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> Accounts > Loans and lines of credit

Loans and lines of credit

Choose a Fixed Rate for Your Home Equity Line of Credit
Sep 3, 2026
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Important disclosures Account Alerts: For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings.

Mobile Check Deposit: Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

Bill Pay: Safe Debit Accounts are not eligible for recurring payments or Express Delivery and can only pay billers listed in our system who accept electronic payment.

Bank Smartly® Checking: Members of the military (requires self disclosure) and customers ages 24 and under, and those 65 and over, pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle). The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply. Please refer to the Consumer Pricing Information disclosure for more details.

Safe Debit Account is subject to certain account limitations and eligibility requirements, including on the use of Bill Pay and Mobile Check Deposit. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions and the Consumer Pricing Information disclosure section titled Safe Debit Account for details.

Linking external accounts provides you with view-only access to balances and transaction details for accounts you hold at other financial institutions. The information displayed or provided as part of the external account linking service is for your informational purposes and may not reflect your most recent transactions or balances. We may also make you aware of products, services and offers that could be of interest to you. Some financial institutions may limit (or block) account linking services and we are not responsible for errors that may result from such limitations. Please see the Digital Services Agreement for the full terms of use related to linking external accounts.

In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative, and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include ACH and electronic deposits, cash deposits, wire transfers, ATMs deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include Mobile Check Deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability detail.

Average account balance: The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of days within the statement period.

Qualifying accounts include U.S. Bank activated credit cards. Credit products are subject to eligibility requirements and normal credit approval and may be subject to additional charges such as annual fees.

Variable rate account: Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. The interest rate Lift is calculated by taking your current interest rate and multiplying it by the interest rate Lift. This gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate Lift applies to standard rates only, it is not applicable for special or promotional rates. Savings interest rate Lift applies to Standard Savings only. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly™ Checking accounts.

A minimum of $25 is required to open a U.S. Bank Smartly™ Checking account. For a comprehensive list of account pricing, terms and policies, see the Consumer Pricing Information disclosure and Your Deposit Account Agreement.

The interest rates and APYs for the U.S. Bank Smartly® Savings account are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. A minimum opening deposit of $25 is required to open.

Eligibility for an interest rate bump: The interest rate bump is applicable for Bank Smartly® Savings when at least one account owner maintains an open and in good standing eligible product (U.S. Bank Smartly® Checking, Safe Debit account or a U.S. Bank Smartly™ Visa Signature® Card). Bank Smartly Savings accounts without an eligible product will earn the standard variable interest rate shown above. U.S. Bank Smart Rewards® enrollment is not required to qualify for this benefit. The interest rate bump is determined by the combined qualifying balances, as shown above.

What is included in the Combined Qualifying Balance: Qualifying balances include consumer or trust accounts where the account is open and you are an account owner. Note: Balances in business accounts, commercial accounts, and the Trustee only (IFI)1 , Grantor only (GRT)2 or Trustee & Grantor – Irrevocable Trust (TRG)3 client relationships do not qualify.

• Checking accounts

• Money Market savings accounts

• Savings accounts

• CDs and/or IRAs

• Personal Trust accounts

• U.S. Bancorp Investments accounts

• U.S. Bancorp Advisors6 brokerage accounts


Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.


How is the Combined Qualifying Balance calculated: The Combined Qualifying Balance is calculated separately for each account owner monthly. For Bank Smartly Savings accounts with multiple owners, the owner with the highest Combined Qualifying Balance will be used to determine the Smartly Interest Rate Bump tier. The interest rate bump and balance range information will be visible to all owners on the joint account. The Combined Qualifying Balance is determined as follows:

First, at the end of each month an average Combined Qualifying Balance is calculated. The balance is based on a 90-day average balance for all qualifying accounts and is calculated by adding together the end of day ledger combined balances for every day in the last 90 days and dividing the total by

-90 calendar days, or -the number of days since opening an initial qualified account

Next, the Smartly Interest Rate Bump tier that is applied to your Bank Smartly Savings account is determined by one of two potential calculations:

  • For the initial evaluation after opening your first qualifying account and at the beginning of every calendar month thereafter, we will apply the Smartly Interest Rate Bump tier based upon the average Combined Qualifying Balance (as described above)
  • In addition, we will review the Combined Qualifying Balances on a daily basis to determine whether you qualify for a higher Smartly Interest Rate Bump tier based upon the day’s Combined Qualifying Balances.

If your daily Combined Qualifying Balances qualifies you for a tier upgrade, you will be moved to the higher tier (within 5 business days). You will remain in that tier until you qualify for a higher tier based on your daily Combined Qualifying Balances, or the calculated monthly Combined Qualifying Balance qualifies you for a higher or lower tier.

The Smartly Interest Rate Bump tier will be applied to your Bank Smartly Savings account within the first 5 business days of each month or upon reaching a higher tier, which means that the tier that will be applied to your account may vary during a billing cycle.

How is the interest rate bump determined: After the first eligible Bank Smartly Savings account is opened and the eligible product verification is completed, on the next business day we will determine the initial interest rate bump based upon the average Combined Qualifying Balances (as described above). The interest rate bump is added to the standard interest rate to calculate the interest rate applied to the entire account balance in the eligible Bank Smartly Savings account generally within five business days. The interest rate bump can be adjusted up or down or remain the same (as described above). If the Bank Smartly Savings account is closed, the interest rate bump will cease immediately, and accrued interest will not be paid. If the required eligible product (Bank Smartly Checking, Safe Debit account or a U.S. Bank Smartly™ Visa Signature® Card) is closed but the Bank Smartly Savings account remains open, the interest rate bump will remain valid until the end of the calendar month.

