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Mobile Banking FAQs

Logging in and account security

  • Yes. Your personal information is safe with us.

    • We use advanced encryption and monitoring technology.
    • We secure your accounts with your unique Personal ID and password.
    • We never request personal information through email.
    • And we never store your personal banking information on your phone.

    Our Risk-Free Guarantee also ensures we’ll cover any losses from any unauthorized use of your account.

  • Just choose “Get Login Help” from the home screen or call 800-685-5035.

    If you forget your password we'll help you create a new one.
    If you forget your Personal ID we'll retrieve it for you.

    We'll ask you to enter your account number and other verification information depending on your account type.

  • Your Personal ID is a permanent user name. An example would be “JohnS12,” or “JanetP125.” IDs have 7 to 22 characters (letters and/or numbers only). You set up your Personal ID with a banker or the first time you sign up for Mobile and Online Banking.

    Your password contains 8 to 24 characters. It contains both letters and numbers with no spaces. It can also include special characters like %, $ and &.

    ID Shield gives you the confidence that you are logging in to a real U.S. Bank account. It includes a picture (like a flower or sailboat) and a unique phrase or sound (like the phrase “pizza time” or the sound of a bicycle horn). You pick these identifiers from various options we provide. As a backup you will also pick very unique questions only you should be able to answer (like the name of your first pet).

  • If your account was locked after incorrectly entering your password:

    Choose “Get Login Help” from the home screen.

    If your account was locked after incorrectly answering your security questions:

    Visit our full Online Banking site at usbank.com and choose “Login Assistance” or call 800-685-5035.

  • Don't worry, we can help. First follow all of the steps recommended by your service provider for a lost or stolen device.

    • If you're using the "Remember My ID" setting on your U.S. Bank Mobile app, please visit usbank.com, log in to Online Banking, and change your Personal ID.
    • If you're not using Remember My ID there is no need to change your ID.
    • If you're using Text Banking call 800-US BANKS (800-872-2657) or log in to Online Banking and choose "Text Banking" to cancel Mobile Banking services for that phone or device.
  • It's important to download mobile apps from reputable sources only. Make sure U.S. Bank is listed as the app publisher or seller in the app store or download site.

    If you have suspicions about the authenticity of a mobile banking app, visit www.usbank.com/mobile. For more info on how to keep your accounts safe, visit our Fraud Information Center.

  • When you first sign up for Mobile Banking and Online Banking you’ll be asked to choose a Personal ID and password, then complete the following steps to set up ID Shield:

    1. Select 3 to 5 security questions from a list.
    2. Choose an image to identify your account.
    3. Choose a word or phrase. The word or phrase will display with your ID Shield image every time you log in to U.S. Bank Mobile or Online Banking.

    You only need one Personal ID, password and ID Shield to log in to both Mobile or Online Banking.

Making deposits

  • DepositPoint Mobile, available through the U.S. Bank Mobile app, lets you make a deposit from your iPhone, iPad or Android smartphone by taking a picture of your check.

  • Log in to U.S. Bank Online Banking at the full site and click "Make a Deposit" on the left sidebar. Then click on “Enroll Now” and follow the instructions to apply. Once enrollment is complete, you can access DepositPoint from the U.S. Bank Mobile app.

  • To use DepositPoint follow these steps:

    • From the "Remote Check Deposit" screen select "New Deposit".
    • Select the Account you'd like to use for the deposit.
    • Enter the amount of your deposit.
    • Make sure the front of your check is clearly visible, select "Front Image" to snap a picture of your check.
    • Ensure the back of your check is visible and that it has been signed, select "Back Image" to snap an image of the reverse side of the check.
    • Select "Continue" to review the accuracy of your deposit.
    • Select "Deposit" to complete the deposit of the check to your account.
  • To improve the image quality of the check ensure the following:

    • There is a strong wireless Internet connection,
    • The picture, including your signature, is clear
    • All four corners of the check are showing
    • The lighting is strong enough to see the check details
    • Your check is placed on a dark background
    • The picture is taken from directly above the check and holding the camera very still
    • All eligible accounts opened after signing up for DepositPointTM are automatically added to the service. Only eligible accounts are viewable in DepositPoint for deposits.
    • Any account that has no more than two Returned Deposited Items within a three-month period.
    • Accounts undergoing fraud investigations may be removed from DepositPoint.
  • Deposit limits can be seen in Online Banking by clicking "Make a Deposit" on the left sidebar, then clicking "Start a Deposit Online"

  • You can make as many deposits per day as you would like, but the total deposit amount cannot exceed the daily and/or five consecutive business days deposit limits.

