Set up checking and savings.

We appreciate your business and want the application process to be a good experience for you. If you’re already a customer, we can prefill your application with the personal information we have on file.

To apply for a checking or savings account using online banking

  1. Select Products & offers from the top of the page.
  2. Choose Checking.
    1. Select checking once more.
      Optional: If you scroll and select Learn more, you’ll find:
      • Access Smart Rewards – Information on our rewards program.
      • Manage cash easily – Ways to keep track of your money.
      • Move money safely – Digital money transfers, deposits, and payments.
      • Save & spend wisely – Financial insights and goal setting.
      • Rest Easy. We got you covered – Security and zero fraud liability.
      • Debit card designs – View the latest designs available to personalize your card.
    2. When ready, select Open an account. Continue following the prompts on the page to submit your application.
  3. Choose Savings. When ready, select Start saving. Continue following the prompts on the page to submit the application.
    Optional: If you scroll through the page, you’ll find more information about our savings products.

To apply for a checking or savings account using the U.S. Bank Mobile App

  1. Open the main menu and choose Explore accounts & offers. 
  2. Select Checking, Standard savings, or Elite Money Market Account. Then choose Open an account/Start saving. Continue following the prompts on the page to submit the application.
    Optional: Scroll down to view more information about each financial product.

More information

If you don’t have an account with us or want to apply without logging in, follow these steps:

  1. Navigate to usbank.com, select Personal at the top and choose Bank accounts.
  2. Select Bank Smartly Checking Account. Then choose Open an account.
    OR
  3. Select Savings accounts. Then choose Start saving to begin the application process.

Review our Checking Accounts or Savings Accounts pages to find the one that's right for you.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Direct deposit is an easy, worry-free way to have automatic deposits electronically sent to your U.S. Bank checking or savings account. 

To set up direct deposit using online banking

  1. Select the account to have your funds deposited into.
  2. Online banking users: Choose Set up direct deposit.
    U.S. Bank Mobile App users: Select Manage at the top of the screen first, then choose Set up direct deposit.
  3. Select Set up now to continue with your digital setup or you can open a prefilled form linked to the word "here".
  4. If you chose Set up now:
    1. Tell us who pays you. You can use the search feature to find participating employers if yours isn’t listed.
    2. Sign in using the username and password assigned to you by your employer.
    3. Confirm your direct deposit details and select Confirm.
  5.  If you chose the prefilled form link, you’ll have two options:
    • View your prefilled PDF. The prefilled direct deposit form will have your account details, including a check copy with your personal information on it. It can be printed or saved as an electronic file to share with your employer.
    • godirect.gov. If you receive monetary federal benefits, here’s where you’ll find options on how to set up direct deposit.

*The prefilled direct deposit form will have your account details, including a check copy with your personal information on it. 

More information 

  • This option is not available for business accounts.
  • If you're unable to set up direct deposit digitally or obtain a prefilled form, you can download our Direct deposit form to fill out.
  • If you receive Social Security, you'll need to contact 1.800.772.1213. Be prepared with your 12-digit account and routing numbers.
  • Learn more by visiting our Direct Deposit page.

 

We know life gets busy and reminders about transactions can be helpful. Manage your alerts anytime using digital banking. 

How to add or remove account alerts using online banking

  1. Choose the account you'd like to update from your dashboard then select the Account services tab.
  2. From the Alerts & notifications section select Account alerts.
  3. Select Account activity from the "Notifications" menu on the left. 
  4. You can select Quick setup or All settings. Choose the alert that works best for you.
  5. Use the toggle buttons to turn the alert on or off. You can also select the chevron to detail the alert you'd like to turn on or off.
  6. You'll need to repeat these steps for each account. Select a different account from the drop down in the top right corner.

