Home loans customer service

You can make a payment through mobile or online banking using any checking account opened within the United States. Please note, if you’d like to pay using a checking account that’s not on file, you’ll need to add it to digital banking first. Review the steps in the “Add a payment account” section below to find out how.

If you have multiple accounts with U.S. Bank, follow these steps.

1. Select Bill payments, then choose Pay bills & U.S. Bank accounts.
   Mobile users only: Select Pay bills & transfer, then choose Pay a bill.
2. Locate your mortgage account and select an amount to pay. You can choose one or more of the following items:
   • Mortgage payment (i.e., monthly amount due).
   • Additional amount towards the principle balance.
   • Additional escrow amount.
3. Use the drop-down menu to choose which account* you’d like to pay from.
4. Change the payment date, if desired.
5. When ready, select Review & pay to submit the payment.

If you only have a mortgage with U.S. Bank, follow these steps.

1. Select your mortgage account from the dashboard and choose View, pay & manage.
2. Choose Payment at the top of the page.
   Mobile users only: Open the main menu first (three vertical dots), then choose “Payment”.
3. Choose to pay the Monthly payment or Other payment. Options include paying an additional amount towards your principle balance or escrow account.
4. Use the drop-down menu to choose which account* you’d like to pay from.
5. Change the payment date, if desired.
6. When ready, select Submit payment.

*Add a payment account.

Here’s how to add a checking account that’s not on file with U.S. Bank.

1. Select your mortgage account from the dashboard.
   • If you have multiple U.S. Bank accounts, choose View and manage.
   • If you only have a mortgage, choose View, pay & manage.
2. Choose Payment at the top of the page.
   Mobile users only: Open the main menu first (three vertical dots), then choose “Payment”.
3. Locate the “Payment methods” section and choose Add account.
4. Enter your payment information and select Save.

To see other options for making your payment, watch this video: Payments made easy.

You can easily view your payoff for your mortgage account; here's how:

Online banking 

For the best online experience, we recommend logging in at usbank.com.

1. Select your mortgage account from your dashboard, then select Request payoff quote. 
2. Choose the day you'd like the payoff through, then select Request payoff quote. The payoff quote is valid only through the date selected. 
3. Choose how you'd like to receive the quote. Options are found below the payoff details. 

• • Text, email, or download: The quote can be sent by text, emailed to one or two email addresses or it can be downloaded as a PDF file. This gives you the flexibility to print it, send it to another number or address, and save it for your records. 
  • Mail or fax: We can send you a paper version of the payoff quote. Just let us know where to send it. Estimated mail delivery is five to seven days and it's sent to the mailing address on file. To ensure your fax request gets to you, please check your fax machine to see if it's on, has paper and ink, and is connected to the land line or applicable network. In the event the first fax attempt is unsuccessful, we'll make two additional attempts to send your quote.

Additional information

• Instructions to submit payment using wire transfer or check are included in the letter. 
• The payoff quote includes all calculated interest up to the date selected. 
• If you'd like to fax a payoff request to us, send it to 800-200-8772. Please include your name, account number, address, and the return fax number for us to reply to. 
• To learn more about what to expect after paying off your mortgage, watch this video: What happens when you pay off your mortgage?

We want to make the process of updating your homeowner's insurance as simple as we can. If you have questions about your mortgage account, please call us at 800-365-7772. We accept relay calls. 

We suggest reviewing the document for the following information:

• Your first and last name
• Property address
• Policy number
• Loan number (can be hand written)
• Premium amount
• Policy coverages
• Deductibles
• Effective and expiration dates
• Any policy exclusion(s)

If everything is in order, follow these steps to electronically submit your information.

1. Visit ihaveinsurance.com/usbank and select Upload my insurance document.
2. Provide your first and last name, loan number, and email address. 
3. Choose Select a document to Upload.
4. Choose your insurance document from your saved files. The form will automatically submit your personal information and document.

Additional information:

• The option to use this service requires the insurance document to be in .TIF, .JPG or .PDF formats (less than 10Mb).
• ihaveinsurance.com/usbank is mobile friendly so you can complete this whole process directly from your smartphone and use your camera to take a picture of your Declaration Page. If you have questions about this site, please contact 833-249-6395. Hours of operation are 7 a.m. to 8 p.m. CT, Monday through Friday.

You can easily log into your mortgage account through the U.S. Bank Mobile App or online banking. You can also learn more about how to manage your mortgage account here.

Visit our U.S. Bank Real Estate Owned (REO) Properties page to view our FAQs. If you're having trouble with your mortgage payment, visit our Mortgage Assistance page.

Checking the status of your loan or line application is easy. You can choose one of the options below that is most convenient for you to get an update.

