Personal loans and lines customer service

Find answers about personal loans and lines of credit.

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How do I check the status of my loan or line application?

Checking the status of your loan or line application is easy. You can choose one of the options below that is most convenient for you to get an update.

Log in to the Application Status page.
Call us at 877-625-5249.
Contact your local branch.

How do I access funds from my line of credit?

You can access your funds in multiple ways:

Use your Visa® Access Card
Use your Personal Line Access Checks
Use an ATM
Log in to online banking
Log in to the U.S. Bank Mobile App
Call 1-800-USBANKS (1-800-872-2657)
Visit a branch

You can make purchases with your card and checks, or you can transfer funds from your credit line into your checking or savings account.

Manage my loan or line of credit.

How do I make a payment to my credit card, loan, lease or line of credit?

Easily make a payment to your credit card, loan, lease or line of credit in your digital banking.

How to make a payment using online banking

Select Transfer & pay at the top of the page, then select Pay bills.
Choose the bill(s) you'd like to pay.
Select the payment date and amount for each bill you'd like to pay.
Choose the checking or savings account to pay from.
Select Review & pay, then Pay to confirm your payment.

How to make a payment using the U.S. Bank Mobile App

From the dashboard, select Transfer & pay, then choose Pay bills.
Select the credit account you'd like to pay.
Select the payment amount to customize your payment amount, delivery date, and account you'd like to pay from.
Select Pay now to confirm your 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.

How do I set up a recurring internal transfer?

To transfer money using online banking

Select Transfer & pay, External transfers & wires, then choose Transfer money.
Choose which account you'd like to transfer money from and to.
Enter the amount and select the date of your transfer (if it's other than today), then choose Send transfer.
Optional:
- To set up recurring payments, select the checkbox next to "Repeat this transfer". Choose the frequency and when to stop it.
- Add a memo.
Review your transfer details and if everything is correct, select Send transfer.

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

Select Transfer & pay at the bottom of the dashboard, then Make an internal transfer.
Choose which accounts you'd like to transfer from and to.
Enter the amount and select the date of your transfer (if it's other than today), then choose Transfer.
Optional: To set up recurring payments, use the toggle switch next to "Repeat this transfer". Choose the frequency and when to stop it.
Review the details of your transfer, select Transfer to confirm.

How do I sign up for consumer overdraft protection and manage it?

Consumer overdraft protection refers to transferring funds when transactions may cause the deposit account to have a negative balance. Before signing up, please be aware:

Overdraft protection requires the same owners to be on the checking account and the funding account(s).
You can link up to three eligible 1 funding accounts and choose which one transfers funds first, second, and third. If you don’t choose the order, funds are taken using the order in which the accounts were added.
Consider using checking or savings account as primary funding to avoid overdraft protection transfer fees.
Credit cards used for overdraft protection may be subject to additional charges. This includes interest charges that will accrue on the amounts advanced.

To sign up or manage your consumer overdraft protection using digital banking

Online banking: Select your checking account and choose Account services.
U.S. Bank Mobile App: Select your checking account and choose Manage at the top of the screen.

Select Overdraft resources, then choose Overdraft protection.
Use the drop-down menu to select the account you want covered.
Use the next drop-down menu to select the account funds will come from.
Choose the checking account you'd like to have covered.
Select Edit to choose the overdraft protection account(s), then select Save.

More information

A reserve line account must be closed to remove its link as an overdraft protection account.
If you have a credit account linked for overdraft protection, recent transactions may not be reflected in the available overdraft protection amount.
A credit card that is expired or hasn’t been activated is not valid for overdraft protection.
You can choose to have overdraft coverage and overdraft protection for the same account. Overdraft protection will be tried first. If there’s not enough funds available in the overdraft protection account, then standard overdraft coverage applies. See also:What's the difference between overdraft protection and overdraft coverage?
Refer to Your Deposit Account Agreement, section titled “Overdraft Protection Plans,” for more information.

1 Eligible accounts that can function as overdraft protection are listed below.

Savings and money market accounts.
Secondary personal checking accounts.
Personal credit cards.
Reserve, personal, or home equity lines of credit.

How do I set up autopay for my credit card, loan, lease or line of credit?

Setting up autopay is easier than ever. When you've gone through the process, we'll provide you a confirmation page to review. It'll tell you when the first payment starts, how much is being paid, and what date it'll be paid each month.

To set up autopay using online banking

Select Transfer & pay at the top of the page, then choose Pay bills.
- If you don't have a checking or savings account, you'll simply select Pay bills.
Choose the account you want automatically paid, by clicking on it, then choose Autopay set up now (found on the right side of the page).
Optional: We encourage you to review the terms of service before starting autopay.
Provide the following information.
- Pay this amount: Choose how much to pay.
  Options include minimum payment, statement balance, minimum payment with extra, or other amount.
- Send payments before or on due date: Choose when you'd like the payment to be delivered.
  This is considered the day the payment is made, also known as the transaction date.
- Pay from: Choose the account to pay from.
  If you're paying from an external account, you'll need to add it to your list of external payment accounts before setting up autopay.
Select Continue to review your autopay settings. If they look good, choose Start autopay.

To set up autopay using the U.S. Bank Mobile App

Select Transfer & pay at the bottom of the dashboard, then choose Pay bills.
Choose the account you want automatically paid and then choose Autopay set up now
Optional: We encourage you to review the terms of service before starting autopay.
Provide the following information.
- Amount to pay: Choose how much to pay.
  Options include minimum payment, statement balance, minimum payment with extra, or other amount.
- Make payments: Choose when you'd like the payment to be delivered.
  This is considered the day the payment is made, also known as the transaction date.
- Pay from: Choose the account to pay from.
  If you're paying from an external account, you'll need to add it to your list of external payment accounts before setting up autopay.
If everything looks good, choose Start autopay.

More information

If you've recently changed your due date, you'll need to wait until after the new due date to set up autopay.

How do I get a payoff on my loan or line of credit?

Get a payoff on your loan or line of credit whenever it's convenient for you.

How to get a payoff using digital banking

From your dashboard, choose the loan or line of credit you'd like the payoff for.
Online banking: Select Request a payoff quote from the "Shortcuts" menu on the right.
U.S. Bank Mobile App: Select Manage at the top of the screen, then choose Request payoff quote.
Enter a date within the next 30 days and choose Request payoff quote.
Your payoff quote will display. Choose to have it sent to you via email or download a PDF to save the quote.

Additional information

If the account you need doesn't appear, you can reach us at the applicable number below or visit your local U.S. Bank branch. We accept relay calls.

Home loans (i.e., mortgages): 800-365-7772.
All other loans and lines of credit: 800-USBANKS (872-2657).

To learn about what happens after paying off your auto loan, visit our Auto loan after payoff page.

How do I add or remove account alerts?

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

Choose the account you'd like to update from your dashboard then select the Account services tab.
From the Alerts & notifications section select Account alerts.
Select Account activity from the "Notifications" menu on the left.
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.
Select the chevron (>) to the left of the alert name to expand the details.
Use the toggle buttons to turn the alert on or off.
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

From the main menu choose Notifications, then select Account activity.
Select the account you'd like to update from the drop down at the top.
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.
Select the chevron (>) to the right of the alert name to expand the details.
Use the toggle buttons to turn the alert on or off.
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

You can choose a combination of up to three email or mobile destinations. There are a couple things to bear in mind when setting up alerts:

Some account alerts require at least one destination be an email address.
Trust, Agency, Custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U.S. Wealth Management (U.S. Bancorp Investments) needs the same alert destinations for all accounts with paperless statement delivery.

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.