Overdraft protection
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
Not a U.S. Bank checking customer? Explore our checking account options.
Our application process is fast and easy.
If you’re already a U.S. Bank checking account customer, you can start your application:
When you’re ready to apply, you’ll need:
Once you submit your application, we’ll gather your credit information. Typically, we notify you with your reserve line of credit approval status in less than a minute.