-
Mobile check deposit – Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
Return to content, Footnote 1 -
To be eligible to apply for a U.S. Bank Simple Loan, applicants must have an open U.S. Bank checking account with recurring direct deposits. Other eligibility criteria may apply. Eligibility is non-transferable. Loan approval is subject to eligibility and credit approval.
Loan payment example: If you borrow $400 and select automatic payments, your fee will be $24. You’ll pay back a total of $424 in three monthly payments of approximately $141.33 each. Your total cost to borrow (annual percentage rate) will be 35.64%.
A lower finance charge may apply for active duty service members and dependents. Some additional restrictions may apply. Simple Loan is a high-cost-loan and more affordable options may be available. See usbank.com for options.
Installment loans are offered through U.S. Bank National Association.
Deposit products offered by U.S. Bank National Association. Member FDIC.
Return to content, Footnote 2 -
As of March 13, 2020, the fixed Annual Percentage Rate (APR) for loan amounts under $5,000 is 2.99%. Minimum loan amount is $1,000 and loan terms range from 12 to 48 months, with no additional discount for automatic payments from a U.S. Bank personal checking or savings account. The Consumer Pricing Information brochure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This brochure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657.
Loan payment example: on a $4,999 loan for 48 months, monthly payments would be $110.63 and APR of 2.99%. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.
Return to content, Footnote 3 -
The 0% introductory APR applies to purchases and is valid for the first 20 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 20 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of March 16, 2020, the undiscounted variable APR for Purchases and Balance Transfers is 13.99% to 23.99% based on your creditworthiness. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
Return to content, Footnote 4 -
Credit products offered by U.S. Bank National Association are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.
Return to content, Footnote 5 -
Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. Certain restrictions apply to refinancing options and are subject to program terms. Refinances of existing SBA loans are excluded.
Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank and its representatives do not provide tax advice. Consult an advisor regarding a particular financial situation. Credit products are offered by U.S. Bank National Association.
Return to content, Footnote 6 -
To send money to an eligible business, a consumer must be enrolled with Zelle through their bank’s mobile app or enrolled in the Zelle app with a deposit account. Eligible businesses are not able to enroll in the Zelle app with a debit card and cannot receive payments from consumers enrolled in the Zelle app using a debit card. Terms and conditions apply. Please refer to the Digital Services Agreement for more information.
Return to content, Footnote 7 -
Must have a bank account in the U.S. to use Zelle. Terms and conditions apply.
Return to content, Footnote 8 -
The 0% introductory APR applies to purchases and balance transfers (made within 30 days of account opening) and is valid for the first 20 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of March 16, 2020, the undiscounted variable APR for purchases and balance transfers is 9.99% to 17.99% (based on your creditworthiness). The variable APR for cash advances is 23.99%. The Penalty APR is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. There is a balance transfer fee of 3% of each transfer amount ($5 minimum). There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply your payments to balances with lower APRs first. U.S. Bank may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
Return to content, Footnote 9
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Loans and lines of credit are offered through U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.
Equal Housing Lender
year U.S. Bank