Mobile and online banking setup

Did you forget your username and/or password? You can retrieve your username and reset your password in your digital banking. Here's how:

How to get login help in Online banking 

To find your username:

  1. Select Get login help below the Log In button.
  2. Select I don't know my username listed under Username/Personal ID. 
  3. Choose your Phone or Email to verify your account and select Continue.
  4. Verify the last 4 digits of your Social Security number, then select Continue. We will send you a six-digit verification code.
  5. Next, your username will be displayed. Select Log in to complete login, or select Reset password, to choose a new password. 
  6. If you selected Reset Password, you will now be prompted to select a new password. No additional verification is required.

To reset your password:

  1. Select Get login help below the Log in button.
  2. Type in your username and select Continue. 
  3. Provide the last 4 digits of your Social Security number and any other requested information.
  4. Choose your verification method.
  5. Once your verified, you'll be prompted to change your password.

How to get login help in the U.S. Bank Mobile App 

  1. Select Get login help on the login page.
  2. Enter your phone number and the last 4 digits of your Social Security number then select Continue.
  3. We will send a One-time passcode to the number provided. Enter it and select Continue.
  4. Next, your username will be displayed. Select Log in to complete login, or select Reset password, to choose a new password. 
  5. If you selected Reset Password, you will now be prompted to select a new password. No additional verification is required.
  6. You can then choose to set up face or fingerprint login if your device qualifies. Otherwise select Log in to return to the login page. 

More information

If you don't have a SSN/TIN enter zeros in place of numbers. Accounts that don't have a PIN will be prompted for a ZIP code.

If you have changed your phone number within the last three days, please call 877-202-0043 for help. We accept relay calls.

We know life gets busy and reminders about transactions can be helpful. Manage your alerts anytime using digital banking. 

How to add or remove account alerts using online banking

  1. Choose an account from your dashboard then select the Account services tab.
  2. From the Alerts & notifications section select Account alerts.
  3. Select Account activity from the "Notifications" menu on the left. 
  4. Choose the tab that works best for you.
    • Quick setup: recommend alerts based on the account type.
    • All settings: All available alerts for the specific account.
  5. Select the chevron (>) to the left of the alert name to expand the details.
  6. Use the toggle buttons to turn the alert on or off on.
  7. You'll need to repeat these steps for each account. Select a different account from the drop down in the top right corner.

How to add or remove account alerts using the U.S. Bank Mobile App

  1. From the main menu choose Notifications, then select Account activity.
  2. Choose the tab that works best for you.
    • Quick setup: recommend alerts based on the account type.
    • All settings: All available alerts for the specific account.
  3. Select the chevron (>) to the right of the alert name to expand the details.
  4. Use the toggle buttons to turn the alert on.
  5. You'll need to repeat these steps for each account. Select a different account from the drop down in the top of the screen.

More information

The option to set up or manage account alerts is only available on our full site for the following products:

  • U.S. Bancorp Investments accounts.
  • Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U. S. Bank Wealth Management.

 

You can update your profile anytime. Have your mobile device available to receive a one-time passcode as part of our authentication process.

To change your contact information using online banking

  1. Start by selecting Profile & settings then Manage profile & settings.
  2. Choose Edit personal details.

To change your contact information using the U.S. Bank Mobile App
Open the main menu (three horizontal bars), select the gear icon and choose Personal details. Follow the steps below, based on what needs to be changed.

Address
  1. Update physical address: Select Edit next to "Home address".
    Update mailing address: Select Edit next to "Customer mailing address".
  2. Enter your new address, then select Continue. We'll verify it with the United States Postal Service (USPS).
  3. When it's confirmed, select Save. 

Note: You'll need to update the physical and mailing addresses separately. Repeat these steps as needed.

Phone
  1. Enter the new phone, alternate, or mobile number.
  2. When ready, select Save.
Email
  1. Enter the new email address.
  2. When ready, select Save.

More information

Address changes
  • Military and international addresses need to be managed by calling us at 800-934-9555. We accept relay calls.
  • Digital banking only accepts domestic addresses. 
Phone changes
  • To change your mobile number, you'll need access to your former mobile number for our authentication process.
  • If you don't have access to your former number, or need to remove an alternate phone number, give us a call at 800-USBANKS (872-2657). We accept relay calls.
  • International phone numbers aren't accepted using digital banking.
Email changes
  • Email addresses need to be in the following format: username@domain.com.
    Other accepted components include, but aren't limited to: ".org", ".net", ".gov".
  • Changing the email address on your profile won't change where your account alerts are sent. You'll need to update those alerts separately. See also: How do I change where my alerts are sent?

