Use your reserve line of credit to guard your checking account from accidental overdrafts or to cover any short-term cash needs.3
Learn more about overdraft protection and applicable fees.
If you have an unexpected shortage of funds, your overdraft line of credit covers transactions that exceed the balance in your checking account.2
How to apply for a reserve line of credit
Our application process is fast and easy.
If you’re already a U.S. Bank checking account customer, you can start your application in the mobile app, through online banking, by visiting a branch or by calling 800-491-3150.
Once you submit your application, we’ll gather your credit information.
Typically, we notify you with your loan approval status in less than a minute.
If your line of credit is approved, funds are available within one business day of closing.