Campus Banking

Disclosures

1. U.S. Bank Smartly® Checking bonus: To be eligible, the Primary Signer on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 either online through the U.S. Bank campus page or at a participating U.S. Bank campus location from December 16, 2025 through and including February 26, 2026. You must have a minimum of $1,000 or more in total new money deposit(s), complete 10 or more debit card purchases totaling $100 or more using your associated debit card as well as enrollment in online banking or the U.S. Bank Mobile App all within 90 days of account opening. Your promotional offer will be automatically applied if you open your account through the promotional offer web page, or if opening in a branch or via telephone, must be activated by your banker at account opening. New money is considered money that is new to the customer or new to U.S. Bank where funds are coming from outside U.S. Bank. Funds cannot be transferred from another U.S. Bank product. All transactions must be posted to the account within those 90 days. Pending transactions, ATM withdrawals and withdrawals at a branch using your debit card are not qualifying transactions. Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements. Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers.

   A rate of 0.001% Annual Percentage Yield (APY) applies to accounts with balances between $0-$24,999.99. A rate of 0.005% APY applies to accounts with balances of $25,000.00 or more. Bank Smartly Checking is a tiered-rate account. Advertised rates are variable and effective as of 10/30/2025. Rates in any tier are subject to change at any time before or after account opening. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account. Fees could reduce earnings on the account.

   Additional Terms & Conditions: Limit one checking bonus per tax ID. Current U.S. Bank employees are eligible to participate. Offer may not be available if you live outside of the U.S. Bank footprint. Offer not available through Alliance partnerships. Offer not available with Trust Accounts. Other restrictions may apply. All standard account terms, conditions and opening procedures apply. For a comprehensive list of account pricing, terms and policies, see the Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure. Deposit products offered by U.S. Bank National Association.

2. Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date. Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

   The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

   Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

3. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

4. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2025 (also 2015–2024); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

5. Late payments and going over the credit limit may damage your credit history.

6. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 spent in Net Purchases. Net Purchases are Purchases minus credits and returns. In addition, you will earn 4 Points (1 base and 3 bonus Points) for every $1 spent on your first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases. You will earn 2 Points (1 base and 1 bonus Point) for every $1 spent on purchases in the following categories: grocery store and supermarket (wholesale clubs and discount stores/supercenters such as Target and Walmart will earn only 1 Point); gas station and electric vehicle charging station (wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will earn only 1 Point) and qualifying streaming subscription services. Refer to Program Rules for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

7. The interest rates and Annual Percentage Yields (APYs) for the Bank Smartly® Savings account are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. For additional details about the U.S. Bank Smartly Savings Interest Rate Bump, see the U.S. Bank Smartly Savings Rate Sheet.

8. Bank Smartly Savings account Monthly Maintenance Fee: The $5 monthly maintenance fee is waived when you are an owner of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® Card, or for accounts with a minor under the age of 18.

9. 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 business 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.