Checking Account Advance for Checking Account customers of U.S. Bank A less expensive alternative to a Payday Loan

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	Checking Accounts > Account Features > Checking Account Advance

Checking Account Advance

Get cash fast when you need it the most!
When an unexpected expense occurs, if you're a checking account customer, you can immediately advance funds from your next Direct Deposit1 into your U.S. Bank Checking Account. For complete information regarding the Checking Account Advance service, review the Guide, the Agreement, and the Frequently Asked Questions prior to the use of the service.

Specifics of Checking Account Advance:

You must be an eligible2 checking account customer
Checking Account Advance is a short-term line of credit where customers can borrow money from an upcoming Direct Deposit.
No application or approval process necessary if you are an eligible2 checking account customer
Advanced funds are deposited directly into your checking account and available for your immediate use3
Advance limit is up to $500. Please refer to the Agreement for details. Minimum advance amount is $20. The fee charged is $2.00 for every $20.00 borrowed4
Outstanding advances are automatically paid with your next Direct Deposit of $100 or more
Advances must be paid in full within 35 days of each advance

Checking Account Advance is designed for unexpected short-term credit needs and is an expensive form of credit. If you decide to borrow, borrow only as much as you can afford to repay from your next deposit.

View less expensive credit alternatives or contact us.

If eligible, you can access your funds seven days a week, 24 hours a day:

Online - Login to U.S. Bank Internet Banking and choose Cash Advance from the left menu. Don't use Internet Banking? Enroll now or learn more about Internet Banking
ATM5 - Select 'Cash Withdrawals or Advances', then 'Advance from next direct deposit'
Phone - Call 800-USBANKS (800-872-2657)
Branch - Locate a U.S. Bank branch

"Direct Deposit" means an electronic deposit of funds into your Associated Checking Account, including, reoccurring electronic deposits (such as payroll deposits, Social Security deposits, interest income, etc.) and one-time electronic fund transfers into your Associated Checking Account (such as tax refunds, funds transfers from another bank, etc.), excluding ATM deposits. Learn more about direct deposit

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You are eligible if you have been a customer with a deposit account for at least 6 months, have eligible monthly direct deposits of $100 or more and your checking account is in good standing.

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If your checking account is overdrawn, your minimum advance amount must bring your account to a $0 balance.

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This is an Annual Percentage Rate (APR) of 120%.

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Available at most U.S. Bank ATMs.

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