Mobile and online banking setup

Don’t worry if you forgot your username or password. We can help you find out what your username is without logging in. As for your password, we don’t make that available to see. But you can change it to a new one to access digital banking.

To obtain your username and reset your password using usbank.com

Navigate to usbank.com. Then select Forgot username or password (found below Use passkey in the Account Login section).

If you know your username, but forgot your password:

  1. Enter your username, then select Continue.
  2. Enter the last four digits of your SSN, then select Continue.
  3. Enter the one-time passcode sent. Then select Continue. 
    See also: What is a one-time passcode?
  4. Create a new password and re-enter it. Then select Update Password.

If you don’t know your username and password:

  1. Choose I don’t know my username (found below the Username field). Then select Continue.
  2. Choose how you’d like us to look up your information, by phone or email. Then select Continue.
    • Phone: Enter your mobile phone number on file and choose Continue.
    • Email: Enter the email address on file then select Continue.
  3. Provide the last four digits of your SSN. Then choose Continue.
  4. Enter the one-time passcode sent. Then select Continue. 
    See also: What is a one-time passcode?
  5. Your username will be provided to you on the page. You can select Login if you know your password.
  6. If you don’t know your password, choose Reset Password. 
    Note: You’ll be asked to verify your information again.
    1. Enter the last four digits of your SSN. Then select Continue.
    2. Enter the one-time passcode sent. Then choose Continue.
  7. Create a new password and re-enter it. Then select Update Password. 

To obtain your username and reset your password using the U.S. Bank Mobile App

  1. Open the U.S. Bank Mobile App.
  2. Select Get Login help (found below Create a username and password).
  3. Enter the mobile phone number we have on file and the last four digits of your SSN. Then select Continue.
  4. We’ll explain we’re sending a code to your mobile device to keep your information secure. Select Continue. 
    See also: What is a one-time passcode?
  5. Enter the one-time passcode sent. Then select Continue.
  6. Your username will be provided to you on the screen. You can select Login if you know your password.
  7. If you don’t know your password, select Reset password.
  8. Create a new password and re-enter it. Then select Update password.

More information

  • If you have changed your phone number within the last three days, you will need to call 877-202-0043 for help. We accept relay calls.
  • If you don't have a Social Security number or Taxpayer Identification Number (TIN), call us to speak with an agent.

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.

You can manage your alerts anytime using digital banking. Please note, if you have multiple accounts, you'll need to repeat these steps for each one.   

To add or remove account alerts using online banking

  1. From your dashboard, select Profile & settings, then choose Alerts & notifications. 
  2. Select Account activity from the Notifications menu on the left.  
  3. If you have more than one account, choose the one you'd like to manage using the drop-down menu at the top of the screen. 
  4. Select Quick setup or All settings and choose the alert you'd like to manage. 
  5. Use the toggle buttons to turn alerts on or off.   

To add or remove account alerts using the U.S. Bank Mobile App

  1. Open the main menu and choose Notifications, then select Account activity. 
  2. If you have more than one account, choose the one you'd like to manage using the drop-down menu at the top of the screen. 
  3. Select the chevron to the right of the alert name. 
  4. Use the toggle buttons to turn the alert on or off. 

More information

You can choose a combination of up to three email or mobile phone numbers to receive alerts at. Some alerts also require an email address.  

For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

If you reply STOP to a text alert, you may receive the following text message: 

  • To stop only these notifications (e.g., account alerts), reply THESE.
  • To stop all texts and automated calls (including account, security and fraud alerts) from U.S. Bank, reply ALL. 

If you don’t respond within 24 hours, we will stop all texts and automated calls (including account, security and fraud alerts). 

The following types of accounts can only manage alerts using online banking and can’t be managed using the U.S. Bank Mobile App 

  • U.S. Bancorp Advisors account
  • Trust, Agency, Custody, or IRA accounts with Ascent Private Capital Management
  • U.S. Bank Private Wealth Management or U. S. Bank Wealth Management  

Please note that they also need to have the same alert destinations if you’ve gone paperless.

You can update your address at any time in your digital banking.

To change your phone number or email address in your digital banking you need to be a customer for at least 30 days.

If you need to update your phone number or email address within your first 30 days with us, give us a call at 800-USBANKS (872-2657). We accept relay calls.

To change your information using digital banking

Note: You’ll need your mobile device available to receive a one-time passcode as part of our authentication process.

