Manage ups and downs your way

When you combine your U.S. Bank checking account with a Reserve Line of Credit you’ll gain protection from overdrafts and pay no annual fees,1 only paying finance charges on the amount you borrow at 21.9% Annual Percentage Rate (APR). You can even use your personal line of credit to cover short-term cash needs.

Not a U.S. Bank customer? Explore our checking account options.

The benefits of a Reserve Line of Credit

  • Protection for your U.S. Bank Checking account from accidental overdrafts2
  • No annual fee1
  • Convenient automatic advances into your checking account when your balance falls below zero3
  • Ability to manually advance funds directly into your checking account for a no fee via online banking, U.S. Bank ATMs, a U.S. Bank teller or 24-Hour Banking

Our online application is convenient and secure.

You must be a U.S. Bank customer to apply.



If you’re already a U.S. Bank customer, you can start your loan application online, at a branch, or by calling 800.491.3150.



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