KNOWLEDGE BASE
When will the funds be available on my credit card after I make a payment?
Review the charts below for our cutoff times and when your funds will be available. These times will vary depending on if the payment is made from an account with U.S. Bank or not.
Payments made from U.S. Bank accounts:
| Payment Method | Due Date Falls On | Cut Off Time | Funds Available |
| Digital banking | Business day | 6 p.m. local time* | Next business day |
| Non-business day | 8 p.m. CT | Two business days | |
| Phone (with Cardmember Service) |
Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two business days | |
| Phone (with 24-Hour Banking) |
Business day | 6 p.m. local time* | Next business day |
| Non-business day | 8 p.m. CT | Two business days | |
| Branch (with a teller) |
Business and non-business days |
Branch closing time** |
One to two business days |
Payments made from Non-U.S. Bank accounts:
| Payments Made Through | Due Date Falls On | Cut Off Time | Funds Available |
| Digital banking | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two business days | |
| Phone (with Cardmember Service) |
Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two business days | |
| Branch (with at teller) |
Business and non-business days | Branch closing time** (varies by location) |
One to two business days |
More information
- Typically, you'll be able to use the funds one to two (1-2) business days after you make your payment.
- If your funds aren't available as expected, please call us and we'll review your account. Give us a call at the number on the back of your card, or at 800-285-8585. We accept relay calls
*Local time refers to the time zone in which the payment account was opened.
**Branch closing times vary by location. Please contact your local branch for hours of operation or visit us online at usbank.com/locations for locations and hours.