How to add or remove account alerts using the U.S. Bank Mobile App

  1. From the main menu choose Notifications, then select Account activity.
  2. Select the account you'd like to update from the drop down at the top.
  3. Choose the tab that works best for you.
    • Quick setup: recommend alerts based on the account type
    • All settings: all available alerts for the specific account
  4. Select the chevron (>) to the right of the alert name to expand the details.
  5. Use the toggle buttons to turn the alert on or off.
  6. You'll need to repeat these steps for each account. Select a different account from the drop down in the top of the screen.

More information

You can choose a combination of up to three email or mobile destinations. There are a couple things to bear in mind when setting up alerts:

  • Some account alerts require at least one destination be an email address
  • Trust, Agency, Custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U.S. Wealth Management (U.S. Bancorp Investments) needs the same alert destinations for all accounts with paperless statement delivery

The option to set up or manage account alerts is only available on our full site for the following products:

  • U.S. Bancorp Investments accounts
  • Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U. S. Bank Wealth Management

You can change your name on your account by visiting your local U.S. Bank branch or contacting us at 800-USBANKS (872-2657). We accept relay calls. 

You'll need an updated government issued ID or passport and legal name change documents to complete the process. Acceptable legal documentation includes:

  • Social Security card
  • Marriage certificate - A marriage license can't be accepted unless it's a combination license and certificate, or includes the marriage date, witness signatures, or a notary seal.
  • Divorce decree
  • Court document, including a seal, stamp, or signature of authority
  • Naturalization papers

You can learn and connect your U.S. Bank Account using Quicken financial management software page.

Manage checking and savings.

We make viewing the last 18 months' worth of transactions easy and convenient. Right below the account's details you'll find: 

  • Pending and completed transactions, with descriptions and amounts.
    • Select the chevron (>) to open the "Transaction information" for more details.
  • Pending transactions appear first; then completed transactions are shown. 
  • The account balance after deducting transactions.

How to see your transactions details and history in online banking

  1. From the dashboard select the desired account to view your transactions.
  2. Choose View more transactions at the end of the list if you want to see more.

How to see your transactions details and history in the U.S. Bank Mobile App

By default, the mobile app will show the last 6 months of transaction history. Here's how to see up to 18 months of history. 

  1. Choose the desired account to view your transactions.
  2. Above your completed transactions on the right, select the magnifying glass. 
  3. Select Date, then choose Last 18 months.
  4. Next select the back arrow found in the upper left-hand corner, then choose See results.  
  5. Choose View more transactions at the end of the list if you want to see more.

More information

  • Use the Search option (magnifying glass) to enter a date range or search by keyword(s) to narrow down the results. This is helpful when looking for charges from a specific merchant, locating a specific check number, and more.
  • To see transaction history older than 18 months, follow the steps in the article: How do I view electronic statements (eStatements)?

To view your full account and routing numbers using online banking 

  1. Select My Accounts at the top of the page and choose the account you'd like to view. 
  2. Under the Overview section the last four digits of your account number and the full routing number will display.
  3. Select Show to view the full account number.

To view your full account and routing numbers using the U.S. Bank Mobile App 

  1. Choose the account you'd like to view, then select the Manage tab at the top. 
  2. Under Account Details, select Account & routing number.
  3. Your account and routing number will be displayed in a pop-up window. 

Additional information

  • Your routing number is also located on the bottom of your checks. It's the first set of nine numbers, on the left, and starts with a "0", "1", "2", or "3".
  • Routing numbers are determined by where your deposit account was opened, not where you currently reside. Learn more about bank routing numbers by visiting our Routing Numbers page.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Ordering checks or deposit slips using our digital banking services is easy and convenient. Checks are customizable, and we have many designs to choose from, ranging from the professional look to fun and outdoors. Choose the font style, the check design, add a monogram or symbol next to your name, or add an additional signature line.

