Bank on the go.

Add money to your account and make banking easy, 24/7, with the U.S. Bank Mobile App.

Get the U.S. Bank Mobile App

Activate your debit card.

The U.S. Bank Visa® Debit Card is a simple way to buy what you need. Let's set yours up.

Activate your debit card

Set up direct deposit.

Want a safer, easier way to deposit your paycheck, plus faster access to your money?

Learn about direct deposit

Understand fees.

Learn more about fees that may apply to your U.S. Bank Smartly® Checking account.

Get fee information

Woman managing account on tablet computer.

More ways to maximize your account

Find your bank routing number.

Your routing number is printed in the bottom-left corner of your checks, but you can find it in other ways, too.

Find your routing number

Order checks and more.

Running low on supplies? Log in to your online banking account to order checks, deposit slips and withdrawal slips.

See how to order checks

See when deposits are available.

For check deposits made at a branch, ATM or through mobile check deposit, your first $275 is generally available immediately. All cash deposits are available immediately.

Learn about mobile check deposits

Learn about branch and ATM deposits

Protect against overdrafts.

With overdraft protection1, you can avoid the hassle of an unexpected shortage of funds. Plus, with Overdraft Fee Forgiven2, you may qualify for a fee waiver.

Learn about overdraft protection

Learn about Overdraft Fee Forgiven

View your transaction limits.

Transaction limits are specific to your account type. To view your limits, log in to your online banking or mobile app account.

See how to find your account limits

Track your spending.

Track spending across your accounts weekly, monthly and up to one year, so you can understand key trends over time.

See how our spending tracker works

Frequently asked questions

Whether you bank in the mobile app or online, you can opt in to receive up-to-the-minute notifications of account activity, to help you stay informed and secure.

Learn about setting up account alerts

U.S. Bank offers special benefits to youth and young adults. Youth must apply for an account jointly with an adult. Young adults may apply individually or jointly.

Learn about youth accounts (age 13 to 17) Learn about young adult accounts (age 18 to 24)

Once you've ordered checks you'll receive an email confirmation from our check vendor, Deluxe. They'll send an additional email once your checks have been mailed. You should receive your new checks in the mail within 5 to 13 business days from the date you order.

You'll receive your debit card within 7 to 10 business days after your account is funded. An initial deposit needs to be made before your card and PIN are mailed. After you've funded your account, your card will be sent in a white, unbranded envelope for your protection.

Sample of card mailer

Sample of PIN mailer

An account number or debit card information is required to enroll in the mobile app or online banking. For us to mail your debit card and PIN information, you must first make an initial deposit to your new account. Once that is complete, your card and PIN will be mailed and arrive within 7 to 10 business days. Use your new card and PIN to enroll in the mobile app or online banking. You will be able to view your new account number once logged in.

You can add or update a beneficiary on your U.S. Bank checking, savings and CD accounts. For details, see How do I add, change or remove a beneficiary?

Contact customer service.

Browse top customer service questions - and if you still can't find what you're looking for, we're always just a phone call away.

See customer service Q&A
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Disclosures

  1. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement (PDF) section titled Overdraft Protection Plans for additional information.

  2. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.

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