  • The deposit cut-off time is 9:00 p.m. CST, Monday through Friday. If you submit after 9:00 p.m. — or on a non-business day or holiday — your deposit will be processed the next business day.

  • Yes. Both images are required to make the deposit.

  • Yes. Please sign the back of your check, include your account number and write "for deposit only at U.S. Bank."

  • DepositPoint is available through the Mobile app only, not through U.S. Bank Mobile Web.

  • DepositPoint Mobile supports:

    • All iPhone models 3 and above
    • iPad models 2 and above (DepositPoint requires a camera to function correctly)
    • Android versions 1.6 and above
    • Blackberry® and Windows® smartphones do not currently support DepositPoint Mobile
  • There is a $0.50 fee for each deposited check.

  • DepositPoint may crash due to low memory. You can try these suggestions:

    1. Close all applications, try again
    2. Clear cache, try again
    3. Restart the device
    4. Make sure you have updated your Mobile app to the latest version
  • Although the image appears stretched, the deposit will still be accepted and processed. Be sure to verify the details of the check to see if the image captured the correct information.

Paying bills

  • Bill Pay is a free bill pay service that lets you make payments to anyone in the U.S. from your U.S. Bank checking account. Once you've signed up for Bill Pay you can make payments with the U.S. Bank Mobile app or Mobile Web.

  • When you set up your Online Banking account, you can also sign up for Bill Pay at the same time. You’ll automatically have access to Bill Pay in Mobile Banking.

    To sign up later for Bill Pay, log in to U.S. Bank Online Banking and click “Pay Bills” on the left sidebar. Then click on “Enroll Now” and follow the instructions to apply. Once enrollment is complete, you can access Bill Pay from the U.S. Bank Mobile app or Mobile Web.

  • If you’re already using Online Banking, signing up to pay bills is easy. You can pay bills in Mobile or Online Banking with a phone or iPad or on a computer.

    Follow these simple steps to pay your bill(s) using Mobile Banking:

    • From the “Pay & Transfer screen”, select “Pay Bills” and select either “Pay eBills” or “One-time Payment” depending how you wish to pay your bill.
    • Based on your selected payment method (Pay eBills or One-time Payment), follow the steps provided by the app to send your payment.
      • Note: I: If the “Pay To” contact or biller name is not listed, you will need to add the biller through the U.S. Bank Online Banking site or in the app.
      • Now you can add billers easily using Photo Bill Pay with the U.S. Bank Mobile app.

    Most scheduled payments can be made in 1-2 business days. To view the status of your payment(s) select “View Pending Bills” from the “Pay Bills” screen.

  • In the Mobile app, we offer the Photo Bill Pay option to add billers easily. You just take a picture of your bill with your phone or iPad and the bill details are captured in Bill Pay. Then you choose to pay the bill or save it to pay later.

  • No. There is no limit to the number of bills you can pay.

  • Now you can add billers easily using Photo Bill Pay in the U.S. Bank Mobile app. You can also add billers manually in Mobile web and app.

    • From the “Pay Bills” screen, choose “Add a New Biller”. You can either “Add by Photo” (Photo Bill Pay) or “Add a Company Manually.”
    • Photo Bill Pay captures all the biller information in the app by taking a picture of your bill stub with your phone or tablet.
    • Verify that the details are correct and the bill will be added to Bill Pay to pay or save for later.
  • To improve the image quality of the bill stub, ensure the following:

    • There is a strong wireless Internet connection
    • The picture of the bill stub is clear
    • All four corners of the bill stub are showing
    • The lighting is strong enough to see the bill details
    • Your bill stub is placed on a dark background
    • The picture is taken from directly above the bill stub
  • On the “Pay Bills” screen, select “View/Edit Biller Details”. Choose the biller name to view the Biller Info screen. On that screen you can edit the details or delete the biller.

  • On the “Pay Bills” screen, you can choose “One Time Payment” or “Set Up Recurring Payments”. Either option allows you to schedule a future date for a payment to be sent to a biller.

    You can also view and edit any scheduled future payments from the "Pay Bills" screen. Most scheduled payments can be made in 1-2 business days. To view the status of your payment(s) select "View Pending Bills".

  • You can also view and edit any scheduled future payments from the "Pay Bills" screen. Most scheduled payments can be made in 1-2 business days. To view the status of your payment(s) select "View Pending Bills".

    To edit, cancel or manage eBills, please log in to U.S. Bank Online Banking.

  • You’ll need a checking account or Money Market Savings account to pay bills, so only these accounts will be shown as options to pay bills. If you do not see the correct accounts, please call 800-US BANKS (800-872-2657).

