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U.S. Bank COVID-19 (CORONAVIRUS) INFORMATION
Get help adjusting to the COVID-19 pandemic.
If you’ve been financially affected, you’re not alone. We have solutions that could help you during this difficult time.
We’re temporarily changing our branch operations.
To help protect the health of our customers and employees, we have temporarily reduced operating hours at all branches. As of March 19, we decreased lobby services in many areas and are encouraging our customers to use our drive-up instead. If you have questions about local branch hours, please check your branch location page.
A letter from our Chairman, President and CEO, Andy Cecere
“We are all adjusting to a new reality that seems anything but normal. Our entire team has rallied around each other, our customers and our communities, and it is a tremendous honor to work with them as we fight this pandemic. We stand together, and we are focused on keeping people healthy and safe – personally, professionally and financially.”
CARES Act financial support
Through the Coronavirus Aid, Relief and Economic Security (CARES) Act, the U.S. government has created multiple programs to help individuals and small businesses through this challenging time.
Coronavirus stimulus checks
Many Americans have received their Economic Impact Payment (EIP) by direct deposit. If you haven’t received yours and are eligible, you’ll likely receive a check by mail within the next few months.
Mortgage assistance
If the COVID-19 pandemic has affected your ability to pay your mortgage, we may be able to help. We’re offering assistance programs that may allow you to suspend payments for up to 180 days with no late fees.
IRAs and retirement accounts
Those affected by the COVID-19 pandemic can withdraw up to $100,000 without penalty from IRAs and other retirement accounts. Also, the rules for contributions and distributions for 2020 have changed. Please consult your tax advisor.1
SBA Paycheck Protection Program (PPP)2
Congress has authorized additional funding to the Paycheck Protection Program. At this time, we are reopening our online application and will continue to move applications through the process.
Main Street Lending Program (MSLP)3
The MSLP provides credit to small- and medium-sized businesses that have been affected by the COVID-19 pandemic. Eligible companies can use an MSLP federal loan to cover general business expenses, including payroll and operations.
Find the solutions you need.
Between supporting the CARES Act and offering new products and services, we’re working hard to find ways to assist our communities and customers.3
Coronavirus stimulus checks
Many Americans have received their Economic Impact Payment (EIP) by direct deposit. If you haven’t received yours and are eligible, you’ll likely receive a check by mail within the next few months.
Mortgage assistance
If the COVID-19 pandemic has affected your ability to pay your mortgage, we may be able to help. We’re offering assistance programs that may allow you to suspend payments for up to 180 days with no late fees.
U.S. Bank ReliaCard®4
Get answers to your questions about receiving unemployment benefits on a U.S. Bank ReliaCard.
U.S. Bank Focus Card4
You may be able to deposit your stimulus check, unemployment benefits or a paycheck from a second employer to your U.S. Bank Focus Card. Log in to your account for details.
Auto, boat & RV assistance
Has the COVID-19 pandemic affected your ability to pay or manage your loan or lease? We may be able to help. We’re offering deferred payments, extensions and alternative options.
U.S. Bank Simple Loan5
We’ve temporarily reduced pricing on new U.S. Bank Simple Loans. Instead of $12 for auto pay and $15 for manual pay, you’ll pay $6 for both auto pay and manual pay per $100 borrowed. Borrow between $100 and $1,000 with no hidden fees.
U.S. Bank Personal Loan6
We've temporarily reduced the APR on new U.S. Bank Personal Loans to 2.99%. Borrow from $1,000 to $4,999 for terms up to 48 months.
Savings withdrawal limits removed
Reflecting regulatory changes made by the Federal Reserve, we are removing the limit on the number of withdrawals and transfers our customers may make from their U.S. Bank savings and money market accounts. We have also suspended fees related to excessive withdrawals.
U.S. Bank credit cards
If you’ve been financially affected by the coronavirus pandemic, we may be able to help.
Helpful COVID-19 pandemic resources
Learn ways to minimize the effect of the COVID-19 pandemic on your long-term finances. Get help understanding your options during a medical hardship, adjusting to the loss of your job, avoiding predatory scammers and more.
SBA Paycheck Protection Program (PPP)2
Congress has authorized additional funding to the Paycheck Protection Program. At this time, we are reopening our online application and will continue to move applications through the process.
Main Street Lending Program (MSLP)3
The MSLP provides credit to small- and medium-sized businesses that have been affected by the COVID-19 pandemic. Eligible companies can use an MSLP federal loan to cover general business expenses, including payroll and operations.
Quick Loan
We’ve temporarily reduced rates on new U.S. Bank Quick Loans. Your business may qualify for a reduced rate on loans from $5,000 to $250,0000.