  1. Select Profile & settings, then choose Personal details. Please note, mobile app users need to open the main menu first, then select Profile & settings.
  2. Follow the steps below, based on what needs to be changed.

What’s changing

How to change

Notes

Phone number
  1. Select Edit beside the phone number you’d like to change. You have the option to select Add phone number to add a new one.
  2. Enter your new mobile number and select Save.
  3. If you want to receive security, branch & banking service alerts (including one-time passcodes) mark the check boxes in the desired category.
  4. If you don’t want to receive text alerts or do not want to be reached by automated methods, unmark the applicable check boxes. This means you don’t want us to use automated methods to reach you. We will attempt to notify you another way. Unmarking these checkboxes may impact your ability to receive alerts and one-time passcodes.
  • You can update your primary number but it can’t be removed entirely.
  • Additional numbers such as your home phone, work phone or other phone number listed can be changed and/or removed.
  • If you don't have access to your former number, or need to remove an alternate phone number, give us a call at 800-USBANKS (872-2657). We accept relay calls.
  • International phone numbers aren't accepted using digital banking. 

Email address
  1. Select Edit beside the email address you’d like to change.
  2. Enter your new email address and select Save.
  3. Online banking users: If you don’t want to receive marketing communications, unmark the applicable check box. 

Mobile app users: If you don’t want to receive marketing communications, scroll down and mark the check box to unsubscribe. 
  •  Email addresses need to be in the following format: username@domain.com. Other accepted components include, but aren't limited to: ".org", ".net", ".gov".

Home or mailing address
  1. Select Edit next to the address you’d like to change.
  2. Enter your new address and select Save.
  3. Customize your individual account addresses if you want account specific items to go somewhere else (statements, refund checks, etc.).
  • Military and international addresses need to be managed by calling us.
  • For military addresses call 800-934-9555 | Collect at 513-277-5899
  • For all other international addresses call 800-USBANKS (872-2657) | Collect at 503-401-9991.
  • We accept relay calls.
  • Digital banking only accepts domestic addresses. 
  • See also: How do I contact customer service for U.S. Bank?  

More information

For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

Zelle®

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.1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.

 More information 

  • It's easy 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.
  • Terms and conditions apply, learn more by visiting our Zelle® Payments and Zelle® for your business pages. 

1For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

Zelle® is a great way to move money digitally. Enrolling only takes a few moments. 

To enroll in Zelle® using online banking and the U.S. Bank Mobile App

  1. Select Transfer & pay, then Send & request money with Zelle®.
  2. Choose Enroll  (online banking) or Get started (U.S. Bank Mobile App).
  3. Select or enter a mobile number or email address. Then select Continue. This is what you’ll use to send, request, or receive money.
  4. Choose the checking or savings account you want linked to your Zelle® profile, then select Continue.
    • Send money: The account chosen is set as the default account to send money from. If desired, you can manually change the account money is sent from when sending an individual transaction.
    • Request or receive money: The account chosen is where funds are deposited anytime you request or receive money.
  5. You’ll see a confirmation. Select Done to finish your enrollment. 

More information

  • The system deactivates your Zelle® profile after 18 months of inactivity. If this happens, you’ll  need to re-enroll again to use it. 
  • If you receive an email or text notification, you can use the link in the message to enroll.
  • To learn more, visit our Zelle® payments page.

When sending money, consider letting your recipient know to expect a notification when it’s sent.

To send money with Zelle® using online banking and the U.S. Bank Mobile App

  1. Select Transfer & pay, then choose Send & request money with Zelle®.
  2. Select Send money, then choose your recipient.
    • Select their email address, mobile number or Zelle® tag (business accounts only).
    • You can add a new recipient during this step if they're not on your list.
  3. Complete the form, then select Review. 
    • Enter an amount at or below your Send limits.
      See also: How much money can I send or request using Zelle®?
    • Optional: Add a memo.
    • Use the drop-down menu to select the checking or savings account to send money from.
    • Optional: Choose the date you’d like to send the funds on, if it’s later than today’s date.
    • Optional: Mark the check box/toggle for Repeat this payment if you want it to recur.
  4. If everything’s correct, select Send.

More information

We'll never ask you to send money to anyone, including yourself.
See also: Learn how to pay safely with Zelle®.  