Ordering checks and deposit slips in online banking

  1. Select your checking account from your Online Banking dashboard. 
  2. Click on Account services from the three options listed above your transactions list, then choose Checks.
  3. Verify the last four digits of the checking account. If they're correct, select Continue.
    • If you have more than one account, use the drop-down menu to change it. 
    • By selecting continue, you'll be redirected to our partner site, managed by Deluxe. 
  4. Select Personal products at the top of the page, then choose either checks or deposit tickets.
  5. Explore the designs available, then select the image of the one you want. It may take a moment for the next page to load. 
  6. Review the Check Imprint information. This is where your name, address, symbol, monogram, etc. can be entered or changed.
    • If everything is correct and the way you like it, skip to the next step.
    • If it's wrong, update what's needed and select Save Changes. 
  7. Select Confirm and Next. A preview of the physical check will display. If everything is right on it, select Confirm and Checkout. 
  8. Your order summary will appear. If anything is incorrect, this is the last chance to make changes. 
  9. Enter your phone number, then select Place Your Order. 

Ordering checks and deposit slips in the U.S. Bank Mobile App

  1. Open the main menu and select Help & services.
  2. Select Order checks from the list. If you don’t see it, choose Show all in the upper right.
  3. Choose the checking account you want checks for, then select Begin order. You'll be redirected to our partner site, managed by Deluxe. 
  4. Select Personal products at the top of the page, then choose either checks or deposit tickets.
  5. Explore the designs available, then select the image of the one you want. It may take a moment for the next screen to load. 
  6. Review the Check Imprint information. This is where your name, address, symbol, monogram, etc. can be entered or changed.
    • If it's correct, skip to the next step.
    • If it's wrong, update what's needed and select Save Changes. 
  7. Select Confirm and Next. A preview of the physical check will display. If it's accurate, select Confirm and Checkout. 
  8. Your order summary will appear. If anything is incorrect, this is the last chance to make changes. 
  9. Enter your phone number, then select Place Your Order. 

More information

We know it can be challenging when you're asked several times to review your information, and we appreciate your patience. We ask for verification multiple times because if any information is wrong, or you missed a customizable detail you wanted, then you have the opportunity to fix it before the order is finalized. Once an order is finalized, no details can be changed. 

Items we recommend reviewing closely:

  • How your information is laid out on the check.
  • That your information on the check is accurate. 
  • The check design or deposit slip selected is the one you want.
  • Verify the shipping address is the right one.
  • That the payment information is correct and you're aware of the cost.

You can also place an order by calling Deluxe at 877-838-5287 or visit any U.S. Bank branch. We recommend scheduling an appointment to allow time for questions and processing. See also: How can I schedule an appointment at a U.S. Bank branch?

You can place a stop payment on a single check or a series of checks. Before doing so, please be aware:

  • Payments already in process or completed can't be stopped.
  • A stop payment doesn’t change any existing agreements you may have with the payee.
  • A one-time service fee applies to each stop payment request. The fee amount depends on the account type used in the transaction.
  • Cancelling a stop payment request can only be done by the account owner who placed it and does not refund the fee.

To place a stop payment using digital banking 

  1. Select the account with the check(s) you want to stop. 
  2. Online banking: Choose Account services, then choose Stop payments. 
    U.S. Bank Mobile App: Choose Manage, then select Stop payment.
  3. Select I used a paper check, then choose Continue. 
  4. Choose One check or Series of checks, enter the check information, then select Continue.
    • Optional: Select View disclosure for more information.
    • If the check has already cleared, you'll receive a message the stop payment can't be placed.
  5. Review the details, then select Agree & submit. 

Additional information

  • Stop payment requests are effective for 24 months.
  • A confirmation letter will be mailed to you once your stop payment is placed.
  • If the check is processing or already paid, the stop payment won’t be processed, and no fee will be charged.
  • Business customers with analyzed accounts will be charged a fee amount based on their account agreement. The specific fee amount will be disclosed on your analyzed account statement.
  • If you’d like to cancel a stop payment request, you can use digital banking, call us at 800-USBANKS (872-2657), or visit your local branch.
    See also: How do I cancel a stop payment on a check, ACH, or recurring debit?