 

Our Smart Assistant is a conversational and interactive virtual assistant (VA) for digital banking users. Smart Assistant can handle a range of requests, like answering simple questions or presenting interactive charts and graphics. 

To get started, open the Smart Assistant, and state a command or tell it what to do. You can also type your command or action. 

  • To use the U.S. Bank Smart Assistant in online banking, select the search field at the top of the page.
  • To use the U.S. Bank Smart Assistant in the U.S. Bank Mobile App, select the blue microphone at the top of the screen. 

Examples include, but aren't limited to:

  • Account Number: "What is my account and routing number?"
  • Credit Score: "What's my credit score?"
  • Pay bills: "Pay the statement balance on my credit card bill."
  • Transfer money: "Transfer $100 from my checking account to my savings."
  • Dispute: "Dispute a transaction."
  • APR: "What's the APR on my credit card?" (mobile only)

Learn more about how to quickly and easily complete everyday banking tasks by visiting our Smart Assistant page. 

Please be aware mobile-related commands or actions can only be performed with the Smart Assistant on the U.S. Bank Mobile App. As a result, some features may not be available within online banking.  

Zelle®

Zelle® is an easy and safe way to move money digitally, without the need to provide your bank account information. Instead, a person's email address or mobile phone number is used to send and receive money.

Additional information:

  • It's easy to identify a person is enrolled with Zelle®; they'll have a purple "Z" by their name when you send money.
  • Zelle® transactions carry the same security assurances as all of your other banking activities.
  • Learn more by visiting our Zelle® payments and Zelle® for your business pages.

Zelle is a great way to send and receive money digitally. Enrolling only takes a few moments. Here's how:

How to enroll for Zelle in online banking 

  1. Select Transfer & pay, then Send & request money with Zelle.
  2. Select near the bottom of the page Enroll to receive.
  3. Add or choose a mobile number or email address for people to use to send you money.
  4. Select the checking account that funds will be sent to, then select Continue. A confirmation will display, select Send or request money.

How to enroll for Zelle using the U.S. Bank Mobile App 

  1. Select the Zelle icon at the bottom of the account dashboard, then Get started.
  2. Add or choose your mobile number and/or email address, then Continue.
  3. Select the account where you'd like to receive your money and then Enroll.
  4. A confirmation will display, select Done to finish up. 

More information

  • A one-time passcode may be sent when enrolling and sending money with Zelle. See: What is a one-time passcode?
  • Zelle deactivates after 18 months of inactivity. You will need to re-enroll. 
  • If you get an error or have any issues, please go to usbank.com/Zelle for more information.
  • If you received a notification via email or text, you can also use the link provided in that notification to enroll.

We recommend you let your recipient know to expect a notification advising money was sent to them. We'll never ask you to send money to anyone, including yourself. See also: Learn how to pay safely with Zelle®.

To send money with Zelle using online banking

  1. Select Transfer & pay, then Send & request money with Zelle.
  2. Choose your recipient, then select their email address or mobile number. You can add a new recipient during this step if they're not on your list.
  3. Enter the Amount, Message (optional), Frequency, Send date, and select the From account. 
    • Send date: The date the funds are sent but may not be the date the funds are deposited, depending on the processing time.
    • Frequency: One time, Monthly, Weekly, Every 2 Weeks, and Yearly are available options.  
  4. Select Review to continue to the Review & send page. 
  5. If everything is correct, select Send or select Schedule if you chose a future or recurring option.

To send money with Zelle using the U.S. Bank Mobile App

  1. From your dashboard, select Send money at the bottom of the page, then Send money once more.
  2. Choose your recipient, then select their email address or mobile number. You can add a new recipient during this step if they're not on your list.
  3. Enter the Amount, add a Memo (optional), the Pay from account, the Send on date, and choose Repeat this payment if you'd like it to be recurring.
    • Send on date: The date the funds are sent but may not be the date the funds are deposited, depending on the processing time.
    • Repeat this payment: One time, Monthly, Weekly, Every 2 Weeks, and Yearly are available options.  
  4. Select Review and then Send on the next screen, if everything is correct.

More information

If you'd like to send an eCard to your recipient, just select Choose an eCard from the confirmation page.   

Messages/memos aren't required but are recommended. A personal note gives your contacts the confidence they're receiving funds from someone they know. It's also an opportunity for you to communicate the purpose of the transaction.

