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Online Banking, Bill Pay and Online Security FAQs

Get answers to your most frequently asked questions regarding U.S. Bank Online Banking, Online Bill Pay and Internet security. You can also take a virtual tour and learn how easy it is to pay your bills and bank online.

Online Banking Questions

  • Online Banking is a free service that allows customers to access account information and complete various financial transactions. You can log in to Online Banking 24 hours a day, 7 days a week, from any computer with Internet capabilities.

    Enroll today or view our Online Banking Tour for more details on the services available.

  • To enroll for Online Banking you need to complete a one time enrollment process. You will need a U.S. Bank card or account number and PIN (Personal Identification Number) along with your Social Security Number.

    If you need an automated Personal Identification Number (PIN), please contact 24-Hour Banking at 800-US BANKS (800-872-2657).

    If you do not have a PIN and are enrolling in Online Banking to view your business accounts you will need a Check Card PIN. You can apply for a check card at the branch and start banking online as soon as you receive your ATM or Check card PIN.

    Next, you will need to select a unique Personal ID and Password. Instructions to do this are provided on the enrollment pages. Once these steps are completed, you can begin using Online Banking immediately.

    Enroll today or view our Online Banking Tour for more details on the services available.

  • You can change your Password anytime within the "Your Profile" section of Online Banking. The "Your Profile" link is located at the top of every Online Banking page.
  • If you forget your Personal ID, Password, or ID Shield answers, use the Login Assistance tool available in the Log In section on usbank.com.
  • When you log in to Online Banking you can view information or complete various transactions, including:

    • View account balance, check images and transaction information.
    • Pay bills online to anyone, anywhere in the United States.
    • Move funds easily between your U.S. Bank accounts.
    • Enjoy the convenience of FREE Online Statements
    • Receive Account and Security alerts by email or mobile phone.
    • Apply for U.S. Bank products and services.
    • Manage your personal information and accounts.
  • Online Banking offers you the most current balance and transaction information available. Most account information will show immediately as transactions are processed throughout the day.
  • All Online Banking customers can set up Account Alerts for their checking, savings, line of credit or credit cards.

    To set up Account Alerts log in to Online Banking, choose the Alerts link on the left side of the page, and select the Account Alerts that will best help you manage your accounts. Not an Online Banking customer yet? Enroll now.

    These alerts will notify customers, via email or text message, of important account activity, such as:

    • Low or negative checking account balances
    • Deposits or withdrawals
    • Online statement availability
    • Payments are posted or due
  • No. Transfers can only be performed between U.S. Bank accounts. However, by utilizing Bill Pay you can make payments to anyone, anywhere in the United States from your U.S. Bank Checking account. Not enrolled in Bill Pay yet? Enroll today.

Online Bill Pay Questions

  • Bill Pay is a free online bill pay service which allows you to make payments to anyone, anywhere in the United States from your U.S. Bank Checking account. Using Bill Pay not only saves you time, by not having to write those checks and making trips to the mailbox it also saves you money in the cost of stamps and the money you could save in late fees.

    View the Bill Pay Tour to learn more.

  • Log in to Online Banking, select the Bill Pay link on the left. You'll first need to enter information about the Billers you want to pay. Our easy, step-by step instructions will walk you through the set-up process. Not enrolled in Online Banking yet? Enroll today or view our Online Banking Tour for more details on the services available.
  • Yes. U.S. Bank offers a variety of email reminders, called Account Alerts, for any of the billers you have created within Bill Pay.

    An email alert can be sent when:

    • Payment is due
    • Payment is pending
    • Payment has been sent
    • Reminder before the last automatic payment is sent
    • Ebill is received (ebill subscription required)
    • Payment not sent by the due date (ebill subscription required)
  • To set up Biller specific alerts in Bill Pay, log in to Online Banking, choose the Bill Pay link on the left side of the page, and select the "Manage Your Bills" link. Once there select the desired biller from the drop down menu and select "Set up reminders for this Bill" to begin creating an alert.
  • Make sure to update any changes to a billers account number or address in the "Manage Your Bills" section of Bill Pay.
  • If your first available payment date is:

    • Two days or less - the payment will be sent electronically
    • Four days - the payment will be sent via paper
  • No. Once payments are setup the biller will receive a payment just like they would from you. As a follow-up ensure that the correct account number and a current address are used.
  • No. There is no limit to the number of bills that can be paid with Bill Pay.
  • Payments are sent one of 2 ways for all the billers.

    • Most scheduled payments are sent electronically and funds are withdrawn from the customer's accounts on the payment date.
    • A fraction of payments are sent as paper checks. Funds for these checks are withdrawn from the customer's accounts based on when the biller processes the payment.
  • We recommend scheduling payments 4 days before the due date to allow enough time for the biller to process and post the payment to your account.
  • Yes. Payments are guaranteed to be accurate and delivered by the Payment Date you select as long as your accounts are sufficiently funded, all payment information is entered correctly and the payment is scheduled to arrive by its due date.
  • eBills are electronic versions of your paper bills. It is a free service to all our Bill Pay customers. With eBills you can view details online, access past statements and make online payments. And, so you never miss a payment, you can even choose to receive an email reminder when your bill arrives.

    eBills are only available from select companies. Look for payees that offer electronic billing when adding your payees in Bill Pay. Start receiving your bills electronically today from your cellular provider, utility company or your credit card company. View a list of available ebillers.

  • Getting setup to receive eBills is easy. To get started, select the "Try Ebill" icon next to the biller name in the payment center (this icon is only displayed next to biller names where eBills are offered). Enter the required information — that's it! Your ebill will be delivered securely to your bill pay account within your next billing cycle.
  • If you have a question about a payment you made or you believe an error has occurred log in to Online Banking, select the Bill History link on the left, find the payment in question and select the View Detail link. Or, call our 24-Hour Banking number at 800-US BANKS (872-2657), seven days a week.

Online Banking Security

  • Yes. We use advanced encryption technology to ensure your information stays safe and secure. And only you have access to your accounts with your Personal ID and Password. We strongly suggest you do not share your Personal ID, Password, PIN or account number with anyone. And please know that U.S. Bank will never request this type of information via email.

    Our Online Risk-Free Guarantee also protects customers from fraud loss. Online Banking is so secure that we guarantee we'll cover any losses if there's ever any unauthorized use of your account.

    And, be assured U.S. Bank always:

    • uses the maximum levels of online security and monitoring technology to ensure your safety.
    • implements strict policies and procedures to safeguard your personal information to keep it confidential.

    View additional online security information to help you recognize and prevent fraud and report identity theft.

  • Security Alerts are emails automatically sent to your primary email address when certain events occur, such as changes to your mailing address or Personal ID. They do not reference a specific customer's name or account number. Being alerted promptly about these types of changes can help you detect and stop potential fraud.
  • To automatically receive Security Alerts when certain events occur, such as changes to your mailing address or Personal ID, Please do one of the following:

    • provide or update your primary email address within Online Banking by selecting the "Your Profile" link
    • call 800-US BANKS
    • visit a U.S. Bank branch
  • Phishing emails will tell you that you must use a link provided to verify or change your account in some way. U.S. Bank will never send an email asking you to do this, or for personal or account information.
  • Some ways to increase your security are:

    • Make your Password alpha-numeric, change it periodically and keep it confidential.
    • Install anti-virus and firewall software on your computer.
    • Never share any personal information, especially social security numbers, account numbers, or log in and Password information via email.

    Contact the U.S. Bank Fraud Liaison Center at 877-595-6256 if you suspect fraud has occurred on your account. Visit the Online Security section of usbank.com for additional security information.

Get Started Today

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