ACCOUNT ALERTS

• Balances and transactions that exceed a dollar amount you choose
• Available credit that falls below a specified dollar amount
• Payments and credits posted to your account
• Payments due or overdue
• AutoPay payments scheduled or processed
• Transactions with higher fraud risk, such as ATM cash withdrawals, international transactions, gas station purchases, and purchases made without a card present
• Declined transactions

• ATM cash withdrawals
• Transactions that exceed a dollar amount you choose
• International transactions
• Gas station purchases
• Purchases made without a card present
• Declined transactions

When you enroll in mobile and online banking from our desktop site, you’ll see a set of recommended alerts for each of your existing accounts. You can sign up for all alerts at the same time, or you can remove alerts that don’t interest you.

You can also sign up by doing the following:

In online banking:

1. From the Customer service menu, select My alerts and then choose the Account alerts tab.
2. Select an account and choose the Add alerts link to see all the available alerts for that account.

In the U.S. Bank Mobile App:

1. From the main menu, select Notifications. You’ll see all available notifications grouped by category as well as a Notifications history.
2. Select an alert type, then select the alert you want to receive and tap it to go to the detail screen for that alert.
3. Use the toggles on the screen to turn the alert on and choose the way you receive the alert (via text,¹ email or both) for alerts where this option is available.

You can choose a combination of up to three email or mobile destinations. Some account alerts require that at least one destination be an email address.

We send alerts at various times throughout the day. Some important alerts are delivered to you as soon as possible after a certain event (for example, a suspicious transaction or changed password). For additional questions, call 800-USBANKS (872-2657). For TDD services, please call 800-865-5065.

Yes, you can set up quiet time for your mobile device. Account alerts and other U.S. Bank messages that you’ve signed up for will not be received during your quiet time.

For your security when making changes to your profile information, you may be asked to confirm your identity by entering a confirmation code we text to you or answering an ID Shield question.

To set quiet time for your primary or alternate mobile number:

In online banking:

1. Select Profile & settings at the top right of the screen.
2. Under Contact Information on the My Profile page, select the Edit button next to the mobile number you'd like to update. This opens the Change Your Mobile Preferences page.
3. Make any changes you'd like on this page, then select Continue to proceed to the Quiet Time page.
4. Set a start time, end time and time zone for your quiet time and select Submit.

In the U.S. Bank Mobile App:

1. Open the main "hamburger" menu at the top left of the screen, then tap your name at the top of the list that appears.
2. Under Contact Information on the My Profile screen, select Phone numbers.
3. Tap Edit under Mobile Preferences for the mobile number you'd like to update. This opens the Change Your Mobile Preferences screen.
4. Make any changes you'd like on this screen, then select Continue.
5. Choose a start time, end time and time zone for your quiet time, then tap Submit.
   

Yes. You can get account alerts on wireless devices including mobile phones^.1

To change your email address or mobile number for your account alerts, go to My profile and add the new information to your profile. Then go to My alerts and select the new email address or mobile number as an alert destination.

If you’ve lost your mobile device, you should select a new alert destination for your account alerts. You can also temporarily turn off your account alerts while you’re updating your profile information. 

To temporarily turn off account alerts:

In online banking:

1. From the Customer service menu, select My alerts and then choose the Account alerts tab.
2. Choose Turn this alert off for each account alert using the lost mobile number as a destination.
3. When you've updated your profile information, select Turn this alert on to reactivate each alert.
   

In the U.S. Bank Mobile App:

1. From the main menu, select Notifications and then select Accounts.
2. Select an account. You'll see a list of all available notifications for that account.
3. Tap into each alert and ensure the Allow notification toggle at the top of the screen is set to the "off" position.
4. When you've updated your profile information, slide the toggles back to the "on" position to reactivate each alert.

To select a new alert destination for your account alerts:

In online banking:

1. From the Customer service menu, select My alerts and then choose the Account alerts tab.
2. Note which alerts are being sent to the lost mobile number. Choose Edit and select a new alert destination for those alerts.
3. If you don't see an alternate email address or mobile phone number in the list of alert destinations, go to My profile (under the Customer Service menu) to add another email address or mobile number.
4. Return to Account alerts and assign the new alert destination to any account alerts that had the old mobile number as a destination.

In the U.S. Bank Mobile App:

1. From the main menu, select Notifications and then select Accounts.
2. Choose an account and note which alerts are being sent to the lost mobile number. Select a new alert destination for those alerts.
3. If you don't see an alternate email address or mobile phone number in the list of alert destinations, tap the gear icon next to your name in the main menu to go to My profile and add another email address or mobile number.
4. Return to Notifications and assign the new alert destination to any account alerts that were previously being sent to the lost mobile number.

To edit an account alert:

In online banking:

1. From the Customer service menu, choose My alerts and select the Account alerts tab.
2. Select the applicable account, find the alert you want to change and select Edit.
3. On the Edit Account Alert page, you can change the way you receive each alert (via text,¹ email or both) for alerts where this option is available, or turn the alert on or off.
4. After making your changes, select Save.

In the U.S. Bank Mobile App:

1. From the main menu, select Notifications, then select Accounts..
2. Select the applicable account, find the alert you want to change and tap it to go to the detail screen for that alert.
3. Use the toggles on the screen to turn the alert on or off and/or change the way you receive the alert (via text,¹ email or both) for alerts where this option is available.

To delete your account alerts:

1. From the Customer service menu in online banking, choose My alerts and select the Account alerts tab.
2. Select the applicable account, find the alert you want to cancel and choose Delete.

Please note: E-statement account alerts are required for receiving e-statements only and can’t be turned off or deleted. To unenroll for e-statements only and turn off or delete the e-statement account alert, call 800-USBANKS (872-2657).

Troubleshooting tips:

• Make sure your email addresses and mobile numbers are correctly entered in your U.S. Bank profile under My profile.
• Check to see if account alerts are being sent to a bulk or spam folder in your email inbox. To ensure that you receive account alerts in your inbox, add us to your address book (alerts@cs.usbank-email.com).

If you continue to have problems, call 800-USBANKS (872-2657).

Your available balance shows the funds in your account that are immediately available for purchases or withdrawal. Items not reflected in your available balance include, but are not limited to:

• Checks you wrote that have not been cashed
• Authorized automatic withdrawals (like your monthly gym membership or car payment)
• Future payments scheduled through online bill pay
• Debit card authorizations that no longer appear as pending transactions due to merchant delay
• Funds held from deposit(s)

It’s important to keep track of transactions that haven't been paid yet when trying not to overdraft. 

For more details, review Your Deposit Account Agreement.