Let's start by explaining what we mean by external accounts. An external bank account is a checking or savings account that's with another financial institution, like a bank or credit union.

To add an external account using online banking and the U.S. Bank Mobile App

1. Select Transfer & pay, then choose Pay bills.
2. Locate an upcoming bill that’s due, open the drop-down menu below “Select an account” and choose Manage non-U.S. bank account.
3. Select Add external account and choose how you'd like to add it. 
   • Log in with your other bank.
     1. Search and select the bank’s name. Enter your username and password for them and choose Continue. 
     2. Follow your bank's instructions to select your account.
     3. Choose the option to return to U.S. Bank. Your account has been added.
   • Add your external account manually.
     1. Select your account type.
     2. Enter the account and routing number for your external account.
     3. Choose Submit to add it.
        Note: If the message "Request temporary deposit" appears, follow the on-screen steps to continue. 
        See also: What are microdeposits? and How do I complete a microdeposit verification for external accounts?

To edit an external account

The existing information can't be changed. Instead, it'll need to be removed, then added again.

To remove an external account using online banking and the U.S. Bank Mobile App

1. Select Transfer & pay, then choose Pay bills.
2. Locate an upcoming bill that’s due, open the drop-down menu below “Select an account” and choose Manage non-U.S. bank account. 
3. Select Manage external accounts.
4. Choose the trashcan icon to the right of the account number. Then select Remove to complete the action.