  • You’ll have access to Bill Pay in Mobile Banking after you’ve set up your Online Banking account and signed up for Bill Pay. To sign up later for Bill Pay, log in to U.S. Bank Online Banking and click "Pay Bills" on the left sidebar. Then click on “Enroll Now” and follow the instructions to apply.

    If you have questions during enrollment, please call 800-US BANKS (800-872-2657).

  • U.S. Bank Bill Pay is free.

Sending money

Requesting a Balance Transfer

  • If you're an eligible U.S. Bank credit card customer, you can initiate a credit card balance transfer by taking a photo of your bill payment stub using your mobile device camera.

    1. Log in to Mobile Banking and view your U.S. Bank credit card account to find out instantly if you have a credit card balance transfer offer.
    2. Snap a photo of the bill payment stub from your other credit card account with your mobile device camera, or enter your account information manually.
    3. U.S. Bank will pay the balance on your other credit card, transferring that balance to your U.S. Bank credit card account.
    • View your credit card account in the U.S. Bank Mobile app to find out instantly if you have a credit card balance transfer offer.
    • Take a picture of your credit card bill payment stub using your mobile device camera.
    • Be sure to place the bill payment stub on a smooth, contrasting surface.
    • Your credit card account details are automatically captured in Photo Balance Transfer.
    • Separate the perforated portion of the bill payment stub.
    • Place the bill payment stub on a smooth, contrasting surface.
    • Make sure all four corners of the bill payment stub are clearly visible.
    • Snap the photo and review on the "Verify Info" screen.
    • On your My Accounts page, click More in the lower right corner.
    • On the next screen, click the View Policies and Agreements button
    • On the Policies and Agreements screen, click Balance Transfer Agreement
    • On the Balance Transfer Agreement screen, click the agreement that pertains to the card balance you transferred.
    • You will be able to view the agreements for up to two (2) years from the date on which you accepted the agreement.
  • The Servicemembers Civil Relief Act (SCRA) provides current and former military members with special promotional rates for their credit card balance transfers. If you’re eligible for the special promotional rate, you will be provided with a phone number to call through the U.S. Bank Military Service Center.

Using Account Alerts

What's available on the iPad, iPhone, Android and BlackBerry

  • Mobile Banking is what we call all the banking services U.S. Bank offers for your phone or iPad tablet. Here’s how you can access your accounts today:

    • A U.S. Bank app you download to your iPad, iPhone, Blackberry or Android phone
    • The Mobile Web, accessed at m.usbank.com
    • Text Banking for phones without web access

    Once you log in with your Online Banking ID and Password you can check balances, transfer funds, deposit checks, pay bills, send money and pay people in the U.S. You can also text us for transaction history and balance information.

  • The answer depends on 1) what you want to do with Mobile Banking and 2) the type of phone or iPad tablet.

    • The Mobile app is a free, downloadable smartphone application that lets you see what’s happening with your accounts, send money, transfer money, pay bills and deposit checks and add bills using U.S. Bank Photo Bill Pay.
    • The Mobile Web is found at m.usbank.com. It gives you a sophisticated, “mobilized” version of features U.S. Bank offers online: pay bills, see detailed account info and send or transfer money.
    • Text Banking is designed for any phone with SMS capability. Just text us for account balances, transaction history or the location of ATMs and branches nearby. Sign up for Text Banking on your phone or through Online Banking.
  • With your Mobile app you can:

    • Deposit checks
    • Pay bills and add billers with Photo Bill Pay
    • Send money to anyone in the U.S.
    • Transfer money between accounts
    • See your balances and account history
    • Find the nearest branch or ATM
    • All from the app icon on your iPhone, smartphone or iPad home screen

    Mobile Web lets you:

    • Pay bills
    • Send money to anyone in the U.S.
    • Transfer money between accounts
    • See your balances and account history
    • Find the nearest branch or ATM
    • All from the web browser on your iPhone, iPad or smartphone

    Use Text Banking to:

    • Check your balance
    • See recent transactions
    • Find an ATM based on your ZIP code
    • Just text us
  • Yes. You’re free to switch between the Mobile app, Mobile Web or Text Banking. Note that some features are only available on the Mobile app including Photo Bill Pay and DepositPoint™ Mobile.

  • U.S. Bank Mobile Banking works with:

    • All iPhones
    • iPad
    • iPod Touch
    • All Android phones
    • Blackberry
    • Any phone with a web browser
    • Any phone with SMS capability for Text Banking
    • Checking
    • Savings
    • Credit cards
    • Loans and lines of credit
  • You'll need:

    • To be enrolled in U.S. Bank Online Banking (it's free).
    • At least one U.S. Bank checking, savings, credit, loan or line of credit account.
    • A smartphone or iPad tablet that can download an app or access the web.
    • Any phone with SMS capability for Text Banking
  • Signing up for Mobile Banking is easy:

    Mobile app

    • After the application has been installed on your phone you can use the same Personal ID and Password you set up through U.S. Bank Online Banking at the full site.