For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments and U.S. Bancorp Advisors.

1 Trustee (IFI) – The person(s) or entity are serving in the capacity of trustee(s) but are not grantor(s). The trustee typically manages the assets of the trust account and distributes property according to the terms of the trust document.

2 Grantor (GRT) – The individual(s) who created the trust. Grantors may also be referred to as the settlor or trustor. Grantors may also serve as the trustee(s) of the trust.

3 Trustee & Grantor – Irrevocable trust (TRG) – Individual grantor(s) of an irrevocable trust also serving as trustee(s).

4 Personal Trust account balances are the current account balance as of close of the prior day for eligible trust account types that are held for your benefit: IRAs, Agency accounts, Revocable Trust accounts and Custody accounts.

5 For U.S. Bancorp Investments: Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# 0E24641.

6 For U.S. Bancorp Advisors: Brokerage and investment advisory products and services are offered by U.S. Bancorp Advisors, LLC, an SEC-registered broker-dealer, investment adviser, member FINRA/SIPC, and subsidiary of U.S. Bancorp and affiliate of U.S. Bank National Association. Insurance products are offered by USBA Insurance Services, a dba of U.S. Bancorp Advisors, having a California domicile and principal place of business at 800 N. Brand Blvd., 16th Floor, Glendale, CA 91203. CA Insurance License #6011694. Products may not be available in all states.

Balance and interest information: You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

Deposit products offered by U.S. Bank National Association. Member FDIC

Important Consumer and Business Disclosures

Zelle®: To send money in minutes with Zelle®, you must have an eligible U.S. Bank account and have a mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Recipients must have an eligible bank account in the United States. Terms and conditions apply.

External Transfers: Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

Wire Transfers: Eligibility requirements and restrictions apply. Fees for wire transfers initiated in mobile and online banking will be displayed before confirmation. Please refer to the Digital Services Agreement for more information.

The mobile feature, U.S. Bank Smart Assistant™, requires downloading the latest version of the U.S. Bank Mobile App. Message and data rates may apply.

U.S. Bank ATMs: Some U.S. Bank ATMs have limited functionality. Please see the ATM and branch locator, at usbank.com/locations or in the U.S. Bank Mobile App, to view feature availability at U.S. Bank ATMs.

ATM Transaction Fee: U.S. Bank will assess this fee for each ATM transaction conducted at a Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

ATM Surcharge: Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

Variable rate account: Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information.

Please refer to the Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees. Please refer to the Business Pricing Information disclosure section titled “Other Service Fees” for a summary of ATM Transaction fees.

Important Business Disclosures

A minimum of $100 is required to open a U.S. Bank Business Silver Checking account. For a comprehensive list of account pricing, terms and policies, see the Business Pricing Information disclosure and Your Deposit Account Agreement.

Cash flow tool: Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

For additional information call 855-955-2760 or visit your local branch for a copy of the Business Pricing Information disclosure or Your Deposit Account Agreement.

U.S. Bank is not affiliated with ADP, MyCorporation, QuickBooks® or TransUnion and does not share data or any other information. U.S. Bank is not responsible for any activities you engage in on the ADP, MyCorporation, QuickBooks or TransUnion sites or services.

U.S. Bank is not affiliated with QuickBooks. QuickBooks is a registered trademark of its respective owner.

U.S. Bank is not affiliated with FreshBooks and does not share data or any other information. FreshBooks is a registered trademark of its respective owner. U.S. Bank is not responsible for any activities you engage in on the FreshBooks site or service.

Bill pay for business: Try Pro plan on us  Get your subscription fee  for Pro plan¹ reimbursed via a monthly statement credit for up to two (2) billing cycles².

Upgrading from Standard to Pro will take effect immediately with charges applied to your account statement on the third business day of each month.  At the end of the trial period, your Pro plan will automatically renew to a recurring plan of $15 a month. To avoid continued charges, you must cancel³ your Pro plan before the end of the second billing cycle.  For a comprehensive list of account pricing, terms and policies refer to the Digital Services Agreement, and Business Pricing Information brochure or Business Essentials Pricing Information brochure.    

  1. To qualify, you must have an existing U.S. Bank business checking account or money market account and be enrolled in online banking with business credentials. A limit of one on us trial period per business entity applies, totaling no more than two (2) months of fee reimbursements. 

  2. The monthly billing cycle begins on the first (1st) day of each month and concludes on the last day of the month. The monthly statement credit will appear in the monthly transactions of the deposit account statement as bill pay for business fee. Each statement credit is based on the subscription fees billed during the billing cycle following enrollment and is applicable only to fees and charges connected to bill pay for business.

  3. To cancel at any time, log in using your associated business online banking credentials and switch from the Pro to the Standard plan.  When switching from Pro to Standard, cancellation will be in effect immediately with no refunds issued. 

U.S. Bank does not guarantee products, services, or performance of its affiliates and third-party providers.  Information displayed via linking to external services is for informational purposes only and may not reflect your most recent transactions. U.S. Bank is not responsible for errors that may result from limitations in syncing compatibility.  

Business App Marketplace: ADP, Roll and Roll by ADP are trademarks of ADP, Inc.

Payments Insider: All solution features and specifications are subject to change without notice. The information presented is general in nature and may not fully to your specification situation.

To create a detailed invoice with items from your product catalog, add discounts or change customer information, go to your talech account. You can also change your tax settings in your talech account. For questions, view the talech invoicing FAQ.

Apple, the Apple Logo, Apple Pay, iPhone, Apple Watch and Touch ID are registered trademarks of Apple Inc.

Android, Google Play, Android Pay, and the Android Logo are trademarks of Google LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Equal Housing Lender. Deposit products are offered by U.S. Bank National Association. Member FDIC.