  • Non-registered recipients:
    • Recipients need to register their mobile number or email address with Zelle®.
    • If the mobile number or email address isn't registered within 14 calendar days, the payment expires, and funds are returned to your account. 
    • 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.
    • We'll send the recipient a notification the funds that were sent. The notice includes instructions on how the recipient registers with their financial institution to claim the money. 
  • Registered recipients: No further action is needed 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. 

Splitting a bill with multiple people is easier than ever.1 It's a great way to share costs for things like group 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 Zelle® in digital banking

  1. Select Transfer & pay, then Send & request money with Zelle®. 
  2. Choose Split a bill. 
  3. Select the people you'd like to split the bill with, then select Continue/Next.
  4. Complete the "Split a bill" form and select Review.
    • 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.
    • Add a memo (optional).
    • 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.  
    • 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. 

More information

1In order to send payment requests or split payment requests to a United States mobile number, the mobile number must already be enrolled with Zelle®. Payment requests to persons not already enrolled with Zelle® must be sent to an email address.

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.

You can add a 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®?

You can easily manage your Zelle® recipients at any time.

To add, edit or remove a Zelle® recipient using digital banking

To get started, select Transfer & pay, then Send & request money with Zelle®. You'll select Manage recipients and then follow the applicable steps below.

To add a recipient

  1. Select Add new recipient *(to add a business recipient slide the toggle switch).
  2. Enter their first and last name, then enter their email or mobile number. 
  3. Select Add recipient. 

To change a recipient's information

  1. Select the recipient you'd like to update, then choose Edit recipient.
  2. Enter the recipient's new information.
  3. Select Save.

To remove a recipient

  1. Select the recipient you'd like to delete.
  2. Choose Edit, then select Delete recipient. 
  3. Online banking: Select Yes, delete. 
  4. U.S. Bank Mobile App: Select OK.

More information

Please note, if one of your recipients changed their banking information, you won't be able to edit it. They need to access their Zelle® profile to get it updated. Once they've updated it, funds will automatically be sent to their designated bank account. 

Bill pay

U.S. Bank bill pay is a digital service that lets you pay any person or business in the United States. You can send payments online instead of using paper checks. This saves time, money, and trips to the mailbox.

You can learn more by visiting our bill pay page. You can also try an interactive tutorial using these tools:

Adding your billers to your bill pay gives 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 to bill pay using digital banking

  1. Select Transfer & pay, then select Pay bills. 
  2. Choose Add bill towards the top. 
  3. Select if you’d like to search for the biller or manually add the biller. 
  4. To search for a biller, begin by typing in their name in the search field. 
    • Choose the biller’s name that matches your monthly statement. Enter your biller’s information, then select Continue to make your first payment. 
  5. To manually enter your biller, select Add manually. 
    • Choose if the biller is a company or a person.
    • Enter your biller’s information from your statement. The address will prefill as you type. If you don’t see the address or need to enter a PO Box, manually enter the address and continue to the next field.
    • Select Continue to make your first payment.

When you’re ready to use bill pay see also: How do I set up a bill pay payment?

More information

Safe Debit Accounts aren't eligible for recurring payments or expedited delivery. Only billers listed in our system that accept electronic payments can be paid. To learn more, see also: How do I know if my bill payment will be electronic or paper? 

 

Paying your bills is easy and convenient using digital banking. If you need to change a pending payment, see: How do I view, edit, or cancel bill payments? 

To pay a bill using online banking

  1. Select Transfer & pay, then choose Pay bills. 
  2. Locate the bill to pay, enter an amount, choose the date to pay and select the account to pay from. 
  3. Optional: Repeat steps 2 through 4 to pay additional bills. A total amount for the bills selected will display. 
  4. When ready, select Review & pay to complete the payment(s).

To pay a bill using the U.S. Bank Mobile App

  1. Select Transfer & pay and then select Pay bills. 
  2. Choose the bill you want to pay then select Pay. 
  3. Enter the amount, payment date, and choose the account to pay from, then select Pay now to complete the payment.  

To set up a new autopay, follow the steps below. If you need to change an autopay that’s already been set up, see also: How do I cancel or edit autopay for my bills?

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

  1. Choose Transfer & pay, then select Pay bills. 
  2. Locate and select the desired biller from the list, then choose Autopay set up now.
  3. Provide the amount, choose the frequency and the start date. Then select the account to pay from and choose Start 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 bills to schedule automatic payments based on your billing dates.  

If your bill pay 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. 

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?

