U.S. Bank Protect 360 protects your identity in three key ways

Credit monitoring

Receive real-time alerts about critical changes to your credit and get access to your TransUnion credit report.

Identity protection

Protect 360 scans sites where stolen personal data is shared and alerts you if your information is found.

Data privacy

Keep your personal information private. Protect 360 helps you identify where your personal information appears and learn how to remove it.

Choose the level of protection that works for you.

Essentials

Free with your U.S. Bank account

Included in Essentials

  • Weekly credit score (TransUnion)
  • Full credit report (TransUnion)
  • Credit alerts (TransUnion)
  • Credit score factors
  • Credit score forecast
  • Freeze your credit
  • Dark web monitoring
  • Data broker scans & guided removal of personal information
  • Debt analysis

Best for: Monitoring and improving your credit

Premium

$9.99/month (plus tax) with your U.S. Bank account

Everything in Essentials, plus advanced identity protection

  • Credit alerts (TransUnion, Experian & Equifax)
  • Address change alerts
  • High spending alerts
  • Home title monitoring
  • Scam call alerts
  • Social media monitoring
  • Social Security number alerts
  • Automatic removal from data broker sites
  • Identity theft recovery & reimbursement up to $1M*

Best for: Comprehensive identity theft and fraud protection

* View Protect 360 Terms of Use (PDF)

Closeup view of human hands using a smartphone with overlays of digital security icons, including a padlock, fingerprint and email

Get started in a few easy steps

Activate Protect 360 Essentials for free using your U.S. Bank account to take advantage of over a dozen ways we’re helping you keep an eye on your information.

  1. Log in through the U.S. Bank Mobile App or online banking.
  2. Accept the Terms of Use.
  3. Explore your Protect 360 summary.

Don’t have an account? Learn more about U.S. Bank Smartly® Checking.

Stay informed. Stay protected.

Essentials – free with your U.S. Bank account

Continuous monitoring with real-time alerts helps you catch issues early, act fast, and stay ahead of identity and credit risks.

Spot changes to your credit

  • Weekly credit score tracking. Always know where you stand.
  • Full TransUnion credit report. Spot unfamiliar activity sooner.
  • Real-time credit alerts. Be notified about new accounts, inquiries and key changes.

Understand your financial picture

  • Debt analysis. Understand your balances and how debt can impact your finances.
  • Credit score factors. See what’s influencing your score.
  • Credit score forecast. Preview how your financial decisions could impact your score.

Protect your personal information and data

  • Data broker scans. See where your personal information appears and get guidance from us on removal.
  • Dark web monitoring. Get alerts if your information is found on sites where personal information is shared.

Premium – $9.99/month (plus tax) with your U.S. Bank account

Upgrade for more insights, more alerts and expert support – so you can spot risks sooner, respond faster and help protect your identity.

Added alerts. More awareness.

  • Credit alerts. Get credit alerts across all three major credit bureaus.
  • Social Security number alerts. Get alerted before your number is used.
  • Address and spending alerts. Learn about unexpected address changes or if your spending exceeds set limits.

Less exposure. Fewer worries.

  • Automatic removal of info from data brokers. Get exposed personal information removed automatically.
  • Social media and scam call monitoring. Be notified about compromised accounts and unusual calls.
  • Home title monitoring. Learn about unexpected changes.

Help when it matters most.

Identity theft recovery & reimbursement. Get expert support and up to $1 million in eligible coverage if identity theft occurs. View Protect 360 Terms of Use (PDF)

Common questions about identity theft protection

Find more ways to keep your personal information safe

Start of disclosure content
Disclosures

Free credit score access, alerts and credit score forecast through U.S. Bank Protect 360 are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S. Bank to make credit decisions.

Deposit products are offered by U.S. Bank National Association. Member FDIC.