Home loans customer service

You can make a payment through mobile or online banking using any checking account opened within the United States. Please note, if you'd like to pay using a checking account that's not on file, you'll need to add it to digital banking first. Review the steps in the "Add a payment account" section below to find out how.

If you have multiple accounts with U.S. Bank, follow these steps.

1. Select Transfer & pay, then choose Pay bills.
   Mobile users only: Select Pay bills & transfer, then choose Pay a bill.
2. Locate your mortgage account and select an amount to pay. You can choose one or more of the following items:
   • Mortgage payment (i.e., monthly amount due).
   • Additional amount towards the principal balance.
   • Additional escrow amount.
3. Use the drop-down menu to choose which account* you'd like to pay from.
4. Change the payment date, if desired.
5. When ready, select Review & pay to submit the payment.

If you only have a mortgage with U.S. Bank, follow these steps.

1. Select your mortgage account from the dashboard and choose View, pay & manage.
2. Choose Payment at the top of the page.
   Mobile users only: Open the main menu first (three vertical dots), then choose "Payment".
3. Choose to pay the Monthly payment or Other payment. Options include paying an additional amount towards your principal balance or escrow account.
4. Use the drop-down menu to choose which account* you'd like to pay from.
5. Change the payment date, if desired.
6. When ready, select Submit payment.

*Add a payment account.

Here's how to add a checking account that's not on file with U.S. Bank.

1. Select your mortgage account from the dashboard.
   • If you have multiple U.S. Bank accounts, choose View and manage.
   • If you only have a mortgage, choose View, pay & manage.
2. Choose Payment at the top of the page.
   Mobile users: Open the main menu first (three vertical dots), then choose "Payment".
3. Locate the "Payment methods" section and choose Add account.
4. Enter your payment information and select Save.

Additional information about mortgage payments.

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 view the payoff for your mortgage using online banking

1. Select your mortgage account, then select Request payoff quote. 
2. Choose the day you'd like the payoff through, then select Request payoff quote. 
   Note: The payoff quote is valid only through the date selected. 
3. Choose how you'd like to receive the quote. Options are found below the payoff details. 

• • Text, email, or download: The quote can be sent by text, emailed to one or two email addresses or it can be downloaded as a PDF file. This gives you the flexibility to print it, send it to another number or address, and save it for your records. 
  • Mail or fax: We can send you a paper version of the payoff quote. Just let us know where to send it. Estimated mail delivery is five to seven days and it's sent to the mailing address on file. To ensure your fax request gets to you, please check your fax machine to see if it's on, has paper and ink, and is connected to the land line or applicable network. In the event the first fax attempt is unsuccessful, we'll make two additional attempts to send your quote.

Additional information

• Instructions to submit payment using wire transfer or check are included in the letter. 
• The payoff quote includes all calculated interest up to the date selected. 
• If you'd like to fax a payoff request to us, send it to 800-200-8772. Please include your name, account number, address, and the return fax number for us to reply to. 
• To learn more, visit our After Mortgage Payoff page. We have a great video about what to expect, along with information about what to do after the payoff. 

We make managing your mortgage account easier than ever. Log into digital banking whenever it’s convenient for you. Here, you can:

• Make a payment, enroll in automatic payments and view details about your loan balance and home value.
• Access resources to get estimates on how much you could save if you paid an additional amount towards your loan.
• View your loan balance, payment history, amortization schedule, and escrow information (property tax and insurance).
• View estimated home value trends and sale history of your home if public records are available.
• Learn basic mortgage terminology and how to manage your loan long-term.
• Use resources to estimate how changing your loan payment can impact your payoff date, payoff amount or build equity.

If you have any questions, please call us at 800-365-7772. We're open Monday through Friday from 7 a.m. to 8 p.m. CT, and Saturday from 8 a.m. to 2 p.m. CT. We accept relay calls.

Manage my mortgage 

Visit our U.S. Bank Real Estate Owned (REO) Properties page to view our FAQs. If you're having trouble with your mortgage payment, visit our Mortgage Assistance page.

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.

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

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

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

1. From the dashboard, select Transfer & pay, then choose Pay bills.
2. Select the credit account you'd like to pay. 
3. Select the payment amount to customize your payment amount, delivery date, and account you'd like to pay from. 
4. 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.

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

1.  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.
2. 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).
3. Optional: We encourage you to review the terms of service before starting autopay. 
4. 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.
5. 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

1. Select Transfer & pay at the bottom of the dashboard, then choose Pay bills.
2. Choose the account you want automatically paid and then choose Autopay set up now
3. Optional: We encourage you to review the terms of service before starting autopay. 
4. 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.
5. 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.

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 transfer money using online banking 

1. Select Transfer & pay, External transfers & wires, then choose Transfer money.
2. Choose which account you'd like to transfer money from and to. 
3. 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.
4. Review your transfer details and if everything is correct, select Send transfer. 

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

1. Select Transfer & pay at the bottom of the dashboard, then Make an internal transfer.
2. Choose which accounts you'd like to transfer from and to.
3. 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.
4. Review the details of your transfer, select Transfer to confirm.

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 recommend contacting our Military Service Center for questions about SCRA benefits and requests. We can help you understand your rights and answer your questions related to SCRA benefits. Contact us at:

Phone (in the U.S.): 800-934-9555
Phone (international collect): 513-277-5899
Email: 24hrmilitaryservicecenter.shared@usbank.com
Hours of Operation: Monday through Friday from 7 a.m. to midnight ET (i.e., 6 a.m. to 11 p.m. CT)
By mail:
U.S. Bank Military Service Center
5065 Wooster Pike
Cincinnati, OH 45226 

To learn more, visit our Servicemembers Civil Relief Act and Things to know about the Servicemembers Civil Relief Act pages. 

We're proud to offer military checking benefits, VA home loans and more to support military service members, veterans and families of veterans.

Learn more about our military banking programs. You can also contact our Military Service Center where we can assist you with many of your financial needs.