• Log in to the Application Status page.
• Call us at 877-625-5249.
• Contact your local branch.

Follow the steps below to make a payment towards your account balance. Please note, if you'd like to pay more than one bill when using mobile banking, repeat the steps. There's not a limit to how many individual payments you can make.

Online banking

1. Choose Bill payments at the top of the page, then select Pay bills & U.S. Bank accounts.
2. Choose the bill(s) you'd like to pay.
3. Select the payment date and amount for each bill you'd like to pay.
4. Choose the checking or savings account to pay from. 
5. Select Review & pay, then Pay once more to confirm your payment. 

U.S. Bank Mobile App

1. From the dashboard, select Pay bills & transfer, then choose Pay a bill.
2. Select the credit account you'd like to pay, then choose Pay on the next screen.
3. Select Pay this amount. Here, you'll enter or choose how much you'd like to pay and select Save.
   Optional: Select Deliver payment by if you want to change the date, then select Save.
4. Choose the checking or savings account to pay from, then select Save.
5. Select Pay now to confirm your payment.

Setting up autopay is easier than ever. When you've gone through the process, we'll provide you a confirmation page to review. It'll tell you when the first payment starts, how much is being paid, and what date it'll be paid each month. Here's how:

How to set up autopay in online banking

1. Select Bill payments at the top of the page, then choose Pay bills & U.S. Bank accounts.
2. Select the account you want automatically paid, by clicking on the account name, then choose Autopay set up now (found on the right side of the page).
3. Provide the following information. We encourage you to review the terms of service before starting.  
   
   • Pay this amount: Choose how much to pay.
     Options include minimum payment, statement balance, minimum payment with extra, or other amount.
   • Send payments before or on due date: Choose when you'd like the payment to be delivered.
     This is considered the day the payment is made, also known as the transaction date.
   • Pay from: Choose the account to pay from.
     If you're paying from an external account, you'll need to add it to your list of external payment accounts before setting up autopay.
4. Select Continue to review your autopay settings. If they look good, choose Start autopay.  

How to set up autopay in the U.S. Bank Mobile App

1. Select Pay bills & transfer at the bottom of the dashboard, then choose Pay a bill.
2. Select the account you want automatically paid, then choose Autopay set up now.
3. Provide the following information. We encourage you to review the terms of service before starting.   
   
   • Amount to pay: Choose how much to pay.
     Options include minimum payment, statement balance, minimum payment with extra, or other amount.
   • Make payments: Choose when you'd like the payment to be delivered.
     This is considered the day the payment is made, also known as the transaction date.
   • Pay from: Choose the account to pay from.
     If you're paying from an external account, you'll need to add it to your list of external payment accounts before setting up autopay.
4. Select Continue to review your autopay settings. If they look good, choose Start autopay.  

We make it easy to transfer money between your accounts. Here's how: 

Online banking 

1. Select Transfers from the top menu bar then choose Transfer money.
2. The Transfer Money page will default to Internal Transfers. Use the drop-downs to choose which account you'd like to transfer the money from and to. 
3. Input the desired amount and use the Frequency drop-down to choose how often you want the transfer to occur.
4. Use the date picker to select the start date of your transfer then select Next. 
5. Review your transfer details and if everything is correct, select Submit. 

U.S. Bank Mobile App 

1. Select Pay bills & transfer at the bottom of the account dashboard, then Transfer money.
2. Choose the accounts you want to transfer from and to.
3. Enter the amount, then use the Repeat this Transfer toggle switch to activate the recurring transfer.
4. Choose the desired frequency and stop repeating date.
5. Select Transfer $xxx. Review the details of your transfer, select Transfer $xxx to confirm.
6. A confirmation screen will display with the details of your transfer. Select Done to return to the account dashboard.

Additional information

To make a payment to your account, see: How do I make a payment on my credit card, lease or line of credit?

U.S. Bank can help you understand your rights as they relate to key provisions of the SCRA. Our Military Service Center is available to assist with any of your financial needs including questions related to SCRA and requesting benefits. 

Military Service Center contact information and hours of operation:

Phone (in the U.S.): 800-934-9555
Phone (international collect): 513-277-5899
Email: 24hrmilitaryservicecenter.shared@usbank.com
Hours of Operation: Monday - Friday 7 a.m. - midnight (ET)

U.S. Bank Military Service center
Things to know about the Servicemembers Civil Relief Act

We accept relay calls. 

We're proud to offer military checking benefits, VA home loans and more to support military service members, veterans and families of veterans.

Learn more about our military banking programs. You can also contact our Military Service Center where we can assist you with many of your financial needs.