What is an overdraft line of credit?

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 line of credit to cover short-term cash needs.

So, 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 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 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 checking account customer to apply.



If you’re already a U.S. Bank checking account customer, you can start your loan application online, at a branch, or by calling 800-491-3150.



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