To view, edit, or cancel a pending payment using online banking and the U.S. Bank Mobile App

  1. Select Transfer & pay, then choose Pay bills.
  2. Choose the biller.
  3. To view your bill payments: Select the Activity tab. There you'll find any scheduled, pending, or paid bills.
  4. To edit or cancel a bill payment: Select the pencil icon next to the desired payment.
    • Edit: Make your changes and select Save
    • Cancel: Select Remove this payment and confirm it once more.

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.

 

You can manage an individual monthly payment or the full set up. Please note, payments can’t be changed or cancelled if it’s less than three business days before the scheduled date.

To edit or cancel autopay the full autopay setup for a bill, follow the steps below. If you need to cancel individual payments, see also: How do I view, edit, or cancel bill payments?

To make changes to your autopay using online banking and the U.S. Bank Mobile App

  1. Select Transfer & pay, choose Pay bills, then select the Autopay tab. 
  2. Choose the biller whose automatic payment you want to cancel or edit.
  3. Select Manage autopay. 
    • To edit: Update the details, then select Save. 
    • To cancel: Select Remove autopay, then select Yes, remove my autopay.  

More information

  • When changing or cancelling your autopay, consider reviewing the current month’s payment.
    • If it’s pending, you can cancel it. If needed, you can make a new payment for that billing cycle.
    • If it’s in process or completed, the payment cannot be modified.
  • The next month's automatic payment amount is updated the day after the statement cycles.

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.

Paying your bills is convenient using digital banking. Sometimes, there's an option to send a payment sooner, known as an "expedited payment". If an expedited payment is available for the biller, you can choose that option during the payment process. If it's not, standard delivery will be the quickest option. 

Please note, there's usually a fee for expediting a payment. The fee amount will display when selecting this option.

If you need to change a pending payment, see: How do I view, edit, or cancel bill payments? 

To send an expedited payment using online banking 

  1. Select Transfer & pay, then select Pay bills. 
  2. Next to the biller that you'd like to pay, select the calendar icon.
  3. Choose Expedited payment, then confirm your choice by selecting Add expedited delivery. 
  4. Enter the amount, payment date, and choose the account to pay from.
  5. Optional: Repeat steps 2 through 4 to pay additional bills. A total amount for the bills selected will display. 
  6. Select Review and pay, then choose Pay now.

To send an expedited payment using the U.S. Bank Mobile App 

  1. Select Transfer & pay, then choose Pay bills.  
  2. Choose the bill you want, then select Pay. 
  3. Select the Deliver payment by date field. 
  4. Choose Add expedited delivery, confirm again by selecting Add expedited delivery, then select Save to confirm.
  5. Enter the amount, payment date, and choose the account to pay from, then select Pay now to complete the payment.  

Digital bills are electronic versions of your paper bills with other companies or billers. If your biller has them, the option to link them to your U.S. Bank profile will be available. See also: What are digital bills?

To receive a biller's digital bills using online banking and the U.S. Bank Mobile App

  1. Select Transfer & pay, then Pay bills. 
  2. Select the biller you'd like digital bills for.
  3. Choose Digital bills. 
  4. Provide us with the bill's account information. 
  5. Select Link bill.  

You can create groups to manage your billers. Before you can create a group, you’ll need at least five billers listed in your bill pay list. To make changes to an existing group, see: How do I edit or remove a group in bill pay?

Create a bill pay group using digital banking

  1. Online banking: Select Transfer & pay, then choose Pay bills. 
  2. Select Settings, then Create groups.
  3. Enter the group's name. Mark the checkbox next to the bills you'd like in this group, then select Save.
    U.S. Bank Mobile App: Select Transfer & pay, choose Pay bills and then select More.
    Note: If you already have an existing group, select Manage groups, then Create groups.

 

You can easily delete a biller from your list of bills. However, if the bill is a U.S. Bank account, it cannot be removed from the list. 

To delete a biller from the bill pay list using online banking and the U.S. Bank Mobile App

  1. Select Transfer & pay and then select Pay bills.
  2. Locate and select the desired biller from the list. 
  3. Select the pencil icon next to the biller's name.
  4. Choose Delete this bill, then select Delete to confirm the removal.  

Mobile check deposit

Mobile check deposit is U.S. Bank Mobile App feature that lets you deposit checks into your checking or savings account digitally. And there's no fee; all you need is a smart mobile device with a camera.

