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Premier Line of Credit

Premier Line of Credit

U.S. Bank customers can enjoy instant access to funds on an ongoing basis with the U.S. Bank Premier Line of Credit.1 You'll have the money you need, 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:

  • Generous credit limits
  • Competitive Annual Percentage Rates, currently as low as 11.00%
  • No annual fees
  • Convenient, ongoing access to your funds via
    • Premier Line Access Checks
    • Visa® Access Card
    • Branch tellers
    • 24-Hour Banking
  • No fees for funds advanced by phone, branch teller, Internet or U.S. Bank Premier Line Access Checks
  • Same low Annual Percentage Rate for advances, balance transfers and purchases

11.00% 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 March 17, 2017, the variable rate for Premier Line was 11.00% APR based on your creditworthiness. 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
  • Fast access to your funds in as little as 48 hours
  • Free U.S. Bank Internet Banking, Bill Pay, Online Statements and Account Alerts

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.

    Subject to credit approval, eligibility and credit qualifications. Approval for Premier Line of Credit or Premier Loan requires having a new or existing U.S. Bank account Approval for Reserve Line of Credit requires having a new or existing U.S. Bank Consumer Checking account. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts.

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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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