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Sending a domestic wire is convenient when using digital banking. You can send a same-day wire between 7:30 a.m. CT and 4:30 p.m. on any business day. The exception is the cut-off time for federal tax payments, which is 2:30 p.m. CT. These times apply to incoming and outgoing wire transfers. Please be aware there is a fee charged for using this service.

To send a domestic wire transfer using digital banking

  1. Online banking: Select Transfer & pay, choose External transfers & wires, then select, Send a wire.
    Mobile banking: Select Transfer & pay, choose External transfers, wires, & ACH then select, Wire money.
  2. Tell us about the wire you'd like to make.
    1. Choose the account you'd like to pay from. 
    2. Enter the amount to send.
    3. Optional: Select the calendar icon to change the "Send on" date. 
    4. Provide a reason for the wire transfer.
    5. Optional: Add additional information by using the "Reference info" field.
    6. If you agree to the fee displayed, select Continue. 
  3. Provide the recipient's name and address, then select Continue. 
  4. Provide the recipient's bank account and routing numbers, then select Continue. 
  5. Review the wire transfer information. Select Edit to change any respective section as needed. 
  6. Read the "Wire Transfer Authorization". If you agree, mark the check box and select Submit. 

More information

  • If you schedule it for a future date, changes can be made until 11:59 p.m. CT, the day before it's sent.
  • You can also call us at 800-USBANKS (872-2657) for help with sending a wire transfer.
  • To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

You can view images of your written checks, checks you deposited at an ATM and deposit slips in digital banking. If you deposited your check using mobile check deposit, you can only view your deposit history in the U.S. Bank Mobile App. See, How do I find my mobile check deposit history?

If you don't find the images you need, call us at 800-USBANKS (872-2657). We accept relay calls.

How to find your check, deposit slip and ATM deposit images in digital banking

  1. Select the account associated with the check or deposit slip.
  2. Locate the transaction by using the search function or scrolling through the list.
  3. Once found, select the transaction to open it.
  4. Online banking:
    • An image of the front of the check or deposit slip will display.
    • Select View back or Print as desired.

U.S. Bank Mobile App:

  • Select View check. Scroll left or right to view the front and back.
  • Choose the share icon to locate the print option.

More information

The search function can narrow your search and help find items older than six months. Select the magnifying glass above your transaction history to search by:

  • Merchant or transaction name
  • Date (custom dates ranges from up to seven years ago)
  • Amount
  • Category
  • Transaction type

Use one or all the options to locate the item you're looking for.

Manage your debit card.

Activating your card is easier than ever. You can activate it by:

  • Logging into digital banking.
  • Calling 800-236-3838 to use our automated phone system.
  • Making a deposit or withdrawal at any U.S. Bank ATM.

Note: For your security, your PIN arrives separately from the physical debit card.

To activate your debit card using online banking

  1. Select your checking account from the dashboard.
  2. Choose Card controls, then Activate Card.
  3. Input the card information, then click Submit.

To activate your debit card using the U.S. Bank Mobile App 

  1. From the main menu select Manage cards.
  2. Select the card requiring activation.
  3. Select Activate Card.
  4. Input the required card information, then select Activate.
  5. Select Return to Card Management if you need to activate another card. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

You can change the PIN for your personal or business ATM or debit card anytime. You'll need to have a registered cellular device (mobile number) and your old PIN to change it. See also: How do I establish a registered cellular device on my profile?

Note, a PIN needs to be four digits with no spaces and cannot be 0000 or 9999.

How to change your PIN using online banking

  1. Select your checking or savings account from the dashboard, select Accounts, then Manage cards.
  2. In the Card controls area select Reset PIN.
  3. Select the card you’d like to change the PIN for, then Continue.
    Note:     You may be asked for your previous PIN and/or to enter a one-time passcode.
  4. Enter your desired number, confirm it, then select Save PIN. 

