We look at your scheduled and expected transactions to forecast how your balance may change in the week ahead.

• Scheduled transactions are payments scheduled through U.S. Bank digital banking. These might be recurring or one-time payments. Examples: a recurring Zelle transfer, a bill payment, or a future-dated wire transfer.
• Expected transactions are payments that happen regularly from a biller or provider but aren’t scheduled ahead of time. Examples: electric bill, direct deposit paychecks, or streaming services.

Here’s an example of how it works.

The account has payroll checks deposited, a monthly cell phone bill, and there’s a daily charge at a coffee shop. Our balance forecast factors these in when predicting what the balance might be when the charges are presented to your account.