No, but using your My WU® Number will earn you Western Union® points towards rewards. To learn more or enroll for free, visit www.westernunion.com/us/en/mywu.html.

    • When you’ve completed your transaction, you’ll need to contact your receiver and give them the 10-digit tracking number (MTCN), and the answer to the test question (if you provided one). Please remind your receiver to bring a photo ID.
    • With Next Day1 service, funds will be available the following calendar day. 

      1. Date available will be displayed on receipt for international transfers over $15. For consumer protection, funds are delayed for transaction review; service and funds availability also depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).
    • When your receiver visits a participating Western Union® agent location to pick up the cash, he or she will need the 10-digit tracking number (MTCN), a photo ID, and the answer to the test question (if you provided one).

    • During your transaction, you have the option of adding a test question and an answer that the receiver will need to know (if allowed by the destination country and the amount). If you do this, your receiver will be able to pick up funds without ID, except where prohibited by the destination country. (Amounts available without ID may be limited.) Note: To claim funds at a U.S. Bank branch location, approved identification is required, subject to terms defined by U.S. Bank National Association. Speak with a banker for details.

    • Yes, if you ask for it beforehand. During the transaction, you’ll be asked if you want to receive a notification via email or text messaging. You can also opt out of receiving a notification altogether. Once your receiver has picked up the funds, you’ll be notified based on the option you selected. (Your mobile carrier may charge access fees depending upon your individual plan; check with your carrier for specific fees and charges.)
    • To cancel or make changes to your transaction once it’s been sent, call Western Union customer support at 1-877-783-5792 (Español 1-800-325-4045). You won’t be able to change a transaction that’s already been paid out.

    • If you think there’s an issue with your transaction, call 1-877-783-5792 (Español: 1-800-325-4045) within 180 days of the date the funds should have been made available to the receiver. You can also file a complaint; a Western Union® customer support representative will contact you within 24 hours. To learn more about Western Union error resolution and cancellation practices, visit the Western Union website. A full refund typically applies. A refund isn’t applicable if the receiver has already picked up the funds or where prohibited by law.

      • When you enroll for Online Banking you’ll see a set of recommended alerts for each of your existing accounts. You can enroll in all alerts with one click, or you can remove alerts that don’t interest you.
        You can also sign up by doing the following:
        • Online Banking: Go to My Alerts from the Customer Service menu, and then go to the Account Alerts tab. Select an account to see all the available alerts for that account.
        • Mobile Banking: Go to Account Alerts from the Self Service menu. Select an alert to edit and choose “Turn this alert off” or “Turn this alert on.”
    • Yes. You can get Account Alerts on wireless devices including mobile phones.

    • You can choose a combination of up to three email or mobile destinations. Some Account Alerts require that at least one destination be an email address.
    • To change your email address or mobile number for your Account Alerts, go to “My Profile” and add the new information to your customer profile. Then go to “My Alerts” and select the new email address or mobile number as an alert destination.
    • We may send Account Alerts multiple times a day to ensure you receive timely information regarding your accounts. Many Account Alerts are triggered when an actual transaction posts to your account; some of your transactions post to your account immediately, while other transactions only post once a day. You can expect to receive Account Alerts no later than one business day from the triggering event. For additional questions, call 800-US BANKS (800-872-2657). For TDD service, please call 800-865-5065.
      • Available Balance represents the funds in your account that are available for withdrawal. Available Balance is the Account Balance minus deposited funds being held or debit card authorizations outstanding.
    • You can turn Account Alerts on and off by doing the following:

      • Online Banking: Go to “My Alerts” from the Customer Service menu, and then go to the “Account Alerts” tab. Select an alert to edit and choose “Turn this alert off” or “Turn this alert on.”
      • Mobile Banking: Go to Account Alerts from the Self Service menu. Select an alert to edit and choose “Turn this alert off” or “Turn this alert on.”
    • Yes, you can delete Account Alerts by doing the following:

      • Online Banking: Go to “My Alerts” from the Customer Service menu, and then go to the “Account Alerts” tab. Select an alert to edit and choose “Delete.”
      • Mobile Banking: Go to “Account Alerts” from the Self Service menu. Select an alert to edit and choose “Delete.”
    • eStatement Account Alerts are required for receiving eStatements Only and can’t be turned off or deleted. To un-enroll for eStatements Only and turn off or delete the eStatement Account Alert, call 800-US BANKS (800-872-2657). For TDD service, please call 800-865-5065.
    • Yes, you can set up Quiet Time for your mobile device. Account Alerts and other messages you have opted in for will not be received during your Quiet Time.
    • Online Banking:

      • Select “Customer Service” at the top of the page, and then select “My Profile.”
      • To set Quiet Time for your Primary Mobile Number:
        • Select “Edit,” which opens the Change Your Mobile Preferences page.
        • Make any other changes you may have, and select “Continue.”
        • Enter the confirmation code you receive, and select “Submit.”
        • Select a Start Time, End Time and Time Zone for your Quiet Time.
      • To set Quiet Time for your Alternate Mobile Number:
        • Select “View/Edit Quiet Time”
        • Select a Start Time, End Time and Time Zone for your Quiet Time.