Cash Flow Manager
We’ve temporarily reduced rates on new secured and unsecured on-demand lines of credit from $10,000 to $250,000. Your business may qualify for a reduced rate.
E-commerce support
Save money on accepting online payments with our Converge and talech solutions. We're waiving monthly software fees and set-up costs now through September 2020.
Savings withdrawal limits removed
Reflecting regulatory changes made by the Federal Reserve, we've removed the limit on the number of withdrawals and transfers our customers may make from their U.S. Bank savings and money market accounts. We have also suspended fees related to excessive withdrawals.
U.S. Bank business credit cards
If your business has been financially affected by the coronavirus pandemic, we may be able to help.
Navigating the COVID-19 pandemic
Many small business owners are wondering how to survive the long-term consequences of the COVID-19 pandemic. We have resources to help you understand ways to protect your business and your employees. From SBA programs to weekly market updates, let us help you through this crisis.
Information center
These are challenging days. Our COVID-19 pandemic information center provides the updates, insights and resources needed to navigate the changing environment.
Main Street Lending Program (MSLP)3
The MSLP provides credit to small- and medium-sized businesses that have been affected by the COVID-19 pandemic. Eligible companies can use an MSLP federal loan to cover general business expenses, including payroll and operations.
During this time of uncertainty and market volatility, we want our clients and investors to know we're here to support them. For information and the latest market news from U.S. Bank, please visit usbank.com/marketnews. If you have additional questions or need help, contact our U.S. Bancorp Investments Advisory Center at 800-871-6250.
Manage your accounts.
- Use the U.S. Bank Mobile App to deposit checks,9 pay bills, transfer or send money and more.
- Bank online to pay bills and transfer or send money.
- Visit the branch location page for updates on branch operations.
- Consider going paperless. Sign up for e-statements to securely view your documents online or in the mobile app.
Learn how to spot a scammer.
People may try to take advantage of your fears of the COVID-19 pandemic by:
- Offering fake products and medical advice
- Creating fake charities
- Compelling you to click a fraudulent link to gain access to your device
Here’s what you need to know to protect yourself from scammers.
Get immediate assistance.
We are actively looking for ways to help customers who have been financially impacted by COVID-19. Below you’ll find a few products that may be of help. If you need additional support, please call us at 888-287-7817.
Personal banking
Our U.S. Bank Visa Platinum Card has a 0% intro APR2 on purchases and balance transfers for 20 billing cycles, and thereafter a variable rate, currently 13.99% to 23.99%.
Beginning Friday, March 13, 2020 we temporarily reduced pricing on our:
- Simple Loan:3 Pay $6 per $100 borrowed, down from $12 (auto pay) / $15 (manual pay) per $100 borrowed. Customers can borrow between $100 and $1,000 with no hidden fees and repay the loan in three equal monthly payments. This product is available in online banking and our mobile app.
- Personal Loan:4 You may borrow from $1,000 to $4,999 for terms up to 48 months with a reduced APR of 2.99%. This product is available in online banking, our call centers and our branches.
Small business owners5
Our U.S. Bank Visa Business Platinum Card has a 0% introductory APR6 on purchases and balance transfers for 20 billing cycles, and thereafter a variable rate, currently 9.99% to 17.99%.
Beginning Friday, March 13, 2020 we temporarily reduced pricing on our Quick Loan and Cash Flow Manager. Both are available via online banking, mobile app, call centers and branches.
- Quick Loan (general business purpose): $5,000 to $250,000 with terms from 12 to 84 months at an interest rate 2% lower than the standard rate for which the business would qualify.
- Cash Flow Manager (secured & unsecured): An on-demand line of credit of $10,000 to $250,000 at an interest rate 1% lower than the standard rate for which the business would qualify.
The U.S. Small Business Administration (SBA) is offering low-interest federal disaster loans for businesses impacted by COVID-19. SBA disaster assistance loans are processed directly by the SBA Office of Disaster Assistance.
Wealth Management and investor support
During this time of uncertainty and market volatility, we want our clients and other investors to know we are here to support them. For information and the latest market news from U.S. Bank, please visit usbank.com/marketnews. If you have additional questions or need help, contact our U.S. Bancorp Investments Advisory Center at 800-871-6250.
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U.S. Bank and their representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
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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.
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Credit products offered by U.S. Bank National Association are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.
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Prepaid Cards are issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Member FDIC.
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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.
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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.
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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.
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Must have a bank account in the U.S. to use Zelle. Terms and conditions apply.
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Mobile check deposit – Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.
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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