KNOWLEDGE BASE

When will the funds be available on my credit card after I make a payment?

Typically, you’ll be able to use the funds one to two (1-2) business days after you make your payment. For example, if a payment is made before the cutoff time on Thursday, the funds will be available on Friday. 

Review the charts below for our cutoff times and when your funds will be available. These times will vary depending on if the payment is made from an account with U.S. Bank or not.

Payments made from U.S. Bank accounts:

Payment MethodDue Date Falls OnCut Off TimeFunds Available
usbank.com
(desktop/mobile sites)
Business day6 p.m. local time*Next business day
Non-business day8 p.m. CTTwo (2) business days
Phone
(with Cardmember Service)
Business day7 p.m. CTNext business day
Non-business day7 p.m. CTTwo (2) business days
Phone
(with 24-Hour Banking)
Business day6 p.m. local time*Next business day
Non-business day8 p.m. CTTwo (2) business days
Branch
(with a teller)
Business and non-business days

Branch closing time**
(varies by location)

Up to two (2) business days


Payments made from Non-U.S. Bank accounts:

Payments Made ThroughDue Date Falls OnCut Off TimeFunds Available
usbank.com
(desktop/mobile sites)
Business day7 p.m. CTNext business day
Non-business day7 p.m. CTTwo (2) business days
Phone
(with Cardmember Service)
Business day7 p.m. CTNext business day
Non-business day7 p.m. CTTwo (2) business days
Branch
(with at teller)
Business and non-business daysBranch closing time**
(varies by location)
Up to two (2) business days

If your funds aren’t available as expected, please call us and we’ll review your account. We can be reached at the number on the back of your card, or at 800-285-8585.


Please be aware if you’re in a different time zone than where your account was opened, this will affect your cutoff time. For example, you’re in Minneapolis and need to make your credit card payment. You want to use your checking account opened in Seattle. Based on this information, the cutoff time is based on PT, not CT where you’re at.

*Local time refers to the time zone in which the payment account was opened.

**Branch closing times vary by location. Please contact your local branch for hours of operation or visit us online at usbank.com for locations and hours.