      Mobile Banking:

      • Select “Self Service” and then select “My Profile.”
      • To set Quiet Time for your Primary Mobile Number:
        • Select “Edit,” which opens the Change Your Mobile Preferences page.
        • Make any other changes you may have, and select “Continue.”
        • Enter the confirmation code you receive, and select “Submit.”
        • Select a Start Time, End Time and Time Zone for your Quiet Time.
      • To set Quiet Time for your Alternate Mobile Number:
        • Select “Enable Quiet Time”
        • Select a Start Time, End Time and Time Zone for your Quiet Time.
    • You may have trouble receiving Account Alerts for a variety of reasons. Try the following troubleshooting tips:

      • Make sure your email addresses and mobile numbers are correct.
      • Check to see if your Internet Service Provider is delivering your email messages to a "Bulk" folder in your email box. To ensure that you receive your Account Alerts, add us to your address book (alerts@cs.usbank-email.com).
      • If you continue to have problems, call 800-US BANKS (800-872-2657). For TDD service, please call 800-865-5065.
    • Online Banking:

      • Go to the Account Alerts tab of My Alerts. Note which alerts are being sent to the lost mobile number. Select a new alert destination for those alerts.
      • If you don't see an alternate email address or mobile phone number in the list of alert destinations, go to My Profile to add another email address or mobile number.
      • Return to Account Alerts and assign the new alert destination to any Account Alerts that had the old mobile number as a destination.

      Mobile Banking:

      • Go to Account Alerts from the Self Service menu. Note which alerts are being sent to the lost mobile number. Select a new alert destination for those alerts.
      • If you don't see an alternate email address or mobile phone number in the list of alert destinations, go to My Profile to add another email address or mobile number.
      • Return to Account Alerts and assign the new alert destination to any Account Alerts that had the old mobile number as a destination.

      Note: You can temporarily turn off your Account Alerts while you are updating your profile information. Go to the Account Alerts tab in "My Alerts" (Online Banking) or go to Account Alerts from the Self Service menu (Mobile Banking) and choose "Turn this alert off" for each Account Alert using the lost mobile number as a destination. Once your profile information has been updated you can select “Turn this alert on” to reactivate the alert.

    • Mobile Banking is what we call all the banking services U.S. Bank offers for your phone or tablet. Here’s how you can access your accounts today:

      • The U.S. Bank Mobile app, downloaded to your iPad®, iPhone® or Android™ phone
      • The Mobile Web, accessed at m.usbank.com
      • Text Banking for phones with or without web access

      Once you log in with your Online Banking ID and Password, you can view balances, transfer funds, deposit checks, pay bills and pay people in the U.S. You can also text us for transaction history and balance information.

      iPhone and iPad are registered trademarks of Apple Inc.
      Android is a trademark of Google Inc.

    • The answer depends on 1) what you want to do with Mobile Banking and 2) the type of mobile device(s) you own.

      • The U.S. Bank Mobile app is a free1, downloadable smartphone application that lets you see what’s happening with your accounts, send money, transfer money, pay bills and deposit checks and add bills using U.S. Bank Photo Bill Pay.
      • The Mobile Web is found at m.usbank.com. It gives you a sophisticated, “mobilized” version of features U.S. Bank offers online: pay bills, see detailed account info and send or transfer money.
      • Text Banking is designed for any phone with text-messaging capability. Just text us for account balances, transaction history or the location of ATMs and branches nearby. Sign up for Text Banking on your phone or through Online Banking.
      1. The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use. For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings.
    • With our Mobile app, you can:

      • Deposit checks with DepositPoint1
      • Pay bills and add billers with Photo Bill Pay
      • Send money2 to anyone in the U.S.
      • Transfer money between accounts
      • See your balances and account history
      • Find the nearest branch or ATM
      • Activate your debit card
      • View images of checks and deposit slips
      • Request copies of account statements
      • Dispute unauthorized charges on your credit card

      All from the app icon on your iPhone®, Android™ smartphone or iPad® home screen.