Recipients need to register their mobile number or email address with Zelle®. If the mobile number or email address isn't registered within 14 calendar days, the payment expires, and funds are returned to your account.

  • Non-registered recipients: We'll send the recipient a notification the funds were sent. The notice includes instructions on how the recipient registers with their financial institution, or directly with Zelle®, to claim the money. The notification is sent as a text if you sent the payment to their mobile number or as an email if you sent the payment to their email address. 
  • Registered recipients: They don't need to take any further action as long as their financial institution supports automatic deposit. If their financial institution doesn't support it, they'll need to manually accept the payment.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Splitting a bill with multiple people is easier than ever. It's a great way to share costs for things like group lunches, hotel stays, or fares. And you can split the bill with up to 10 people. All you need is:

  • To be enrolled with Zelle.
  • Have a U.S. Bank checking or savings account.
  • Have the Zelle registered phone number or email address of each person.

To split a bill using mobile or online banking

  1. Mobile banking users: From your dashboard, select Transfer & pay, then Send & request money with Zelle.
    Online banking users: From your dashboard, select Transfer & pay, then Send & request money with Zelle.
  2. Select Split a bill.
  3. Choose the people you'd like to split the bill with, then select Continue/Next.
  4. Complete the "Split a bill" form and select Review.
    1. Enter the total amount to split. This should include your portion of the bill. Don't worry, it won't be taken from your account. It's only used to calculate the other people's portion.
    2. Add a memo (optional).
    3. Allocate the amount you'd like request from each person.
      • To start, amounts are automatically calculated to split the total evenly between you and the others.
      • You can adjust those figures by selecting the dollar amount next to the person's name and enter a new amount.
      • Then the system will automatically adjust the rest of the figures to meet the total amount requested.
    4. Choose the U.S. Bank account you want the requested funds to go to.
  5. If everything is correct on the final review page, select Request.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

You can add memo or message to your Zelle® transaction to help your recipient know what the funds are for. Simply begin the process of sending funds and enter your memo or message below the "Amount" field. See also: How do I send money with Zelle? 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

 

To add, edit, or remove a Zelle recipient using online banking

To get started, select Transfer & pay, then Send & request money with Zelle. You'll select Manage Recipients from the "Actions" menu on the right side of the page and follow the applicable steps below.

To add a recipient

  1. Select Add new recipient.
  2. Enter their first and last name, then enter their email or mobile number. 
  3. Select Save.

To change a recipient's information

  1. Select the recipient you'd like to update, then choose Edit.
  2. Select the minus sign to the right of the outdated information, then enter the recipient's new information.
  3. Select Save.

To remove a recipient

  1. Select the recipient you'd like to delete.
  2. Choose Edit, then select Delete Recipient. 
  3. Select Save. 

To add, edit or remove a Zelle recipient using the U.S. Bank Mobile App

To get started, choose Send money at the bottom of the dashboard, then select Manage Recipients and follow the steps below to complete your desired action.

To add a recipient

  1. Select Add new recipient.
  2. Enter their first and last name, then enter their email or mobile number. 
  3. Select Save.

To change a recipient's information

  1. Select the recipient you'd like to update, then choose Edit.
  2. Select the minus sign to the right of the outdated information, then enter the recipient's new information.
  3. Select Save.

To remove a recipient

  1. Select the recipient you'd like to delete.
  2. Choose Edit, then select Delete Recipient. 
  3. Select Save.

More information

Please note, if one of your recipients changed their banking information, you won't be able to edit it. They need to access their Zelle® profile to get it updated. Once they've updated it, funds will automatically be sent to their designated bank account. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Bill pay

U.S. Bank bill pay is a digital service that allows you to make payments to any individual or business within the United States. Using our bill pay service, you can eliminate time and money spent on paper checks, stamps and trips to the mailbox. You can learn more about paying bills by visiting our Bill pay page.

Download the Online Banking demo
Pay a bill through mobile banking demo

Adding your billers to your bill pay allows you the convenience to pay all your bills in one place. We make it quick and easy to add a biller.

How to add a biller for bill pay using online banking

  1. Select Transfer & pay from the top of the page, then select Pay bills.
  2. Choose Add bill at the top right of the page next to your account balances. 
  3. You can search for a biller by name or manually enter the biller details.
  4. Enter your biller’s information, then select Continue to make your first payment.

How to add a biller for bill pay using the U.S. Bank Mobile App

  1. Select Pay bills & transfer at the bottom of the account dashboard then select Pay a bill. 
  2. Select Add bill at the top of the screen.
  3. You can search for a biller by name or manually enter the biller details.
  4. Enter your biller’s information, then select Continue to make your first payment.