Update: We’re always looking for ways to enhance our digital services and are in the process of refreshing our mobile check deposit process. This change is rolling out over the next several months.

Depending on where we’re at with the process, your experience may be different. If you find the current steps aren’t lining up with what you see, try the steps for the new experience.

To deposit a check using the U.S. Bank Mobile App (current experience)

  1. Select Transfer & pay, then choose Deposit a check. 
  2. Select the account you'd like to deposit funds into, then enter the check amount. 
    Note: For U.S. Treasury checks, use the toggle button to avoid impacting your daily and weekly deposit limits. 
  3. Sign the check.
    • Turn the check over and clearly sign your name in the endorsement space.
    • Use black or blue ink for better visibility.
  4. Select the Front of check camera icon and take a picture of the front of the check.
  5. Select the Back of check camera icon and take a picture of the back of the check .
  6. Optional: Add a personal note.
  7. Review the details of your mobile deposit and select Deposit.  

To deposit a check using the U.S. Bank Mobile App (new experience)

  1. Select Transfer & pay, then choose Deposit a check.
  2. Choose the account you’d like to deposit funds into. We’ll tell you the maximum amount you can deposit today. Then, select Continue.
  3. Sign the check.
    • Turn the check over and clearly sign your name in the endorsement space.
    • Use black or blue ink for better visibility.
  4. Review our suggestions for taking a picture of your check. Then select Open camera.
  5. Take a picture of the front of the check.
    • Select Retake photo if you want to take the picture again.
      OR
    • Choose Continue if you’re satisfied with the photo.
  6. Take a picture of the back of the check.
    • Select Retake photo if you want to take the picture again.
      OR
    • Choose Review deposit if you’re satisfied with the photo.
  7. We’ll suggest some items to review. Select Review deposit again when ready.
  8. Optional: Add a personal note.
  9. Check to see if everything’s correct, then select Deposit check.
  10. Confirm once more by selecting Deposit check to complete the transaction.

More information

  • We recommend retaining all checks for at least seven business days after the deposit is made.
  • "Personal notes" are specific to your profile and can be referenced later by reviewing the deposit item in the U.S. Bank Mobile App. However, this information is not available for our bankers to review.
  • Mobile check deposit is only available on the U.S. Bank Mobile App. This service is not available on our full website.
  • Checks eligible for mobile check deposit include, but aren't limited to:
    • Personal, business and corporate checks.
    • Payable Through drafts.
    • Money orders and cashier's checks.
  • Checks not eligible for mobile check deposit:
    • U.S. Savings bonds.
    • Third party and substitute checks.
    • Drafts drawn on foreign banks or in foreign currency.
    • Drafts with MICR* printing.
      Example: Convenience checks drawn off credit products such as home equity lines of credit and credit cards.

To learn more, visit our Mobile check deposit page. 

*MICR stands for Magnetic Ink Character Recognition. The numbers on the bottom of the check are printed with magnetic ink. This way machines can read them reliably, even if the check has marks or stamps on it.

Internal & external transfers

You can make an internal transfer using digital banking whenever it's convenient for you. Transfer requests submitted on weekends, holidays, or after cutoff time, will be processed on the next business day. 

To transfer money using online banking

  1. Select Transfer & pay and choose Transfers.
  2. Choose which account to transfer funds from and which account to send them to, then select Continue.
  3. Complete the remainder of the form, then select Continue. 
    • Required: Enter the amount to transfer.
    • Optional:
      • Mark the checkbox for Repeat this transfer, if you want it to recur.
      • Change the date, if you want it to be sent on a future date.
      • Future dated transfers (recurring and individual) have the option to add a memo.
  4. Review the information. If correct, select Send transfer.

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

  1. Select Transfer & pay then choose Send transfer.
  2. Choose the account to transfer funds from and select Continue.
  3. Select the account to transfer funds to and select Continue.
  4. Complete the remainder of the form, then select Continue.
    • Required: Enter the amount to transfer.
    • Optional: 
      • Mark the checkbox for Repeat this transfer, if you want it to recur.
      • Change the date, if you want it to be sent on a future date.
      • Future dated transfers (recurring and individual) have the option to add a memo.
  5. Review the information. If correct, select Send transfer.

