Before applying for a secured credit card, please be aware of the following:

• You can deposit between $300 and $5,000. The deposit amount will be the same as your credit limit, if approved.
• You can choose to add funds electronically from any checking or savings account, as long as it was opened within the United States.
• You can choose to add funds using a cashier’s check or money order. This method requires you to:
  • Obtain the deposit from your bank.
  • Print and sign the application.
  • Mail the deposit and application.
• If your application is denied, you will receive a full refund.

If you’re an existing U.S. Bank customer

1. Log into usbank.com or the U.S. Bank Mobile App.
2. Select Products & offers.
3. Scroll to the Financial products tile and select Credit cards, then choose Learn more.
4. Select Build credit.
5. Follow the steps below to continue the process.

If you would like to skip directly to the Build Credit page or you’re not yet a customer with U.S. Bank

1. Navigate to our Build Credit page at https://www.usbank.com/credit-cards.html#buildcredit.
2. Review the secured credit cards we have to offer. Select Apply now below the one you’d like to apply for.
3. Complete the form by providing your personal details below, then select Save & continue.
   Note: If you’re an existing U.S. Bank customer and logged in, this portion of the application will automatically have your information.
   • First and last name, email address and mobile phone number.
   • Date of birth and SSN.
   • Street address.
   • Mailing address (if different than physical address).
4. Provide your housing information, then select Save & continue.
   • Tell us your monthly housing payment.
   • Mark Yes or No if you are a U.S. citizen.
   • Provide your annual income.
   • Choose your primary source of income from the drop-down menu.
5. Enter the amount you’d like to deposit.
6. Choose how you want to add funds for the deposit. Then follow the applicable steps below to complete the process.
   • If selecting Checking or savings account (electronic):
     1. Provide your account and routing numbers.
     2. Identify the account type.
     3. Select Save & continue.
     4. Review the terms. When ready, select Accept terms & Continue.
     5. Enter your SSN. We will use this to confirm you're not subject to backup withholding with the IRS.
     6. Select Submit.
   • If choosing Send a cashier’s check or money order (paper), enter the amount you’d like to deposit, then select Save & continue.
     1. Review the application details. If correct, select View & print.
     2. Review the terms. When ready, select Accept & Print.
     3. Review the final steps and the application once more for accuracy. Scroll and select Print.
     4. Sign the application.
     5. Obtain a cashier’s check or money order for the deposit amount.
     6. Mail the signed application and cashier’s check or money order to:
        
        Cardmember Service
        PO Box 6363
        Fargo, ND 58125-6363