      Mobile Web lets you:

      • Pay bills
      • Send money2 to anyone in the U.S.
      • Transfer money between accounts
      • See your balances and account history
      • Find the nearest branch or ATM
      • Activate your debit card
      • View images of checks and deposit slips
      • Request copies of account statements
      • Dispute unauthorized charges on your credit card

      All from the web browser on your smartphone or tablet.

      Use Text Banking to:

      • Check your balance
      • See recent transactions
      • Find an ATM based on your ZIP Code
      • Just text us

      iPhone and iPad are registered trademarks of Apple Inc.
      Android is a trademark of Google Inc.

      1. To be eligible for DepositPoint, you must be a U.S. Bank Online Banking customer with direct ownership in a U.S. Bank Checking or Savings account and have no more than two returned deposited items in the past three months. Deposit limits and other conditions may apply. DepositPoint is only available for use within the United States. A fee may apply. Please refer to the Online and Mobile Financial Services Agreement for more information.
      2. A fee may apply.
    • Yes. You’re free to switch between the Mobile app, Mobile Web and Text Banking. Note that some features are only available on the Mobile app, including Photo Bill Pay and DepositPoint™ Mobile.
    • U.S. Bank Mobile Banking works with:

      • iPhone®
      • iPad®
      • iPod touch®
      • Android™ smartphones
      • Any phone or tablet with a web browser
      • Any phone with text-messaging capability for Text Banking

      iPhone, iPad and iPod touch are registered trademarks of Apple Inc.
      Android is a trademark of Google Inc.

      • Checking
      • Savings
      • Credit cards
      • Loans and lines of credit
    • You’ll need:

      • To be enrolled in U.S. Bank Online/Mobile Banking (there’s no cost to enroll)
      • At least one U.S. Bank checking, savings, credit, loan or line of credit account
      • A smartphone or tablet that can download an app or access the web
      • Any phone with text-messaging capability for Text Banking
    • It’s easy. You only have to sign up once – via the U.S. Bank Mobile app, U.S. Bank Mobile Web or U.S. Bank Online Banking – to get access to your accounts all three ways. You can sign up any way you’d prefer, and you can elect particular services at the same time:

      1. Download and install the Mobile app from your app store.
        • Once the app is installed, launch it and sign up from your phone. Start your signup by setting up your Personal ID.
        • During signup, you’ll have the option to also sign up to pay bills, make deposits and view statements online.
      2. Visit Mobile Web on your smartphone at m.usbank.com.
        • After setting up your Personal ID, you’ll have the option to sign up to pay bills, make deposits and view statements online.
      3. On your computer, go to Online Banking at our desktop site at www.usbank.com and sign up for Online Banking.
        • After setting up your Personal ID, you’ll have the option to sign up to pay bills, make deposits and view statements online. (You can also sign up for these features later through Online Banking.)

      After you have signed up for Mobile Banking, you can register your mobile phone to use Text Banking:

      • From your mobile device: Choose “Self Service” from the main menu and then choose “Register for Text Banking.”
      • From your computer: Choose “Mobile Preferences” and then choose “Text Banking.”
    • It’s easy to sign up.

      DepositPoint
      There are three ways to sign up for DepositPoint:

      • When you first sign up for Mobile Banking

        When you’re done signing up for Mobile Banking, you’ll see a confirmation screen. Choose “Deposit Checks” and follow the instructions.

      • Any time after initial signup

        From your computer:
        Log in to U.S. Bank Online Banking and choose “Make a Deposit.” Choose “Enroll Now” and follow the instructions.

        From your mobile device:
        Choose “Deposit” from the main menu. We’ll guide you through the steps to sign up.

      Pay A Person

      • Log in to U.S. Bank Online Banking and make sure you have signed up for Bill Pay. Once you have signed up for Bill Pay, you will also be able to Send and Receive Money in the Mobile app.

      Bill Pay

      • You’ll have access to Bill Pay once you’ve set up a U.S. Bank Online Banking account and signed up for Bill Pay during enrollment. To sign up later for Bill Pay, log in to U.S. Bank Online Banking and click "Pay Bills" on the left sidebar. Then click on "Enroll Now" and follow the instructions to apply.
    • Yes. You can have Account Alerts and Security Alerts sent to you by text or email.

      • Security Alerts are sent when changes are made to your personal information like your address or Personal ID.
      • You can choose your own Account Alerts to keep you informed about payment due dates, deposits or other activity.
    • Using either the Mobile app or Mobile Web, you can add one or more eligible accounts as overdraft protection to your checking account, or change the order in which accounts are linked for overdraft protection, with the following steps.

