Personal loans and lines customer service

Find answers about personal loans and lines of credit.

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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.

You can access your funds in multiple ways: 

You can make purchases with your card and checks, or you can transfer funds from your credit line into your checking or savings account. 

Manage my loan or line of credit.

Easily make a payment to your credit card, loan, lease or line of credit in your digital banking.

How to make a payment using online banking

  1. Select Transfer & pay at the top of the page, then select Pay bills.
  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 to confirm your payment. 

How to make a payment using the 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.

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.

To transfer money using online banking 

  1. Select Transfer & pay, External transfers & wires, then choose Transfer money.
  2. Choose which account you'd like to transfer money from and to. 
  3. Enter the amount and select the date of your transfer (if it's other than today), then choose Send transfer.
    Optional:
    • To set up recurring payments, select the checkbox next to "Repeat this transfer". Choose the frequency and when to stop it.
    • Add a memo.
  4. Review your transfer details and if everything is correct, select Send transfer. 

To transfer money using the U.S. Bank Mobile App 

  1. Select Pay bills & transfer at the bottom of the dashboard, then Transfer money.
  2. Choose which accounts you'd like to transfer from and to.
  3. Enter the amount and select the date of your transfer (if it's other than today), then choose Transfer $.
    Optional: To set up recurring payments, use the toggle switch next to "Repeat this transfer". Choose the frequency and when to stop it.
  4. Review the details of your transfer, select Transfer $ to confirm.

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.

Please note, overdraft protection requires the same owners to be on the deposit account and the overdraft protection account(s).  

Online banking

  1. Select Customer Service at the top of the page, then choose Self Service.
  2. Select the Overdraft options within the Deposit Account & Check/ATM Cards section.
  3. Scroll to select Overdraft Protection at the bottom of the page.
  4. Choose the checking account you'd like to have covered.
  5. Select Edit to choose the overdraft protection account(s), then select Save.

U.S. Bank Mobile App

  1. From the dashboard, select the account you’d like covered. 
  2. Choose Account options, then select View account information.
  3. Choose Overdraft Protection.
  4. Select Add/Edit to choose the overdraft protection account(s).
  5. Hold and drag the account to change the overdraft protection order. Select Save.

More information

You can link up to three eligible1 accounts and you can choose which one transfers funds first, second, and third. If you don’t choose the order, then funds are taken using the order in which the accounts were added.

You can choose to have overdraft coverage and overdraft protection for the same account. Overdraft protection will be tried first. If there’s not enough funds available in the overdraft protection account, then standard overdraft coverage applies. See also: What's the difference between overdraft protection and overdraft coverage?

Refer to Your Deposit Account Agreement, section titled “Overdraft Protection Plans,” for more information.

1Eligible accounts that can function as overdraft protection are listed below.

  • Savings and money markets.
  • Secondary personal checking.
  • Personal credit cards.
  • Reserve, personal, or home equity lines of credit.

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.

To set up autopay using digital banking

  1. Online banking: Select Transfer & pay at the top of the page, then choose Pay bills.
    U.S. Bank Mobile App: Select Pay bills & transfer at the bottom of the dashboard, then choose Pay a bill.
  2. Select the account you want automatically paid, by clicking on it, then choose Autopay set up now (found on the right side of the page).
  3. Optional: We encourage you to review the terms of service before starting autopay. 
  4. Provide the following information.  
    • Pay this amount/Amount to pay: 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/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.
  5. Select Continue to review your autopay settings. If they look good, choose Start autopay.  

More information

If you've recently changed your due date, you'll need to wait until after the new due date to set up autopay.

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.

Get a payoff on your loan or line of credit whenever it's convenient for you. 

How to get a payoff using digital banking

  1. From your dashboard, choose the loan or line of credit you'd like the payoff for.
  2. Online banking: Select Request a payoff quote from the "Shortcuts" menu on the right.
    U.S. Bank Mobile App: Select Manage at the top of the screen, then choose Request payoff quote.
  3. Enter a date within the next 30 days and choose Request payoff quote. 
  4. Your payoff quote will display. Choose to have it sent to you via email or download a PDF to save the quote. 

Additional information 

If the account you need doesn't appear, you can reach us at the applicable number below or visit your local U.S. Bank branch. We accept relay calls. 

  • Home loans (i.e., mortgages): 800-365-7772. 
  • All other loans and lines of credit: 800-USBANKS (872-2657). 

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.

We know life gets busy and reminders about transactions can be helpful. Manage your alerts anytime using digital banking. 

How to add or remove account alerts using online banking

  1. Choose an account from your dashboard then select the Account services tab.
  2. From the Alerts & notifications section select Account alerts.
  3. Select Account activity from the "Notifications" menu on the left. 
  4. Choose the tab that works best for you.
    • Quick setup: recommend alerts based on the account type.
    • All settings: All available alerts for the specific account.
  5. Select the chevron (>) to the left of the alert name to expand the details.
  6. Use the toggle buttons to turn the alert on or off on.
  7. You'll need to repeat these steps for each account. Select a different account from the drop down in the top right corner.

How to add or remove account alerts using the U.S. Bank Mobile App

  1. From the main menu choose Notifications, then select Account activity.
  2. Choose the tab that works best for you.
    • Quick setup: recommend alerts based on the account type.
    • All settings: All available alerts for the specific account.
  3. Select the chevron (>) to the right of the alert name to expand the details.
  4. Use the toggle buttons to turn the alert on.
  5. You'll need to repeat these steps for each account. Select a different account from the drop down in the top of the screen.

More information

The option to set up or manage account alerts is only available on our full site for the following products:

  • U.S. Bancorp Investments accounts.
  • Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U. S. Bank Wealth Management.

 

Servicemembers Civil Relief Act (SCRA)

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. 

Here's our 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.

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