More information

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

You can set up simple, one-time payments for bills you get occasionally, like auto repairs or babysitting.

How to set up a bill pay payment using online banking

  1. Select Transfer & pay from the top of the page, then select Pay bills. 
  2. Locate the bill to pay and enter an amount. 
  3. Choose the date to pay and select the account to pay from. 
  4. Repeat steps 2 through 4 to pay additional bills.
  5. At the bottom of the page, a total amount for the bills selected will display. When ready, select Review & pay to complete the transaction.

How to set up a bill pay payment using the U.S. Bank Mobile App

  1. Select Pay bills & transfer at the bottom of the screen, then select Pay a bill. 
  2. Choose the bill you wish to pay then select Pay. 
  3. Enter the amount, payment date, and choose the account to pay from, then select Pay to complete the transaction. (You will also be given the option to set as a default payment option.)

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Setting up autopay is a quick and easy way to help manage your billers. If you need to change your current autopay, see: How do I cancel or edit autopay set up through bill pay?

How to set up autopay using online banking

  1. Choose Transfer & pay from the top of the page, then select Pay bills.
  2. Locate and select the desired biller from the list.
  3. Select Autopay set up now in the biller details located on the right. 
  4. Provide the amount, choose the frequency, and the start date. Then select the account to pay from and choose Start autopay.

How to set up autopay using the U.S. Bank Mobile App

  1. Select Pay bills & transfer, then select Pay a bill.
  2. Locate and select the desired biller from the list, then choose Autopay Set up now.
  3. Provide the amount, choose the frequency, and the start date. Then select the account to pay from and choose Start autopay.

More information

Safe debit accounts default to the standard delivery payment date, which is the earliest date the electronic payment can be made. 

If you don't have digital bills for the biller, you'll only have the option to set up your own schedule. You can add e-bills to schedule automatic payments based on your billing dates. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Please be aware, this process only changes a pending payment, not the biller's information such as the name or address. To change a bill's information, see: How do I update my biller's information?

If the payment is pending, you can make changes to it using digital banking. If it's in process, or is a same-day payment, it can't be changed. 

To view, edit, or cancel a pending payment using digital banking

  1. Online banking: Select Transfer & pay from the top of the page, then select Pay bills.
    U.S. Bank Mobile App: Select Pay bills & transfer, then choose Pay a bill.
  2. Choose the biller to display the details.
    • To view your bill payments: Select the Activity tab. There you'll find any scheduled or paid bills.    
    • To edit a bill payment: Select the desired payment in the "Upcoming payments" section. Make your changes and select Save.
    • To cancel a bill payment: Select the desired payment in the "Upcoming payments section". Choose Remove this payment at the bottom of the page, then Yes, remove payment.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

 

Do you need to change your autopay amount or cancel it? Follow the steps below to make your changes to your bill pay.

If you need to cancel individual payments, see also: "How do I view, edit, or cancel bill payments?"

How to change autopay in bill pay using online banking

  1. Select Transfer & pay from the top of the page, then select Pay bills.
  2. Find the biller whose automatic payment you want to cancel or edit and select it.
  3. Select Autopay. From here, you can edit or cancel the automatic payment. Both options will provide a review and confirmation screen once the changes have been made.
    • To edit: Update the details, then select Save.
    • To cancel: Select Remove autopay, then select Save. 

How to autopay in bill pay using the U.S. Bank Mobile App

  1. Select Pay bills & transfer at the bottom of the dashboard, then Pay a bill.
  2. Find the biller whose automatic payment you want to cancel or edit, and select it.
  3. Select Autopay. From here, you can edit or cancel the automatic payment. Both options will provide a review and confirmation screen once the changes have been made.
    • To edit: Update the details, then select Save.
    • To cancel: Select Remove autopay, then select Save. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

We know there are times when you need a payment to arrive sooner than standard deliver. Many billers allow the option for expedited payment.  

How to send expedited payments using online banking 

  1. Select Transfer & pay from the top of the page, then select Pay bills.
  2. Next to the biller that you'd like to pay, select the calendar icon.
  3. If expedited or same-day delivery is available for that biller, you'll see Expedited payment ($14.95) in blue.
  4. Choose Expedited payment ($14.95) then confirm this option by selecting Add expedited delivery ($14.95).
    • For overnight checks review and edit the payment address, if needed.
  5. Enter the remaining payment details then select Review and pay then Pay now.