How to change your PIN using the U.S. Bank Mobile App 

  1. Open the main menu, then choose Manage Cards. 
  2. Choose the card associated with the PIN, then scroll down and select Reset PIN.
    Note:     You may be asked for your previous PIN and/or to enter a one-time passcode
  3. Enter your desired number, confirm it, then select Save PIN.

More information

If you don't have a mobile number on file and/or don't know the current PIN, we can still help. Contact us at 800-USBANKS (872-2657) and speak to a banker. We can mail a new PIN to the address on file. We accept relay calls.

Did you forget your card at the gas station, is it lost at home, or do you want to prevent it from being used? Don't worry, you can quickly lock or unlock your card at any time.  

If you're not able to find your card or if it was stolen, see: How do I request a replacement debit card?

How to lock or unlock your debit card using online banking

  1. Choose your checking account from the dashboard.
  2. Select Card controls, then select Lock or unlock card.
  3. Choose your card if you have more than one.
  4. Select Lock card or Unlock card to change the status of the card.

How to lock or unlock your debit card using the U.S. Bank Mobile App

  1. Open the main menu and select Manage cards.
  2. Choose the card and select Lock or unlock card.
  3. Select the toggle next to This card is unlocked or This card is locked, then select Done. 

More information

You cannot submit or ask for maintenance such as an address change while your card is in a locked status.

Ordering a replacement debit card is easier than ever. If it's damaged, you can order another card with the same number. If it was lost or stolen, see: How do I report my debit card as lost or stolen?

How to replace a debit card using online banking

  1. Select your checking account from the dashboard.
  2. Choose Card controls then select Order a new card.
  3. Select your card if you have more than one.
  4. Choose your reason for the replacement, then Continue.
  5. Lost, Stolen, or Never received: A new card number is issued.
    • New card design or Damaged: A new card with the same card number is issued.
    • An image of your debit card will display. Change to a new card design or keep the existing one, then choose Select this design.
  6. Review your address and the order details, if everything's correct, select Submit my order.

How to replace a debit card using the U.S. Bank Mobile App

  1. Open the main menu, choose Manage cards, then select the debit card to replace.
  2. Select Order a new card within the "Control" section, then choose the reason for the card replacement.
  3. An image of your debit card will display. Change to a new card design or keep the existing one, then select Next.
  4. Review the address and select Next.
  5. If your order details are correct, select Submit.

More information

To ship to a different address or if you like assistance by phone, please call us at 800-USBANKS (872-2657). We accept relay calls.

While waiting for your new card to arrive, your virtual debit card is available within digital banking. You can view the card number, expiration date, and three-digit security code. See also: How do I find my debit card number (virtual card)?

The virtual debit card can be added to your mobile wallet. Then you can use your smartphone to make ATM transactions and for contactless purchases. See also: How do I add a debit card to my digital wallet?

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

We're here to help. When we ask for more information about the circumstances, please answer as accurately as you can.

To dispute a transaction using online and mobile banking

  1. Choose the account the charge was made to.
  2. Select the disputed transaction to expand the details and choose Dispute this transaction.
  3. Answer the questions to help us determine the reason for your dispute, then select Continue to start your case. 

Additional information

If your case can be submitted through digital banking, you'll receive confirmation once the steps are completed.

If the dispute option doesn't appear or if you have any questions, call us at 800-USBANKS (872-2657) to speak with a banker.

If you'd prefer to contact us in writing regarding your dispute, please include the following in your letter. 

  • Your name, card number, address, and phone number.
  • The amount of the transaction and the date it posted.
  • The reason for the dispute and why you believe a mistake was made.

The address to send the above information to is:

Cardmember Service
PO Box 6335
Fargo, ND 58125-633

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

If you don't have your debit card, we can help.

  • To order a new card sent to your address on file using digital banking, follow the steps below.
  • We've recently enhanced our automated phone system. It's a great way to order a replacement debit card without the need to talk to a banker. See also: How do I use your automated phone system to get a replacement debit card?
  • If you'd like to lock your card while you look for it, see also: How do I lock or unlock my debit card?
  • If you need your card sent to a different address, give us a call. You can reach us at 800-USBANKS (872-2657). We accept relay calls.

