Mobile and online banking customer service | Be in the know | U.S. Bank (2024)

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. SelectGet login help below the Log In button.
2. SelectI don't know my usernamelisted under Username/Personal ID.
3. Choose yourPhoneorEmailto 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 into complete login, or selectReset password,to choose a new password.
6. If you selectedReset Password,you will now be prompted to select a new password. No additional verification is required.

To reset your password:

1. SelectGet login help below the Log in button.
2. Type in your username and selectContinue.
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 helpon the login page.
2. Enter yourphone numberand the last4 digits of your Social Security numberthen selectContinue.
3. We will send a One-time passcode to the number provided. Enter it and selectContinue.
4. Next, your username will be displayed. Select Log into complete login, or selectReset password,to choose a new password.
5. If you selectedReset 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 selectLog into 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 activityfrom the "Notifications" menu on the left.
4. Choosethe 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 thechevron(>) to the left of the alert name to expand the details.
6. Use thetoggle buttonsto 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 chooseNotifications, then selectAccount activity.
2. Choosethe 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 thechevron(>) to the right of the alert name to expand the details.
4. Use thetoggle buttonsto 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 sitefor 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.

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

Start by selecting Customer service from the Dashboard, then choose My profile.Select Edit personal details. Follow the steps below, based on what needs to be changed.

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.

More information

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 ourSmart Assistantpage.

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® 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'seasy 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 ourZelle® paymentsandZelle® for your businesspages.

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 theZelle 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 theFromaccount.
   
   • 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. SelectReview to continue to the Review & send page.
5. If everything is correct,selectSend or selectSchedule 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

• 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 likegroup 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.
   • If the person is already in your list of recipients, select the check box next to their name.
   • If the person is not on your list of recipients, select Add a recipient. See also: How do I add, edit or remove a recipient in Zelle?.
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.

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 selectManage Recipients from the "Actions" menu on the right side of the page and follow the applicable steps below.

To add a recipient

To change a recipient's information

To remove a recipient

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

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

To add a recipient

To change a recipient's information

To remove a recipient

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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. ChooseAdd billat 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. SelectPay bills & transferat the bottom of the account dashboard then selectPay a bill.
2. SelectAdd billat 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 ourDigital Banking Simulatorspage.If you'd like a step-by-step tutorial on how to use a specific service or feature, check out ourDigital Explorerpage.

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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. Locate thebillto pay and enter anamount.
3. Choose thedateto pay and select theaccountto 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, selectReview & payto complete the transaction.

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

1. SelectPay bills & transferat the bottom of the screen, then selectPay a bill.
2. Choose thebillyou wish to pay then selectPay.
3. Enter theamount, paymentdate, and choosetheaccountto pay from, then selectPayto 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 ourDigital Banking Simulatorspage.If you'd like a step-by-step tutorial on how to use a specific service or feature, check out ourDigital Explorerpage.

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. ChooseTransfer & payfrom the top of the page, then selectPay bills.
2. Locate and select the desired biller from the list.
3. SelectAutopay set up nowin the biller details located on the right.
4. Provide theamount, choose thefrequency, and thestart date. Then select the account to pay from and chooseStart autopay.

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

1. SelectPay bills & transfer,then selectPay a bill.
2. Locate and select the desired biller from the list, then chooseAutopay Set up now.
3. Provide theamount, choose thefrequency, and thestart date. Then select the account to pay from and chooseStart 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 ourDigital Banking Simulatorspage.If you'd like a step-by-step tutorial on how to use a specific service or feature, check out ourDigital Explorerpage.

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: SelectPay bills & transfer, then choosePay a bill.
2. Choose the biller to display the details.
   • To view your bill payments: Select theActivitytab. There you'll find any scheduled or paid bills.
   • To edit a bill payment: Select the desired payment in the "Upcoming payments" section. Makeyour changes and selectSave.
   • To cancel a bill payment: Select the desired payment in the "Upcoming payments section".ChooseRemove this paymentat the bottom of the page, thenYes, remove payment.

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

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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. Find the biller whose automatic payment you want to cancel or edit and select it.
3. SelectAutopay. 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 selectSave.
   • To cancel:SelectRemove autopay, thenselectSave.

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

1. SelectPay bills & transferat the bottom ofthe dashboard, thenPay a bill.
2. Find the biller whose automatic payment you want to cancel or edit, and select it.
3. SelectAutopay. 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 selectSave.
   • To cancel:SelectRemove autopay, thenselectSave.

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

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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. Next to the biller that you'd like to pay, select thecalendar icon.
3. If expedited or same-day delivery is available for that biller, you'll seeExpedited payment ($14.95)in blue.
4. ChooseExpedited payment ($14.95)then confirm this option by selectingAdd expedited delivery ($14.95).
   • For overnight checks review and edit the paymentaddress, if needed.
5. Enter the remaining payment details then selectReview and paythenPay now.

How to send expedited payments using theU.S. Bank Mobile App

1. SelectPay bills & transferat the bottom ofthe accountdashboard. In the pop-up, selectPay a bill.
2. Select the biller in which you wish to make a payment, then choosePayat the bottom of the screen.
3. If expedited or same-day delivery is available for that biller, you'll seeExpedited payment ($14.95)in blue below the calendar.
4. ChooseExpedited payment ($14.95)then confirm this option by selectingAdd expedited delivery ($14.95).
   • For overnight checks review and edit the paymentaddress, if needed.
5. SelectSaveto confirm the payment date, then enter the remaining details for your payment.
6. Review the details of your payment and selectPayto 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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. Locate and select the biller and then chooseDigital 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. SelectStart digital bills.

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

1. SelectPay bills & transfer, then selectPay a bill.
2. Locate and select the biller and then chooseDigital 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. SelectStart 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 toSet up digital billshere.

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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. SelectSet up groupsat the top of your bills listed; enter a group name, add the bills you'd like and chooseSave.

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

1. From the dashboard, selectPay bills & transfer, then chosePay a bill.
2. SelectCreate groups; enter a group name, add the bills you'd like and chooseSave.

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

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. SelectTransfer & payfrom the top of the page, then selectPay bills.
2. Locate and select the desired biller from the list.
3. Select thepencil iconnext to the biller's name, in the upper right corner.
4. ChooseDelete this billat the bottom of the page.

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

1. SelectPay bills & transferat the bottom of the account dashboard, thenPay a bill.
2. Locate and select the desired biller from the list.
3. Select thepencil iconnext to the biller's name, in the upper right corner.
4. ChooseDelete this bill at the bottom of the page.

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. SelectDeposit at the bottom of your dashboard, then chooseDeposit 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 endorsem*nt 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 notefield.
   
   • 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 depositsto 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:

• 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

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 & transferfrom 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 & payat the top of the page, chooseExternal transfers, wires & ACH, then selectTransfer money.
   Mobile banking:SelectPay bills & transfer at the bottom of the dashboard. Choose External transfers, wires & ACHand selectTransfer 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.