How to send expedited payments using the U.S. Bank Mobile App 

  1. Select Pay bills & transfer at the bottom of the account dashboard. In the pop-up, select Pay a bill. 
  2. Select the biller in which you wish to make a payment, then choose Pay at the bottom of the screen. 
  3. If expedited or same-day delivery is available for that biller, you'll see Expedited payment ($14.95) in blue below the calendar.
  4. Choose Expedited payment ($14.95) then confirm this option by selecting Add expedited delivery ($14.95).
    • For overnight checks review and edit the payment address, if needed.
  5. Select Save to confirm the payment date, then enter the remaining details for your payment. 
  6. Review the details of your payment and select Pay to send your payment.  

Some billers offer digital bills in place of paper bills. You can check to see if digital bills are available and enroll in your digital banking.

How to set up digital bills using online banking

  1. Select Transfer & pay from the top of the page, then select Pay bills.
  2. Locate and select the biller and then choose Digital bills Set up now. 
    • If you don't see Digital bills as an option, the biller is not eligible.
  3. You may be required to enter account information or agree to the biller's terms of use before the biller will deliver your bills electronically. 
  4. Select Start digital bills.

How to set up digital bills using the U.S. Bank Mobile App

  1. Select Pay bills & transfer, then select Pay a bill.
  2. Locate and select the biller and then choose Digital bills Set up now. 
    • If you don't see Digital bills as an option, the biller is not eligible.
  3. You may be required to enter account information or agree to the biller's terms of use before the biller will deliver your bills electronically. 
  4. Select Start digital bills.

More information

  • You may receive one to two more paper statements before your first digital bill arrives. 
  • You can also watch a demo of how to Set up digital bills here.

Within your bill pay you can create your own groups to help you manage your billers. To create a group, you’ll need at least five billers in your bill pay.

How to create a bill pay group using online banking

  1. Select Transfer & pay from the top of the page, then select Pay bills.
  2. Select Set up groups at the top of your bills listed; enter a group name, add the bills you'd like and choose Save.

How to create a bill pay group using the U.S Bank Mobile App

  1. From the dashboard, select Pay bills & transfer, then chose Pay a bill.
  2. Select Create groups; enter a group name, add the bills you'd like and choose Save.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

You can easily delete a biller from your bill pay list. You'll receive confirmation when the biller has been successfully deleted. Please be aware, if the bill is a U.S. Bank account, it cannot be removed from the list.

How to delete a biller for bill pay using online banking

  1. Select Transfer & pay from the top of the page, then select Pay bills.
  2. Locate and select the desired biller from the list. 
  3. Select the pencil icon next to the biller's name, in the upper right corner.
  4. Choose Delete this bill at the bottom of the page.

How to delete a biller for bill pay using the U.S. Bank Mobile App

  1. Select Pay bills & transfer at the bottom of the account dashboard, then Pay a bill.
  2. Locate and select the desired biller from the list. 
  3. Select the pencil icon next to the biller's name, in the upper right corner.
  4. Choose Delete this bill at the bottom of the page.

Mobile check deposit

Mobile check deposit is an exclusive feature in the U.S. Bank Mobile App that uses the camera on your phone to deposit checks into your U.S.  Bank deposit accounts. Checks eligible for mobile check deposit include consumer, business and corporate drafts, Payable Through drafts, money orders, cashier's checks and more. There is no fee to use this feature.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App. 

  1. Select Deposit at the bottom of your dashboard, then choose Deposit a check. 
  2. Select the account you'd like to deposit funds into, then enter the amount. For U.S. Treasury checks, press the toggle bar to avoid impacting your daily/weekly deposit limits. 
  3. Clearly sign your name in the endorsement space, on the back of the check. Use black or blue ink for better visibility.
  4. Take a picture of the front and back of the check. We require an image of both sides to process the deposit accurately. For best results, follow these tips:
    • Take the picture directly above the check while holding the camera still. 
    • Place your check on a dark background and have strong enough lighting to see all details.
    • Make sure all four corners show and the check is flat without folds or creases.
  5. Optional: Add a note to the transaction in the Personal note field.
    • Please avoid adding sensitive information such as: PINs, IDs, or passwords.
    • These notes are specific to your profile and can be made on all your deposits to reference later. This information is not added to our system of record.
  6. Review the details of your mobile deposit and select Deposit. We recommend to retain all checks for at least seven business days after the deposit is made. 