Report your debit card as lost or stolen using online banking

  1. From your account dashboard, select the checking account your debit card is associated with.  
  2. Select the Card controls option from the transaction section.
  3. Choose Lost or stolen card under "protect".  
  4. Select whether your card was lost, stolen, or never received.
  5. Choose the card(s) you'd like to close and replace, then select Continue.
  6. We'll lock your card(s); select Continue.
  7. Enter the date your card(s) went missing and select Continue.
  8. Next review the recent transactions. Choose:
    • Yes, continue if the transactions are yours. Then proceed to the next step.
    • No, I don't if you don't recognize them. You'll be directed to call the number on your screen to start a fraud case. 
  9. Choose to keep the same PIN or not and select Continue.
  10. Choose a new card design (if there's other design options available) or keep the same design. Then select Continue.
  11. Confirm your shipping details and select Continue if everything looks right. 
  12. Review the order details. if it's correct, select Replace card. 

Report your debit card as lost or stolen using the U.S. Bank Mobile App:

  1. From the main menu choose Manage cards, then choose the card(s) you'd like to close and replace,
  2. Select Report card lost or stolen (you may need to scroll to locate it).
  3. We'll lock your card(s); select Continue.
  4. Enter the date your card(s) went missing and select Continue.
  5. Next review the recent transactions. Choose:
    • Yes, continue if the transactions are yours. Then proceed to the next step.
    • No, I don't if you don't recognize them. You'll be directed to call the number on your screen to start a fraud case. 
  6. Choose to keep the same PIN or not and select Continue.
  7. Choose a new card design (if there's other design options available) or keep the same design. Then select Continue.
  8. Confirm your shipping details and select Continue if everything looks right. 
  9. Review the order details. if it's correct, select Replace card.  

More information

While waiting for your new card to arrive, a virtual copy is available in your digital banking. It can be used online, at the ATM or wherever contactless purchases can be made. Please see: How do I find my debit card number (virtual card)?

To use your virtual card at the ATM or for a contactless purchase, add it to your mobile wallet. See also: How do I add a debit card to my digital wallet?

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

If you're traveling anywhere within the United States, there's no need to let us know. We'll continue to monitor your account for fraudulent activity. 

If you're traveling internationally and expect to make charges, let us know ahead of time through digital banking. This will help us protect you against potentially fraudulent activity. You can:

  • Add the notification(s) as much as 90 days before your travel date.
  • Edit or delete notifications as many times as you'd like.
  • Add multiple trips or destinations, as long as the dates for each don't overlap.

You'll need a registered cellular device on your profile. See also: How do I establish a registered cellular device on my profile?

How to add travel notifications using Online banking

  1. Choose an account from your dashboard then select the Account services tab. 
  2. Select Travel notifications from under Alerts & notifications.
  3. Choose Add a trip or if there's a previously entered notification you want to modify, select Edit trip or Delete trip.
  4. Enter your trip details, then select Save.
    • Enter another country, then choose Add to include up to five destinations. 

How to add travel notifications using the U.S. Bank Mobile App

  1. Open the main menu then select Manage cards.
  2. Select the card you'll be traveling with, then Travel notification.
  3. Select Add trip, or if there's a previously entered notification you want to modify, select Update trip or Delete trip.
  4. Enter your trip details, then select Save.
    • Select + Add destination to up to five countries.  

More information

If you have any questions, please call us. We accept relay calls. 

  • Debit cards: 800-USBANKS (872-2657)
  • Consumer credit cards: 800-285-8585
  • Business credit cards: 866-485-4545

Please be aware transactions in the following countries cannot be approved due to current sanctions:

  • Cuba
  • Iran
  • Iraq
  • North Korea
  • Burma (Myanmar)
  • Sudan
  • Syria 

 

Want to speak to a banker?

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