      • After logging in, from the My Accounts page, select the checking account to receive overdraft protection
      • Scroll to the bottom of the Activity page and select the "Overdraft Protection" button
      • On the Overdraft Protection screen, select the “Add/Edit button to add, delete or change the order in which the accounts are linked
      • Remember to select "Save" to ensure your changes are effective
      • Yes, as long as your mobile carrier offers Internet service in the country you are visiting. Note: The ability to deposit checks using DepositPoint isn’t available outside the U.S. All additional roaming, access and text charges from your carrier will apply.
    • No. Mobile Banking services are currently only available in English.
    • We don’t charge a fee to access the Mobile Web or download and use the Mobile app. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile Web or the Mobile app. Check with your carrier for specific fees and charges. For DepositPoint™ in the Mobile app, a fee of 50 cents will be charged for each deposited check. For Text Banking and Alert Services, standard messaging and data rates from your mobile carrier may apply. Any fees for optional transactions will be identified during registration for these services and during their use.
    • Transaction Search lets you find account transactions – or a range of transactions – using the search criteria Transaction Description, Type, Amount, Date or Check Number.
    • Yes. You can sort by Transaction Date, Description, Type or Amount. You can also define the order of your sorted transactions – for example, highest-to-lowest or lowest-to-highest.
    • The Mobile app is a free1, downloadable application for iPhone®, iPad® and Android™ smartphones that lets you see what’s happening with your accounts, send money, transfer money, pay bills, add billers and deposit checks. You can get to the app easily through a shortcut on your phone or tablet home screen.

      • Deposit checks with DepositPoint2 and add billers using your phone or tablet camera with U.S. Bank Photo Banking
      • Pay bills
      • Send money3 to anyone in the U.S.
      • Transfer money between accounts
      • See your balances and account history
      • View eStatements
      • Find the nearest branch or ATM

      iPhone and iPad are registered trademarks of Apple Inc.
      Android is a trademark of Google Inc.

      1. The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.
      2. To be eligible for DepositPoint, you must be a U.S. Bank Online Banking customer with direct ownership in a U.S. Bank Checking or Savings account and have no more than two returned deposited items in the past three months. Deposit limits and other conditions may apply. DepositPoint is only available for use within the United States. A fee may apply. Please refer to the Online and Mobile Financial Services Agreement for more information.
      3. A fee may apply.
    • The permissions we ask for let you use various Mobile Banking features:

      • GPS: For the Branch Locator (in order to locate branches and ATM’s near your location)
      • Camera: For DepositPoint and Photo Bill Pay (take pictures to deposit a check or pay bills)
      • Contacts: For Pay a Person (send money)
      • Call Log Data: For Pay a Person (to display your contact history from sending money)
      • All iPhone models 3 and above
      • iPad models 2 and above (DepositPoint and Photo Bill Pay require a camera to function correctly)
      • Android versions 1.6 and above
    • The U.S. Bank Mobile app1 is available for download at usbank.com/mobile or through U.S. Bank Online Banking. You can also get the app by searching for "U.S. Bank Mobile app” in the App Store™ (for iPad® or iPhone®) or on Google Play™ or the Amazon™ app store (for Android™ smartphones.)

      iPhone and iPad are registered trademarks, and App Store is a service mark, of Apple Inc.
      Google Play and Android are trademarks of Google Inc.
      Amazon and all related logos are trademarks of Amazon, Inc.

      1. The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.
    • Once you’ve installed the app, you’ll be guided through the steps for first-time signup and setting up your Personal ID at the login screen.

      If you already have a Personal ID and password that you set up through Online Banking at our desktop site or Mobile Banking at m.usbank.com, no additional setup is necessary. Just open the app and log in to start banking.

    • Yes. Both the U.S. Bank Mobile app and Mobile Web will show your account information and let you manage accounts. Note that some features are only available in the Mobile app, including Photo Bill Pay and DepositPoint™ Mobile.
    • We continuously add performance improvements as well as new features and services.
    • First check your device or app store for notices about version updates. If an update is available, follow the instructions to download.
    • No. You can use the same Personal ID and Password for both Mobile and Online Banking.
    • We don’t charge a fee to download and use the Mobile app. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Fees apply to the DepositPoint™ feature. For Text Banking and Alert Services, standard messaging and data rates from your mobile carrier may apply. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.
    • You can access the Mobile Web at m.usbank.com through your phone’s web browser. It gives you a version of features U.S. Bank offers online that’s optimized for viewing on your mobile device.

