PERSONAL MONEY MANAGEMENT

Tracking your expenses gives you a clear picture of where your money is going and keeps you aware of your spending habits. With this knowledge, you can create realistic budgets and spending plans that can help you work towards savings goals and debt management. You can see trends in your expenses and make adjustments when your spending habits change.

Money tracker in the U.S. Bank Mobile App and online banking lets you view up to 18 months of spending history to help you track your expenses and spending habits across all your linked accounts.

Money management helps you see how and where you spend your money, so you can reach your financial goals. Whether you want to buy a new car, become a first-time homeowner or save for early retirement – managing your money now can help ensure you stay on track with your goals.

Managing your money better starts with awareness and learning how to track your finances. Here are a few tips that can help you improve your finances:

• Track your monthly expenses. Spend money on the things that are important to you, reduce spending where you can, and put money into your savings account. The money tracker feature on the U.S. Bank Mobile App and online banking makes it easy to keep an eye on your spending.
• Make a budget. Look at your expenses and compare to your income. Are your expenses equal to or more than your income? If more, look at your spending to see where you can make adjustments that let you put money aside each month.   
• Set achievable goals. Whether it’s an emergency fund, a future purchase or retirement savings, financial goals can help you manage your money each month.
• Get expert advice. Speak with one of our experienced and dedicated bankers to help you tackle any challenges you need help overcoming.

Linking your accounts from other banks and lenders to U.S. Bank mobile or online banking allows you to view all your money together. With streamlined access to all your accounts, it’s easier to manage your finances in one place with enhanced security features.

You can connect accounts like:

• Checking and savings
• Credit cards
• Investment accounts
• Lines of credit
• Student loans
• Mortgage
• Auto loans

Go to your Accounts dashboard in mobile or online banking and choose Link external accounts to get started.

You can customize your account notifications to provide you with automatic alerts for spending activity on your checking, savings and credit card accounts.

Some checking/savings account notifications include:

• Negative balances
• Balances that fall below a dollar amount you choose
• Deposits or withdrawals that exceed a specified dollar amount
• Overdrafts and overdraft protection transfers (checking only)

Credit card account notifications include:

• Balances and transactions that exceed a dollar amount you choose
• Available credit that falls below a specified dollar amount
• Payments and credits posted to your account

Budgets are useful for creating a spending and savings plan. Here are some ways you can get the most out of our budget tracker tool:

• Regularly update your income and expenses. Make sure your information is current so you can accurately adjust your budget and goals.
• Categorize and analyze your spending patterns. Look at how and where you spend your money to find areas where you can save. The money tracker feature on the U.S. Bank Mobile App and online banking makes it easy to maximize your money’s potential by delivering snapshots of your spending habits.
• Set realistic budgets and monitor your progress. It's important to review your goals regularly to adjust expectations, chart your progress and review your priorities.

Knowledge of your spending habits can help you reach your financial goals faster. By tracking your expenses, you can learn how to spend less money and optimize your savings. When you learn how and where you spend money, you can make small adjustments to your habits that can make a positive impact on your finances. The money tracker feature on the U.S. Bank Mobile App and online banking shows your spending trends and make it easy to keep an eye on your spending.

U.S. Bank uses the industry’s strongest security measures to protect your money and your data. We believe you should have control over your financial data and we'll only share information if you approve, in accordance with our Privacy Pledge.

Our Digital Security Guarantee protects you from unauthorized use of your accounts in the U.S. Bank Mobile App and online banking. Provided you let us know right away, you are not liable for unauthorized transactions that are initiated online at usbank.com or through the mobile app.

• Coverage includes transfers from your consumer accounts that you did not initiate or approve.
• Types of unauthorized transactions covered include, but are not limited to, account-to-account transfers, bill payments, and money sent with Zelle^®.