    Mobile Web

    • You can access Mobile Web at m.usbank.com using the same Personal ID and Password you set up through U.S. Bank Online Banking.

    Text Banking (three ways to sign up)

    • Option 1: From the U.S. Bank Online Banking site, choose Mobile Preferences, select "Text Banking" and follow the simple steps provided.
    • Option 2: Go the "More" menu in our Mobile app and follow the instructions.
    • Option 3: Go to the "More" menu in the U.S. Bank Mobile Web and follow the instructions. You will receive a Text (SMS) message asking you to complete your registration.
  • It’s easy to sign up:

    DepositPoint

    • You’ll have access to DepositPoint once you sign up for it at U.S. Bank Online Banking.

    Pay A Person

    • Log in to U.S. Bank Online Banking and make sure you have signed up for Bill Pay. Once you have signed up for Bill Pay, you will also be able to Send and Receive Money in the Mobile app.

    Bill Pay

    • You’ll have access to Bill Pay once you’ve set up a U.S. Bank Online Banking account and signed up for Bill Pay during enrollment. To sign up later for Bill Pay, log in to U.S. Bank Online Banking and click "Pay Bills" on the left sidebar. Then click on "Enroll Now" and follow the instructions to apply.
  • Yes — You can have Account Alerts and Security Alerts sent to you by text or email.

    • Security Alerts are sent when changes are made to your personal information like your address or Personal ID.
    • You can choose your own Account Alerts to announce payment due dates, deposits or other activity.
  • Add an eligible account(s) as overdraft protection to your checking account, or change the order in which accounts are linked for overdraft protection with the following steps.

    • After logging in, from the "My Accounts" page select the checking to receive overdraft protection
    • Scroll to the bottom of the "Activity" page and select the "Overdraft Protection" button
    • On this screen you are able to add, delete or change the order that the accounts are linked.
    • Remember to select "Save" to ensure your changes are effective
  • If you can’t locate nearby ATMs/Branches with GPS:

    • (Double check that your GPS is turned on)
    • Make sure your phone has a clear view of the sky to get the best GPS signal
    • Sometimes, there may simply be no nearby branches or ATMs

    If you are typing in the location:

    • You may have mistyped the state abbreviation (it should have two letters like "NH", "NJ", "NM" or "NY")
    • Make sure you typed either a ZIP code or both a city and state together.
  • Yes, as long as your mobile carrier offers Internet service in the country you are visiting. Note: The ability to deposit checks using DepositPoint™ isn’t available outside the U.S. All additional roaming, access and text charges from your carrier will apply.

  • No. Mobile Banking services are currently only available in English.

  • We don’t charge a fee to access the Mobile Web or download and use the Mobile app. For DepositPoint™, a fee of 50 cents will be charged for each deposited check. For Text Banking and Alert Services, standard messaging and data rates from your mobile carrier may apply.

  • Transaction Search lets you find account transactions – or a range of transactions – using the search criteria Transaction Description, Type, Amount, Date or Check Number.

  • Yes. You can sort by Transaction Date, Description, Type or Amount. You can also define the order of your sort – for example, highest-to-lowest or lowest-to-highest.

Banking via a mobile app

Banking via the mobile browser

  • You can access the Mobile Web at m.usbank.com through your phone's web browser. It gives you a sophisticated, "mobilized" version of features U.S. Bank offers online: pay bills, see detailed account info and send or transfer money.

    • Pay bills.
    • Send money to anyone in the U.S.
    • Transfer money between accounts.
    • See your balances and account history.
    • Find the nearest branch or ATM.
  • You can access Mobile Web at m.usbank.com using the same Personal ID and Password you set up through U.S. Bank Online Banking.

  • Yes. A smartphone or iPad with a web browser is all you need to access the Mobile web.

    Note: BlackBerry® and Windows® smartphones do not currently support DepositPoint Mobile and Photo Bill Pay.

  • Yes. You’ll need to use your Personal ID and password. If you don’t have one, you can sign up anytime for free by enrolling in Online Banking at our full site.

  • Yes. You can pay any biller that you have added through the Online Banking site, Mobile app or Mobile Web.

  • Add an eligible account(s) as overdraft protection to your checking account, or change the order in which accounts are linked for overdraft protection with the following steps.