      • Pay bills
      • Send money to anyone in the U.S.
      • Transfer money between accounts
      • See your balances and account history
      • View eStatements
      • Find the nearest branch or ATM
    • If you already have a Personal ID and password that you set up in the Mobile app or through Online Banking at our desktop site, no additional setup is necessary. Just log in to start banking.

      If you don’t yet have a Personal ID and Password, visit m.usbank.com on your mobile device to set them up. You’ll be guided through the steps for first-time signup starting at the login screen.

    • Yes. A smartphone or tablet with a web browser is all you need to access the Mobile Web.
    • Yes, you’ll need a Personal ID and password. If you don’t have these, you can sign up anytime at m.usbank.com or through Online Banking at our full site.
    • Yes. After logging in, go to “More” and then “Go to Self Service. “ Under “My Documents,” select “eStatements” and then tap on a statement date to open that statement.
    • Yes. You can pay any biller that you have added through the Online Banking site, Mobile app or Mobile Web.
    • Text Banking is a unique way to get all of your account information quickly using any phone with texting (“SMS”) capability.
    • With Text Banking, you can check your account balances and transaction history, with or without a smartphone or iPad. Some smartphone users use Text Banking to get quick information without opening and logging in to the app or a browser.

      Our Mobile app also lets you pay bills, transfer and send money, and deposit checks.

    • Text banking will work with all devices supported by: AT&T, Boost, Nextel, Sprint, T-Mobile®, Verizon Wireless, Cincinnati Bell, U.S. Cellular® and Google Voice.

      Check with your carrier for details about text messaging charges.

    • No personal information is exchanged through your mobile device for text banking.
    • To sign up for Text Banking:

      • From your computer: In Online Banking, choose “Mobile Preferences,” select “Text Banking” and follow the simple steps provided.
      • From your mobile device: Choose “Self Service” from the main menu in either the Mobile App or Mobile Web, then choose “Register for Text Banking.”
    • You can text the following commands to us at 872265. We’ll send a return text with the info you need.

      • BAL = See balances for all of your accounts
      • HIST = Text “HIST A1,” “HIST A2,” “HIST A3,” etc. (meaning Account 1, 2 or 3) to see the transaction history for specific accounts
      • ATM = Text “ATM” plus a “ZIP Code” (“ATM 12345”) to find ATMs
      • BRANCH = Text “BRANCH” plus a “ZIP Code” (“BRANCH 12345”) to find a branch.
      • HELP = See how to get help
      • GET APP = Text to receive a link via SMS that will allow you to download the U.S. Bank Mobile app from your app store.
      • STOP = Stop getting text messages from U.S. Bank. NOTE: This command does not deactivate SMS Text Banking. See Mobile Preferences in Online Banking to stop SMS texts.
    • If you have multiple accounts, you can name them to make retrieving information easier. By default, they’re called “A1” (Account 1), “A2” and so on. Add these names to get the account history of specific accounts. For example, to get the transaction history on your second account text "HIST A2." To see your nicknames, text “BAL” to 872265.

      You can use the Mobile app or Mobile Web to activate or deactivate a mobile phone number and update SMS/Text nicknames.

    • You can use the Mobile app or Mobile Web to activate or deactivate a mobile phone number and update SMS/Text nicknames.
    • No. You sign up for Account Alerts through U.S. Bank Online Banking. There, you can tell us what kinds of updates you’d like to receive regularly, from payment due dates to transactions and balances.
    • No. Commands can be sent in lowercase (bal) or all capital letters (BAL).
    • No. Currently you cannot search for specific transactions.
    • Messages are usually returned within one minute.
    • We make every effort to keep information contained to a single text. However, if you have a lot of accounts, or high balances, the message may be split into two. In some cases, messages may arrive out of sequence.
    • In Online Banking:
      Select “Mobile Preferences” to update your contact information. Choose “Text Banking” to deregister your old number and activate your new one for Text Banking.

      In Mobile Banking:
      Select “Self Service from the main menu to update your contact information. Choose “Register for Text Banking” to deregister your old number and activate your new one for Text Banking.

    • We do not charge you for text messages. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings.
    • For help with your deposit and loan accounts, please call 800-US BANKS (800-872-2657). We're ready to help 24 hours a day, 7 days a week.

      For help with Mobile Banking, please call 866-578-5007.

      For Credit Card account support, call Cardmember Services at 800-285-8585.

      For password, Personal ID, ID Shield and account security questions call 800-685-5035.

      If you're having technical issues with your phone or have questions about mobile data access or data charges on your phone bill, contact the customer service department of your mobile service provider.