Manage ups and downs your way
When you combine your U.S. Bank checking account with a Reserve Line of Credit you’ll gain protection from overdrafts and pay no annual fees,1 only paying finance charges on the amount you borrow at 21.9% Annual Percentage Rate (APR). You can even use your personal line of credit to cover short-term cash needs.
Not a U.S. Bank customer? Explore our checking account options.
The benefits of a Reserve Line of Credit
- Protection for your U.S. Bank Checking account from accidental overdrafts2
- No annual fee1
- Convenient automatic advances into your checking account when your balance falls below zero3
- Ability to manually advance funds directly into your checking account for a no fee via online banking, U.S. Bank ATMs, a U.S. Bank teller or 24-Hour Banking
Our online application is convenient and secure.
You must be a U.S. Bank customer to apply.
If you’re already a U.S. Bank customer, you can start your loan application online, at a branch, or by calling 800.491.3150.
We use the strongest available encryption to protect any information you send.