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 Method | Due Date Falls On | Cut Off Time | Funds Available |
| usbank.com (desktop/mobile sites) | Business day | 6 p.m. local time* | Next business day |
| Non-business day | 8 p.m. CT | Two (2) business days | |
| Phone (with Cardmember Service) | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two (2) business days | |
| Phone (with 24-Hour Banking) | Business day | 6 p.m. local time* | Next business day |
| Non-business day | 8 p.m. CT | Two (2) business days | |
| Branch (with a teller) | Business and non-business days |
Branch closing time** | Up to two (2) business days |
Payments made from Non-U.S. Bank accounts:
| Payments Made Through | Due Date Falls On | Cut Off Time | Funds Available |
| usbank.com (desktop/mobile sites) | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two (2) business days | |
| Phone (with Cardmember Service) | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two (2) business days | |
| Branch (with at teller) | Business and non-business days | Branch 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.