U.S. Bank Online BankingAbout Online Banking

With U.S. Bank Online Banking, you'll enjoy many time-saving account management features, including:

  • Expanded Transaction History – access up to 2 years of transactions – building to 5 years.
  • Search Functionality – search through your transaction history by date, transaction type, description or amount.
  • More Online Statements – over 2 years of Online Statements – building up to 7 years.

Log in or enroll today.

Account Transactions
  • Click to Show/Hide Make a Payment
    AutoPay/WebPay

    With Online Banking, you have the flexibility to schedule a future payment, make a same day payment or sign up for AutoPay, where your payment is scheduled on the same day each month.

    To make a payment:

    1. Log in to Online Banking.
    2. Under the "Transfers and Payments" tab, select "Pay a U.S. Bank Account."
    3. Complete the payment information.
    4. Select Continue.

    The cut-off time for same day Web (non-AutoPay) payments varies but generally ranges between 5 pm and 8 pm CT. Please contact Cardmember Service if you have questions about your applicable cut off time.

    PhonePay

    Making a payment over the phone is easy!  First you need to sign up for this option, and then each time you make a payment via our automated phone system, your next statement will reflect that payment. After you've set up PhonePay the first time, call Cardmember Service anytime before your payment due date?even on the due date if you call before 7 p.m. (CST). Have your Card account number handy and follow the easy payment instructions. There is no charge for a payment made through our automated phone system (consumer cards only).3 To sign up for PhonePay just call Cardmember Service.

    Mail

    Send your check or money or to:
    U.S. Bank
    Cardmember Service
    P.O. Box  790408
    St. Louis, MO 63179-0408

    Be sure to include your account number in the memo area of your check.

  • Click to Show/Hide Transfer a Balance
    You can transfer up to 4 balances to your account. 

    Note: Rewards are not awarded on Balance Transfers. It is the cardholders responsibility to close their own existing credit card, upon the completion of a balance transfer to a U.S. Bank Visa credit card.

  • Click to Show/Hide Convenience Checks
    You can request a booklet of Convenience Checks through Online Banking. 

    Note: Available on select FlexPerks products. FlexPoints are not awarded on Convenience Checks.

  • Click to Show/Hide View your Balance and Transaction History
    With Online Banking, you can view your account balance and most recent transactions.

Account Preferences
  • Click to Show/Hide Go Paperless!
    Go Paperless and be entered in the Ticket to Win Sweepstakes.4   Learn more.
  • Click to Show/Hide Stay Informed with Account Alerts
    Account Alerts notify you of important account activity, such as a low available balance or when a payment is due. You can set-up these alerts and select where you would like an email or text message notification delivered. Standard text messaging rates may apply from your mobile carrier. The following alerts are available:

    Statement and Payment Alerts
    Online Statement Available
    Payment Due
    Payment Overdue
    Payment Posted

    Account Balance Alerts
    Available Credit
    Balance Exceeds Defined Amount

    Transaction Alerts
    Suspicious Transaction
    Transaction Dollar Amount
    Credit Posted
    Debit Posted
    Card Not Present
    International Transaction

  • Click to Show/Hide Security Alerts
    Security Alerts notify you when sensitive personal information, like an ID or address, changes. These alerts do not require any set-up and are automatically delivered to your primary email address.
    You will be notified when the following events occur:
    • Address or phone number changes
    • Primary email address changes
    • Online Banking ID or Password changes
    • ID Shield Changes (including setup, questions and answers or image/sound and phrase changes)
    • Online Banking ID and Password were disabled due to multiple, incorrect login attempts
    • Login Assistance was requested to provide your Online Banking ID
  • Click to Show/Hide Manage your Overdraft Protection Preferences
    U.S. Bank overdraft protection protects your U.S. Bank Checking account from costly overdrafts by automatically transferring cash to it from your FlexPerks credit card account.
  • Click to Show/Hide Annual Account Summary
    Personal Cardmembers: Get a free, online, comprehensive record of your credit card activity. Learn more.

    Business Cardmembers: Account reporting is available through ScoreBoard.

