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Debit and Check Card FAQs

A U.S. Bank Visa® Check Card gives you the convenience of making purchases anywhere Visa is accepted. Your purchases are deducted from your checking account, just as if you’d written a check.

  • A check card can speed up your transactions, because it’s faster than writing a check.
  • Using your check card lets you carry less cash because your check card works at thousands of ATMs.
  • Got a question we haven’t answered in our personal checking FAQs? Call us 24 hours a day at the location nearest you:

Cincinnati metro: 513-632-4141
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Denver metro: 303-585-8585
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Milwaukee metro: 414-765-4636
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Minneapolis/St. Paul metro: 612 US BANKS
(612-872-2657)
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Portland metro: 503 US BANKS
(503-872-2657)
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St. Louis metro: 314-425-2000
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All other areas: 800 US BANKS
(800-872-2657)
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TDD (all areas): 800-685-5065

About Your Check Card

What is a Check Card?

Your U.S. Bank Visa® Check Card is a debit card that lets you make purchases quickly and conveniently, anywhere Visa is accepted. The purchases you make with your check card are deducted from your checking account, just as if you’d written a check. You can also use your check card at ATMs and for transactions at U.S. Bank branches.

Why Does My Card Have a Visa® Logo?

The logo on your check card lets you use it at millions of locations around the world that accept Visa debit cards. This includes movie theaters, restaurants, gas stations, online purchases and ATMs. But your purchases are always deducted directly from your checking account.

Using Your Check Card

How do I Activate My Card?

Before you can use your U.S. Bank Visa Check Card, you’ll need to activate it.
Your new check card and Personal Identification Number (PIN) will arrive separately in the mail. Once you receive both your card and your PIN, you can activate your check card by doing any one of the following:

After you've activated your card, simply sign your name on the back and it’s ready for you to start using it.

How Can I Track My Purchases?

There are several ways to track your check card purchases. You can enter your transactions in your checkbook register. Your purchases will also appear on your monthly checking account statement. Or, you can keep track of your check card purchases with U.S. Bank Online Banking. Not yet enrolled? Enroll today.

Does My Card Have Purchase and Withdrawal Limits?

Yes, your check card is subject to daily purchase and cash/ATM withdrawal limits. To find out what your daily purchase limit is, log in to U.S. Bank Online Banking, or call your local U.S. Bank 24-Hour Banking phone number.

Can I Use My Card to Pay My Bills?

Yes, You can use your U.S. Bank Check Card to pay just about any bill online or over the phone. In most cases, the payment is credited to the account immediately. You can also schedule ongoing payments, if you prefer.

 

Safety and Security

Are Check Cards and Debit Cards Safe?

Yes, your check card is safe. If your check card is ever lost or stolen, no one will be able to use it at an ATM unless they know your PIN (that's why you should keep your PIN secret and never write it down).

Your card is also backed by the Zero Fraud Liability2, which means that you will not be held responsible for any unauthorized purchases made with your check card. If there is a fraudulent purchase, immediately contact U.S. Bank 24-Hour Banking and ask to have your card “turned off.” After we verify your claim, your account will be reimbursed for lost funds by the end of the next business day.

In addition, we can often detect unusual transactions that may indicate fraudulent use. If that happens, we’ll contact you immediately. View additional tips on fraud protection.

Can Someone Use a Receipt to Access My Account?

No. Purchase receipts should only display the last four digits of your check card number. So, even if someone finds one of your receipts, they won't have enough information to access your account.

Are Internet and Phone Purchases Safe?

Yes. Your card is protected by Zero Fraud Liability2, which means that you will not be held responsible for any unauthorized purchases made with your check card.

How Can I Monitor My Account?

Enjoy greater convenience, control and peace of mind with our Account Alerts. Sign up to be notified — via email or text message — when you’re about to exceed your account limits, when you’ve made a deposit or withdrawal, and more.

Why U.S. Bank?

Why choose a U.S. Bank Visa® Check Card?

With U.S. Bank, you get the strength of our national presence and the friendliness of a local bank. We offer a wide range of financial products, including many exclusive free services. We also offer convenient access with more than 3,000 branches and 5,300 bilingual ATMs across the U.S. Plus, you can reach us 24 hours a day at usbank.com and at 800-US BANKS (800-872-2657).
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  1. The U. S. Bank Visa Check Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A., Inc.

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  2. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

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  3. Not all ATMs accept deposits and payments. Transaction fees may apply when used at non U.S. Bank ATMs. Other ATM owners may assess a usage fee.

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

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