How do I sign up for overdraft protection and manage it?

Please note, overdraft protection requires the same owners to be on the deposit account and the overdraft protection account(s).  

Online banking

  1. Select Customer Service at the top of the page, then choose Self Service.
  2. Select the Overdraft options within the Deposit Account & Check/ATM Cards section.
  3. Scroll to select Overdraft Protection at the bottom of the page.
  4. Choose the checking account you'd like to have covered.
  5. Select Edit to choose the overdraft protection account(s), then select Save.

U.S. Bank Mobile App

  1. From the dashboard, select the account you’d like covered. 
  2. Choose Account options, then select View account information.
  3. Choose Overdraft Protection.
  4. Select Add/Edit to choose the overdraft protection account(s).
  5. Hold and drag the account to change the overdraft protection order. Select Save.

More information

You can link up to three eligible1 accounts and you can choose which one transfers funds first, second, and third. If you don’t choose the order, then funds are taken using the order in which the accounts were added.

You can choose to have overdraft coverage and overdraft protection for the same account. Overdraft protection will be tried first. If there’s not enough funds available in the overdraft protection account, then standard overdraft coverage applies. See also: What's the difference between overdraft protection and overdraft coverage?

Refer to Your Deposit Account Agreement, section titled “Overdraft Protection Plans,” for more information.

1Eligible accounts that can function as overdraft protection are listed below.

  • Savings and money markets.
  • Secondary personal checking.
  • Personal credit cards.
  • Reserve, personal, or home equity lines of credit.