FlexControl
  • Click to Show/Hide What is FlexControl?
    With FlexControl, you have the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance more quickly, or pay off larger purchases over time. Choose FlexControl Essentials or Accelerator to manage your payments and save on interest.
  • Click to Show/Hide FlexControl Essentials
    • Choose up to seven everyday Essentials categories (like gas, groceries, dining or bill payments) to pay in full monthly.
    • Pay no interest on your chosen Essentials categories when they're paid in full each month, which happens automatically once you've enrolled.
    • Select your preferred monthly Essentials payment date.
    • Retain your ability to carry a balance on your card for larger purchases or unexpected expenses.
  • Click to Show/Hide FlexControl Accelerator
    • Make accelerated payments to reduce your credit card balance and save on interest charges.
    • Choose an amount you're comfortable with to add to your minimum payment - we'll track these incremental payments on your statement and show you the interest you're saving.
    • Choose a payment frequency that fits your finances (monthly or weekly).
    • After you set up your Accelerator payments, you can adjust them online any time.
  • Click to Show/Hide How to set up Essentials or Accelerator
    To set up FlexControl Essentials or Accelerator:
    1. Log in to Online Banking.
    2. Under the "Transfers and Payments" tab, select "Pay a U.S. Bank Account."
    3. Select the account you are paying to and from and then select "Recurring"
    4. Your FlexControl options will be displayed to the right.

Additional Features
  • Click to Show/Hide Redeeming FlexPoints
    To redeem rewards:
    1. Log in to Online Banking.
    2. Under the "My Accounts" tab, select "My Rewards."
    3. Select "Redeem Rewards" under your FlexPerks Visa card.

    Not an Online Banking customer yet? Enroll Now it's free!

  • Click to Show/Hide Free Experian® Credit Score
    Cardmembers enrolled in Online Banking can now obtain their Experian® Credit Score - at absolutely no cost!  Knowing your credit score can help you:
    • Gain a greater understanding of your financial health
    • Learn how your score works by discovering what factors impact your score
    • Implement goals to improve or maintain your score

    To get your free credit score:

    1. Log in to Online Banking.
    2. Select your FlexPerks Visa card.
    3. Select "Check Your Credit Score for Free" from the left navigation.

    Not an Online Banking customer yet? Enroll Now it's free!

  • Click to Show/Hide Request a Cardmember Agreement

    To request a copy of your Cardmember Agreement:

    1. Log in to Online Banking.
    2. Select "Self Service" under the "Customer Service" tab.
    3. Select "Manage Your Credit Account"
    4. Click on "Signature (including Cash and Travel)" if you have a FlexPerks Travel Card, or click on "Cash, Select and Travel Rewards" if you have a FlexPerks Select Card.
    5. Select "Request A Cardmember Agreement" and follow the easy steps to submit your request.

    Your Agreement will be mailed to you within 7-10 business days.

  • Click to Show/Hide Download Transaction Data
    Download up to 90 days of transaction data.  Easy download formats include Quicken® or Microsoft® Excel.
  • Click to Show/Hide Enjoy the Convenience of Mobile Banking
    Safely and securely get what you need, no matter where you are. As an Online Banking customer, you are already enrolled and can use your existing login information to access this free5 service.  Learn more.

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.

Business Cardmembers: U.S. Bank will increase your rate to a Penalty Rate if you:  1) Make payments 5 calendar days late twice, or 30 calendar days late once. 2) Make a payment that is returned; or 3) If you exceed your Credit Limit 2 times in 12 consecutive months.

 

The creditor and issuer of the U.S. Bank FlexPerks Visa Cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

 ©2014  U.S. Bank National Association. All rights reserved.


1 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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2 Payments are guaranteed as long as accounts are sufficiently funded, all payment information is entered correctly and the payment is scheduled to arrive by its due date.
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3 Consumer Cardholders:
We may add a $10 service charge to the Purchase balance of the Account if you call us to make a payment on your Account and are assisted by a Cardmember Service Representative to make the payment. You will be provided with confirmation of the service charge before the payment transaction is authorized.

Business Cardholders:
We may add a $10 service charge to the Purchase balance of the Account if a payment is made over the phone either through our automated system or if you are assisted by a Cardmember Service Representative to make a payment.  You will be provided with confirmation of the service charge before the payment transaction is authorized.
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4 NO PURCHASE, ACCOUNT OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS PROMOTION.  ALL ENTRIES HAVE AN EQUAL CHANCE OF BEING SELECTED. Sweepstakes ends 12/31/14.  Open to legal residents of the 50 United States and D.C., who are of legal age.  For details, visit the Official Rules.  Void where prohibited. Sponsor:  U.S. Bank National Association.
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5 U.S. Bank does not charge a fee for mobile banking. Account or transaction fees may apply. Standard messaging and data rates may apply.
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