Personal loans and lines customer service

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.

You can access your funds in multiple ways: 

• Use your Visa® Access Card
• Use your Personal Line Access Checks
• Use an ATM
• Log in to online banking
• Log in to the U.S. Bank Mobile App
• Call 1-800-USBANKS (1-800-872-2657)
• Visit a branch

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

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.

To make a payment using 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. 

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.

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?

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. 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.  

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.

Getting a payoff for a loan or line of credit is easier than ever. You can log into the U.S. Bank Mobile App for a same day payoff quote or log into online banking to generate a quote up to 30 days in advance. 

How to get a payoff using online banking

1. Choose the account you'd like the payoff for.
2. Select Request a payoff quote from the Shortcuts on the right.
3. Enter a date within the next 30 days and choose Request payoff quote. 
4. Your payoff quote will display. Select Recalculate to enter a new date or Download a PDF to save the quote. 

How to get a payoff using the U.S. Bank Mobile App  

1. From the dashboard, select the blue microphone icon at the top of the page.
2. Say or type "I need a payoff quote".
3. Choose the account you'd like the payoff quote for.
4. Follow the instructions provided to complete the payoff quote.
   • It'll be available to view, print, save, or generate a PDF copy.

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: 800-USBANKS (872-2657). 

To visit with a branch banker, consider scheduling an appointment to allow time for questions and processing. We can meet by phone, virtually, or in person. See also: How can I schedule an appointment at a U.S. Bank branch?

We know life gets busy and reminders about transactions can be helpful. Here's how to make changes to your account alerts.

How to add or remove account alerts in Online banking

1. From Customer service at the top of the page, choose My alerts.
2. Select Account activity from the "Notifications" menu on the left. 
3. 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.
4. Select the chevron (>) to the left of the alert name to expand the details.
5. Use the toggle buttons to turn the alert on or off on.
6. 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 in 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.

View our Add an account alert demo in our Digital Explorer.

Setting up electronic statements is easier than ever. Please note the following information:

• You'll need to have an email address on file.
• Allow one full statement period for the change to take effect.
• Not all accounts are eligible to go paperless*. 

Online banking steps:

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

1. Select My Accounts at the top of the page, choose My documents, then select Paperless preferences. 
2. Mark the checkbox next to a specific account; or mark the check box to go paperless for all eligible accounts.
3. Review the information and notification preferences, then select Save. 

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

1. Open the main menu, choose Statements & docs, then select Paperless preferences. 
2. Mark the checkbox next to a specific account; or mark the check box to go paperless for all eligible accounts.
3. Review the information and notification preferences, then select Save. 

Additional information

*The following accounts are eligible for paperless statements.

Enrolling in paperless documents
How to view your paperless documents in the U.S. Bank Mobile App (Tutorial)

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.