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Reserve Line of Credit

Reserve Line of Credit

Get more from your checking account with a U.S. Bank Reserve Line of Credit, a personal line of credit offering overdraft protection.

The Reserve Line of Credit has no annual fees,1 and you only pay finance charges on the amount you borrow. You can also borrow from this personal line of credit to cover short-term cash needs.

The benefits of a personal line of credit include:

  • Protection for your U.S. Bank Checking account from accidental overdrafts
  • No annual fee1
  • Convenient automatic advances into your checking account when the balance falls below zero
  • Low monthly payments
  • Easy access to your line of credit by:
    • Writing a check
    • Using your U.S. Bank Check Card
    • Making a transfer at an ATM, in a branch or online
Three Ways to Get Started

By Phone

800-757-7147

In Person

  1. Subject to credit approval. The APR for advances is 21.9%. There is no annual fee. The U.S. Bank Reserve Line product is the primary source of overdraft products for most customers. You only pay finance charges on the amount you borrow. Customers can advance funds through Internet Banking, at U.S. Bank ATMs, with a U.S. Bank teller or through 24-Hour Banking to cover short-term cash needs with no fee.

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Lines of credit are offered through U.S. Bank National Association. Member FDIC.

Three Ways to Get Started

Online
By Phone
800-757-7147
In Person

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