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Premier Line of Credit

Premier Line of Credit

U.S. Bank Checking account customers can enjoy instant access to available funds on an ongoing basis with the U.S. Bank Premier Line of Credit.1 You'll have that money available to you, whenever you need it, at a competitive interest rate.

With the Premier Line of Credit, our version of an unsecured line of credit, you'll enjoy:

  • Credit limits up to $25,0002
  • Competitive Annual Percentage Rates, currently 11.50%
  • No annual fees
  • Convenient, ongoing access to your funds via
    • Premier Line Access Checks
    • Visa® Access Card
    • U.S. Bank branch tellers
    • 24-Hour Banking
    • U.S. Bank ATMs
  • No fees for domestic purchases with Premier Line Access Checks or Premier Line Visa Access Card. No fees for funds advanced by phone, U.S. Bank branch teller, Internet or Premier Line Access Checks
  • Same low Annual Percentage Rate for advances, balance transfers and purchases

11.50% Annual Percentage Rate (APR) is available on unsecured Line of Credit. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of December 15, 2017, the variable rate for Premier Line was 11.50% APR. Cash Advance ATM fee: 4% of each advance amount, $15 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.


View Rates & Pricing Info

A U.S. Bank Premier Line of Credit is a revolving, open-end line of unsecured credit that gives you instant access to funds on an ongoing basis with fewer fees. To apply, you must be a current U.S. Bank customer. It's perfect for:

  • Home improvements
  • School tuition and expenses
  • Managing your personal cash flow
  • Paying off high interest rate credit cards
  • Unexpected expenses

Standard Benefits

  • No collateral required
  • Instant access to funds at account opening when booked in a branch or online. Access to funds in 5 business days for accounts booked over the phone
  • Instant, anytime availability once access to funds is granted

To qualify for a Premier Line you must be an established U.S. Bank customer with a checking account. If you are a recent customer (less than 120 days) or wish to become a U.S. Bank customer, please visit one of our branches. You will need the following information for your Premier Line of Credit application:

  • Social Security Number
  • Proof of your current rent or mortgage payment
  • Details of your current employment
  • Proof of your annual income
Three Ways to Get Started


By Phone


In Person

  1. Instant access to funds with a U.S. Bank Premier Line of Credit requires a U.S. Bank Checking account.

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  2. Subject to credit approval, eligibility and credit qualifications. Approval for Premier Line of Credit requires having a new or existing U.S. Bank Checking account. Your Deposit Account Agreement and the Consumer Pricing Information brochure list terms, conditions, and fees that apply to U.S. Bank Consumer Checking Packages and accounts. You may obtain a copy of the brochure by visiting a branch or calling 800.872.2657.

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Loans and lines of credit are offered through U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

Equal Housing Lender Equal Housing Lender

Three Ways to Get Started

By Phone
In Person

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