    • After logging in, from the "My Accounts" page select the checking to receive overdraft protection
    • Scroll to the bottom of the "Activity" page and select the "Overdraft Protection" button
    • On this screen you are able to add, delete or change the order that the accounts are linked.
    • Remember to select "Save" to ensure your changes are effective
  • Mobile Web works on most mobile phones with internet access that also support WAP (Wireless Application Protocol).

  • Transaction Search lets you find account transactions – or a range of transactions – using the search criteria Transaction Description, Type, Amount, Date or Check Number.

  • Yes. You can sort by Transaction Date, Description, Type or Amount. You can also define the order of your sort – for example, highest-to-lowest or lowest-to-highest.

Banking via SMS (Text Banking)

  • Text Banking is a unique way to get all of your account information quickly using any phone with texting ("SMS") capability.

  • With Text Banking you can check your account balances and transaction history, with or without a smartphone or iPad tablet. Some smartphone users use Text Banking to get quick information without opening and logging in to the app or a browser.

    Our Mobile app also lets you pay bills, transfer and send money and deposit checks.

  • Text banking will work with all devices supported by: AT&T, Boost, Sprint, T-Mobile®, Verizon Wireless, Cincinnati Bell, U.S. Cellular® and Google Voice.

    Check with your carrier for details about text messaging charges.

  • No personal information is exchanged through your mobile device for text banking.

  • There are three ways to sign up for Text Banking:

    • Option 1: From the U.S. Bank Online Banking site, choose Mobile Preferences, select "Text Banking" and follow the simple steps provided.
    • Option 2: Go the "More" menu in our Mobile app and follow the instructions.
    • Option 3: Go to the "More" menu in the U.S. Bank Mobile Web and follow the instructions. You will receive a Text (SMS) message asking you to complete your registration.
  • You can text the following commands to us at 872265. We'll send a return text with the info you need.

    • BAL = See balances for all of your accounts
    • HIST = Text "HIST A1," "HIST A2," "HIST A3," etc. (meaning Account 1, 2 or 3) to see the transaction history for specific accounts
    • ATM = Text "ATM" plus a "ZIP Code" (“ATM 12345”) to find ATMs.
    • BRANCH = Text "BRANCH" plus a "ZIP Code" (“BRANCH 12345”) to find a branch.
    • MORE = Continues if there are more than a few results returned that can be shown in one text.
    • HELP = See how to get help.
    • GET APP = Text to a link via SMS that will allow a customer to download the app from their native app store.
    • STOP = Stop getting text messages from U.S. Bank. NOTE: This command does not deactivate SMS Text Banking. See Mobile Preferences in Online Banking to stop SMS texts.
  • If you have multiple accounts you can name them to make retrieving information easier. By default they're called "A1" (Account 1), "A2" and so on. Add these names to get the account history of specific accounts. For example, to get the transaction history on your second account text "HIST A2." To see your nicknames text "BAL" to 872265.

    You can use the Mobile app or Mobile Web to activate or deactivate a mobile phone number and update SMS/Text nicknames.

  • You can use the Mobile app or Mobile Web to activate or deactivate a mobile phone number and update SMS/Text nicknames.

  • No. You sign up for Account Alerts through U.S. Bank Online Banking. There you can tell us what kinds of updates you’d like to receive regularly, from payment due dates to transactions and balances.

  • No, commands can be sent in lowercase (bal) or all capital letters (BAL).

  • No. Currently you cannot search for specific transactions.

  • Messages are usually returned within one minute.

  • We make every effort to keep information contained to a single text. However, if you have a lot of accounts, or high balances, the message may be split into two. In some cases messages may be out of sequence.

  • If you have a new mobile number, visit Mobile Preferences in U.S. Bank Online Banking to update your contact information. There, use Text Banking preferences to delete your old number and activate your new one.

  • We do not charge you for text messages. You'll want to ask your service carrier about texting fees.

Calling for help

  • For help with Mobile Banking or your deposit and loan accounts, please call 800-US BANKS (800-872-2657). We're ready to help 24 hours a day, 7 days a week

    For Credit Card account support, call Cardmember Services at 800-285-8585.

    For password, Personal ID, ID Shield and account security questions call 800-685-5035.

    If you're having technical issues with your phone, have questions about mobile data access or data charges on your phone bill, contact the customer service department of your mobile service provider.

Deposit products offered by U.S. Bank N.A. Member FDIC

Mobile Web

Open m.usbank.com on any mobile device with Internet access and enjoy secure, convenient banking anywhere, anytime.

Mobile Security

Your privacy is always protected with US. No personal or financial information will be stored on your phone and all wireless communications are securely encrypted.

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