Online Banking

Online banking lets you complete everyday banking tasks from a desktop, tablet or mobile device. You can skip the trip to your bank branch or the ATM. Instead, just log in to your account to manage your money, deposit checks and monitor your bank accounts all in one place. Complete a simple enrollment process to get started. 

Mobile banking allows you to bank on the go using your smart phone or tablet. With mobile banking you can complete simple everyday tasks anywhere and at any time from the palm of your hand. You can access and manage your account profile, review your transactions, send money or redeem rewards all from one location. You can even access your account outside of the United States.

The major difference between online and mobile banking is how you access your account. With online banking, you log in to your account via a desktop, tablet or mobile device using your username and password. With mobile banking, once you download the app from your app store onto your mobile device or tablet, you can access your account through the app. Another difference between the two is the mobile app allows you to deposit checks using your mobile device or tablet.

For personal accounts: Gather your U.S. Bank card or account number and PIN along with your Social Security number to complete a one-time enrollment process. If you don’t have a PIN or need a new one, please contact 24-Hour Banking at 800-USBANKS (872-2657).

For business accounts: You’ll need an ATM or debit card. You can apply for these at a branch. Use your PIN to log in to mobile or online banking. Next, create a unique username and password to log in securely in the future. Then, just follow the instructions on the enrollment page.

Most account information is updated in real time as transactions are processed throughout the day. Mobile and online banking offers you the most current balance and transaction information available.

Yes. Your U.S. Bank checking, savings, money market and U.S. Bancorp Investments brokerage accounts are eligible to send and receive external transfers both through online banking and the mobile app.

You can change or reset your username or password in the mobile app or online banking.

You can select from a wide variety of alerts to stay informed of account activity that is important to you. Some common ones by account type include:

For checking and savings accounts:

• Negative balances
• Balances that fall below a dollar amount you choose
• Deposits or withdrawals that exceed a specified dollar amount
• Overdrafts and overdraft protection transfers (checking only)
• Availability of new statements and other online documents

For credit cards:

• Balances and transactions that exceed a dollar amount you choose
• Available credit that falls below a specified dollar amount
• Payments and credits posted to your account
• Payments due or overdue
• AutoPay payments scheduled or processed
• Transactions with higher fraud risk, such as ATM cash withdrawals, international transactions, gas station purchases, and purchases made without a card present
• Declined transactions

For ATM/debit cards:

• ATM cash withdrawals
• Transactions that exceed a dollar amount you choose
• International transactions
• Gas station purchases
• Purchases made without a card present
• Declined transactions

The most important thing you can do is keep your login credentials confidential. Logging out of your account when you are finished using digital services is also important. It is also important to never send money to those you do not know and trust. U.S. Bank offers a digital security guarantee that covers you from being liable for unauthorized transactions initiated through the mobile app or online banking. Visit Financial IQ to see a large selection of articles and videos related to protecting yourself again fraud.