Making a principal-only or escrow payment is quick and easy to do when using digital banking. It’s also one of our more efficient ways to pay. You can also pay any escrow shortage you have using these steps.

And we offer other options such as paying at a branch, by phone or by mail. View our More information section below for additional details.

To make a principal-only or escrow payment using online banking (if you have multiple accounts)

1. Select Transfer & pay, then choose Pay bills.
2. Locate your mortgage account and complete the following fields:
   1. Amount: Use the drop-down menu and choose Additional principal amount and/or Additional escrow amount. Then enter the amount(s) you’d like to pay.
   2. Deliver by (optional): Select the calendar icon and choose a new day if you want to pay on a future date. Otherwise, the date defaults to the same day you’re paying the bill.
   3. Pay from: Use the drop-down menu to choose the account you’d like to pay from.
      Note: You can select Add an external account if there’s a deposit account you’d like to use, but it’s not listed.
      See also: How do I add or remove an external account I use to pay bills?
3. When ready, select Review & pay.
4. Review the payment details. If correct, select Pay.

To make a principal-only or escrow payment using the U.S. Bank Mobile App (if you have multiple accounts)

1. Select Transfer & pay, then choose Pay bills.
2. Locate and select your mortgage account.
3. Select Make a payment and complete the following fields:
   1. Amount: Select this tile and choose Additional principal amount and/or Additional escrow amount. Then enter the amount(s) you’d like to pay.
   2. Deliver payment by (optional): Select this tile and choose a new day if you want to pay on a future date. Otherwise, the date defaults to the same day you’re paying the bill.
   3. From: Select this tile to choose the account you’d like to pay from.
      Note: You can select Add an external account if there’s a deposit account you’d like to use, but it’s not listed.
      See also: How do I add, edit, or remove an external account I use to pay bills?
4. When ready, select Pay now.
5. Review the payment details. If correct, select Pay.

Mortgage only account holders: To make a principal-only or escrow payment using online banking and the U.S. Bank Mobile App

1. Select your mortgage account from the dashboard and choose View, pay & manage.
2. Online banking: Choose Payment at the top of the page.
   U.S. Bank Mobile App: Open the main menu (three vertical dots below your name) and choose Payment.
3. Choose Other payment and complete the following fields:
   Note: If you’re enrolled in autopay, first choose Make an additional payment, then Other payment.
   1. Additional principal and/or Additional escrow: Enter the amount(s) you’d like to pay.
   2. Payment method: Use the drop-down menu to choose which account you'd like to pay from.
   3. Payment date: Select the calendar icon and choose a new day if you want to pay on a future date. Otherwise, the date defaults to the same day you’re paying the bill.
4. When ready, select Submit payment.
5. Review the payment details. If correct, select Authorize payment.

More information

Make payments to the principal only or escrow at a branch, by phone or by mail.
See also:

• How can I find a U.S. Bank ATM or branch location near me?
• How do I make a mortgage payment using your automated phone system?
• Where do I mail my mortgage payment?

View our Additional information about mortgage payments page to learn more.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.