Take action to get Overdraft Paid Fees waived.

When life happens, we offer options that may help.

If your Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee that day.

If you’re overdrawn by $50.01 or more and you were charged an Overdraft Paid Fee(s), Overdraft Fee Forgiven1 gives you time to take action2 to have the fee(s) waived. Fund your account with qualifying deposits1,3 to cover the overdraft by 11 p.m. ET the business day you were charged the Overdraft Paid Fee(s). Your deposit does not need to cover the fee(s) charged.4

Not yet a U.S. Bank customer?

Stay informed.

Set up your alert preferences for Overdraft Fee Forgiven and we’ll send you email, text5 or push notification(s).

The Overdraft Fee Forgiven screen will tell you the minimum amount of funds1,3 you need to deposit and the deadline to deposit those funds.

You can also contact 24-Hour Banking at 800-USBANKS (872-2657) or a local branch for this information if you’re not an online or mobile app customer. We accept relay calls.

Note: Make sure to have the most up-to-date version of our mobile app to see the Overdraft Fee Forgiven screen.

Monitor your account.

Once you’ve funded your account, you’ll be in a review pending state. Monitor your balance frequently for any new transactions that come through6 and make sure your balance is at least $01,3 at 11 p.m. ET.

If you have met the requirements, you’ll see the waiver before the start of business the following morning. You’ll get a notification via email and on the Overdraft Fee Forgiven screen.

Bank Smartly with U.S. Bank.

Manage your cash flow easily with automated budgeting. Move money safely with Zelle®.7 Save and spend wisely with the help of our Insights and Goals tools.

Tap into an array of programs and tools that work together to put you - and keep you - on the road to financial wellness.

Download the latest version of the U.S. Bank Mobile App to take full advantage of these resources.

Grow your financial knowledge.

Financial IQ has an abundance of interesting and relevant articles, videos, quizzes and more that can help you take control of your financial wellness.

Frequently asked questions

Start of disclosure content
Disclosures
  1. U.S. Bank consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s) waived with qualifying deposits. The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account for a fee waiver at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s).  If your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is $0 or more we will waive Overdraft Paid Fee(s) charged.

  2. The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and the account was charged an Overdraft Paid Fee(s). It ends at 11 p.m. ET on the day the account was charged an Overdraft Paid Fee(s). If that day is a federal holiday or weekend, then the period ends at 11 p.m. ET the next business day.

  3. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.

  4. Overdraft Paid Fee(s) will be charged to the account during the Overdraft Fee Forgiven period. To bring the Available Balance to $0 or more, the deposit amount does not need to include the Overdraft Paid Fee(s) charged to the account. The Overdraft Paid Fee(s) may still be reflected in the Available Balance until after the account is reviewed at 11 p.m. ET. 

  5. For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that these alerts may not be sent immediately.

  6. Review your account frequently during the Overdraft Fee Forgiven period as any additional transactions that further overdraw your account will need to be covered by your deposit.

  7. A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

Start of disclosure content

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Refer to Your Deposit Account Agreement and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.