Additional information:

To learn more, try our Digital Explorer and our Deposit a check tutorial. This will show you how to choose your deposit account, find your deposit limits, and more. Mobile check deposit is supported by all devices that use iOS 13 or later and Android 7 or later operating systems.

The following type of checks are not eligible for mobile check deposit:

  • Items drawn on foreign banks or in foreign currency
  • Paper drafts with MICR printing, such as convenience checks drawn off credit products such as home equity lines of credit and credit cards.
  • U.S. Savings bonds and state-issued checks.
  • Third-party and substitute checks
  • Mobile check deposit page

Internal & external transfers

To transfer money using online banking

  1. Select Transfers from the top of the page, then Transfer money.
  2. Choose which account to transfer funds from and which account to send them to.
  3. Enter the amount to transfer, change the frequency (if applicable), and change the date (if applicable), then select Next.
  4. Review the information. If correct, select Send transfer.

To transfer money using the U.S. Bank Mobile App

  1. Select Pay bills & transfer from the bottom of the dashboard, then Transfer money.
  2. Choose which account to transfer funds from and which account to send them to.
  3. Enter the amount to transfer, change the frequency (if applicable), and change the date (if applicable), then select Transfer to complete it.

Additional information

Transfer requests submitted on weekends, holidays, or after cutoff time, will be processed on the next business day. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

When using external transfers, please keep in mind you will need to be a signer on both accounts. 

How to send an External Transfer using digital banking

  1. Online banking: Select Transfer & pay at the top of the page, choose External transfers, wires & ACH, then select Transfer money.
    Mobile banking: Select Pay bills & transfer at the bottom of the dashboard. Choose External transfers, wires & ACH and select Transfer money.
  2. Choose the U.S. Bank account you'd like the funds taken from, select the external account you'd like the money transferred to, and select Continue.
    Note: Select Link a new bank account if the external account you want isn't listed. 
  3. Complete the form.
    1. Enter the amount to transfer.
    2. Choose the delivery speed. (You now have the option to choose Instant pay!)
    3. Select the "send on" date (if applicable).
    4. Choose Review.
  4. Confirm the information is correct, then select Transfer money. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

Instant payments

Pay bills in a flash. Or make instant transfers to your own external accounts. You’ll pay no fees to do either one.

The RTP network is a payments network that allows you to instantly send and receive funds, 24 hours a day, seven days a week. RTP transactions are real-time and immediate.

Request for payment

RfP is a feature that allows merchants or billers to send payment requests to you directly through mobile and online banking. You can view and respond to the payment request by approving or dismissing the request. If you approve, funds will be sent immediately via Real Time Payment to the biller.

No, there is no fee if you choose to pay your bill with RfP.

  • To get started, select RTP/RfP as the digital payment method and provide your bank account information to the biller.
  • At the time of enrollment, the biller will send you a notice to confirm your enrollment.
  • When your RfP bill is ready, the biller sends it to U.S. Bank.
  • You’ll receive an email from U.S. Bank and a notification in mobile and online banking with the biller’s name, amount to pay and due date.
  • You can pay instantly, schedule a payment or dismiss the request.
  • If you don’t respond to a RfP, it will remain on the dashboard until the expiration date and time set by the biller. Note: This may be different from the payment due date and time.

You can send instant payments 24 hours a day, seven days a week.

If your biller supports amount modification, you can pay partial or more than amount due.

Yes. Go directly to your biller dashboard and edit or cancel the payment where they have this digital payment option.

You will receive a payment confirmation message in U.S. Bank mobile or online banking as soon as the payment is received by the biller.

Instant external transfers

The new instant transfer option allows you to send money to your external bank account any time you want using the U.S. instant payment network. This action transfers your money immediately, so the funds will typically be available a few moments after you send it.

No, there is no fee for instant transfers to your external account.

Currently, you can only send transfers to financial institutions who are part of the U.S. instant payment network. If an instant transfer isn’t possible, you can still transfer money using the standard 1 to 3-day (ACH) speed.

  1.  From the online banking dashboard, select Transfers and then External transfers and wires. From the U.S. Bank Mobile App, select Pay bills & transfer and then External transfers and wires.
  2. Select Recipients & accounts.
  3. Select Link a new bank account.
  4. When asked, “How do you want to connect your account?”, select Share your account info.
  5. Follow the prompts to enter the information for your external account and complete verification.

Transfer limits apply to the amount you can send for each transaction and include all outstanding transfers. After linking your external account in mobile or online banking, you can view your external transfer limits on the External transfer screen by selecting View all dollar limits.

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