1. Actual individual savings and benefits may vary depending on the products used and balances maintained. Products and services for each Five Star Package have been combined to offer consumers preferred rates and services at a lower combined price than if each product or service were opened separately. For example, a customer in a Five Star Platinum Package with an average outstanding balance of $50,000 on a home equity line of credit will realize $500 in annual savings.
   
   NOTE: A Five Star Checking account and Five Star Money Market Savings and/or qualifying U.S. Bank Credit Card must be opened with the same accountholder names on each account to be eligible for a Five Star Personal Banking Package and its benefits.

   Back to text

2. A surcharge fee may be applied by the ATM owner.

   Back to text

3. No-fee banking privileges includes no U.S. Bank fees on overdraft protection transfers (through Reserve Line, credit card and another deposit account), money orders, cashier's checks, counter checks, single-signer traveler's cheques, copies of checks and other items, copies of statements, and stop payment fees.

   Back to text

4. Combined deposit balances include personal checking, savings, CDs, IRAs and HSAs. Outstanding credit balances include personal purpose loans (some indirect not included), Home Equity Loans, Home Equity Line of Credit, Premier Line, U.S. Bank mortgage and credit cards.

   Back to text

5. Overdraft Items Paid or Overdraft Item Returned (NSF) fees waived upon first overdraft occasion in a 12-month period.

   Back to text

6. Reward bonus applies to U.S. Bank FlexPerks Cash Bonus Visa Check Cards and U.S. Bank FlexPerks Select Rewards, Travel Rewards and Cash Rewards Visa Credit Cards only. Earn a monthly bonus on the reward you earn during the month. Only signature-based purchases qualify for rewards. Cash advances, ATM transactions, and purchases made with a PIN do not qualify. The Interest Rebate is available on the non-rewards U.S. Bank Visa Platinum credit card and paid annually in November. The interest finance charge rebate amount is based on the total interest that was accrued in the previous 12 months.

   Back to text

7. Maximum discount on mortgage origination fee is $1,000. Certain mortgages may not be eligible.

   Back to text

8.  No closing costs or annual fees.

   Back to text

To continue eligibility for the Five Star Package benefits, the qualifying accounts must be open, active and in good standing. Qualifying accounts include the Five Star Checking and Five Star Money Market Savings and/or any U.S. Bank Credit Card.

See the U.S. Bank Your Deposit Account Agreement booklet, Consumer Pricing Information brochure and Consumer Pricing Addendum—Five Star Personal Banking Packages which contain additional fees and disclosures applicable to deposit accounts. Other conditions and restrictions may apply; see your banker for details. Credit products are subject to approval and are offered through U.S. Bank, National Association ND and N.A. Deposit and mortgage products are offered through U.S. Bank, N.A., Member FDIC