More information

  • Memos are not available for same-day transfers and have a limit of 35 characters.
  • Transactions remain in a pending status as long as the funds aren't sent immediately and it's before the cutoff time.
  • Transactions made on weekends, holidays or after midnight local time will be processed on the next business day.
  • The internal transfer cut-off times for the same business day are as follows:
    • Checking, savings and reserve lines: 12 a.m. local time*.
    • Checking or savings payments to a first mortgage: 4:30 p.m. CT.
    • Deposit Point: 9 p.m. CT.
    • All other accounts: 6 p.m. local time*.

*Local time refers to the location where the payment account was opened. For example, if the account was opened in St. Paul, MN, the cutoff is based on Central Time. This time zone applies even if your payment is made in California, which is in Pacific Time.

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.

With external transfer you can transfer money to or from your account with another bank.1 When this service, please keep in mind you'll need to be a signer on both accounts. Transfer requests submitted on weekends, holidays, or after cutoff time, will be processed on the next business day. 

The delivery speed will vary, depending on the receiving bank.2

  • Most transfers are completed within one to three business days.
  • Some banks allow instant transfers, which are completed in minutes.
  • Transfers are automatically sent by the fastest delivery method available.

To transfer money using online banking

  1. Select Transfer & pay and choose Transfers.
  2. Choose which account to transfer funds from and which account to send them to, then select Continue.
  3. Complete the remainder of the form, then select Continue. 
    • Required: Enter the amount to transfer.
    • Optional:
      • Mark the checkbox for Repeat this transfer.
      • Change the date.
      • Add a memo.
  4. Review the information. If correct, select Send transfer.

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

  1. Select Transfer & pay then choose Send transfer.
  2. Choose the account to transfer funds from and select Continue.
  3. Select the account to transfer funds to and select Continue.
  4. Complete the remainder of the form, then select Continue.
    • Required: Enter the amount to transfer.
    • Optional:
      • Change the date.
      • Add a memo.
  5. Review the information. If correct, select Send transfer.

More information

1Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

2Currently, you can only send transfers to financial institutions who are part of the U.S. instant payment network. If an instant transfer isn’t possible, you can still transfer money using the standard 1 to 3 business day (ACH) speed.

Instant payments

Pay bills in a flash. Or make instant transfers to your own external accounts. You’ll pay no fees to do either one.

The RTP network is a payments network that allows you to instantly send and receive funds, 24 hours a day, seven days a week. RTP transactions are real-time and immediate.

Request for payment

RfP is a feature that allows merchants or billers to send payment requests to you directly through mobile and online banking. You can view and respond to the payment request by approving or dismissing the request. If you approve, funds will be sent immediately via Real Time Payment to the biller.

No, there is no fee if you choose to pay your bill with RfP.

  • To get started, select RTP/RfP as the digital payment method and provide your bank account information to the biller.
  • At the time of enrollment, the biller will send you a notice to confirm your enrollment.
  • When your RfP bill is ready, the biller sends it to U.S. Bank.
  • You’ll receive an email from U.S. Bank and a notification in mobile and online banking with the biller’s name, amount to pay and due date.
  • You can pay instantly, schedule a payment or dismiss the request.
  • If you don’t respond to a RfP, it will remain on the dashboard until the expiration date and time set by the biller. Note: This may be different from the payment due date and time.

You can send instant payments 24 hours a day, seven days a week.

If your biller supports amount modification, you can pay partial or more than amount due.

Yes. Go directly to your biller dashboard and edit or cancel the payment where they have this digital payment option.

You will receive a payment confirmation message in U.S. Bank mobile or online banking as soon as the payment is received by the biller.

Instant external transfers

The new instant transfer option allows you to send money to your external bank account any time you want using the U.S. instant payment network. This action transfers your money immediately, so the funds will typically be available a few moments after you send it.

No, there is no fee for instant transfers to your external account.

Currently, you can only send transfers to financial institutions who are part of the U.S. instant payment network. If an instant transfer isn’t possible, you can still transfer money using the standard 1 to 3-day (ACH) speed.

  1.  From the online banking dashboard, select Transfers and then External transfers and wires. From the U.S. Bank Mobile App, select Pay bills & transfer and then External transfers and wires.
  2. Select Recipients & accounts.
  3. Select Link a new bank account.
  4. When asked, “How do you want to connect your account?”, select Share your account info.
  5. Follow the prompts to enter the information for your external account and complete verification.

Transfer limits apply to the amount you can send for each transaction and include all outstanding transfers. After linking your external account in mobile or online banking, you can view your external transfer limits on the External transfer screen by selecting View all dollar limits.

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