Credit card customer service | Helping you navigate | U.S. Bank (2024)

If you'renotlogged into your U.S Bank account, please refer to the number or website listed on the front of your card to activate it.

To activate your credit card using digital banking

1. Select the card that needs activated.
2. Online banking: Choose Card controls, then select Activate card.
   U.S. Bank Mobile App: Choose Manage, then select Activate card.
3. Enter the card information and the last four digits of your SSN, then select Activate.

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.

The option to add your credit card to your digital wallet is only available on the U.S. Bank Mobile App. This option is not available on usbank.com.

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

Once you are logged into your account dashboard, select the Menu icon in the upper left of the page,then chooseManage cards.
Select thecard you would like to add, then chooseAdd to Digital wallets.

• If the card has not been added it will give you the option to "Add to digital wallet"
• If the card has already been added it will advise "Added"

We know life gets busy and reminders about transactions can be helpful. Manage your alerts anytime using digital banking.

How to add or remove account alerts using online banking

1. Choose an account from your dashboard then select the Account services tab.
2. From the Alerts & notifications section select Account alerts.
3. Select Account activityfrom the "Notifications" menu on the left.
4. Choosethe tab that works best for you.
   • Quick setup: recommend alerts based on the account type.
   • All settings: All available alerts for the specific account.
5. Select thechevron(>) to the left of the alert name to expand the details.
6. Use thetoggle buttonsto turn the alert on or off on.
7. You'll need to repeat these steps for each account. Select a different account from the drop down in the top right corner.

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

1. From the main menu chooseNotifications, then selectAccount activity.
2. Choosethe tab that works best for you.
   • Quick setup: recommend alerts based on the account type.
   • All settings: All available alerts for the specific account.
3. Select thechevron(>) to the right of the alert name to expand the details.
4. Use thetoggle buttonsto turn the alert on.
5. You'll need to repeat these steps for each account. Select a different account from the drop down in the top of the screen.

More information

You can choose a combination of up to three email or mobile destinations. There are a couple things to bear in mind when setting up alerts:

• Some account alerts require at least one destination be an email address.
• Trust, Agency, Custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U.S. Wealth Management (U.S. Bancorp Investments) needs the same alert destinations for all accounts with paperless statement delivery.

The option to set up or manage account alerts is only available on our full sitefor the following products:

• U.S. Bancorp Investments accounts.
• Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U. S. Bank Wealth Management.

To add an authorized user, the request needs to come from an account owner. Up to seven authorized users can be on the account at the same time. Authorized users must be at least 13 years of age. All that's needed to add them is their first and last name, date of birth, and Social Security number. Adding a middle initial is optional.

If you'd like to complete the process by phone or have any questions, please call us at the number on the back of your card or 800-285-8585. We accept relay calls.

To add an authorized user through digital banking, follow the steps below.

Add an authorized user in online banking

1. Select Accounts from the top of the page, then choose Manage cards. You may need to choose the applicable credit card if you have more than one.
2. Scroll down to the Control heading and select Add Authorized Users.
3. Fill out the authorized user form and select Save & continue.
4. Take a look at the information and if it's correct select Submit.

Add an authorized user in the U.S. Bank Mobile App

1. From the account dashboard, select the Menu in the upper left corner, then Manage cards. (Make sure to select the correct card if you have more than one.)
2. Select Add authorized users from the card controls menu.
3. Fill out the new authorized user form and select Save & continue.
4. Review the information, then select Submit.

Additional information

Please be aware of the following information:

• The card will be sent to the address we have on file.
• A credit report is not pulled when we process a request to add an authorized user.
• College, Secured, and Young Adult (co-signer) credit card accounts are not eligible to add authorized users.

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 & payat the top of the page, then choosePay 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 anexternal account, you'll need to add it to your list of external payment accounts before setting up autopay.
5. SelectContinueto review your autopay settings. If they look good, chooseStart autopay.

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

1. Select Pay bills & transferat the bottom of the dashboard, then choosePay a bill.
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 anexternal 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.

There are a couple ways to find out what kind of rewards program you have. Check out the rewards section of your billing statement or log in to digital banking.

If your rewards program is with U.S. Bank (such as Shopper Cash, Cash+, FlexPerks or Altitude), follow the steps below.

To redeem your rewards using digital banking

1. Online banking: Select your rewards card, then choose Go to rewards & benefits.
   U.S. Bank Mobile App: Select your rewards card, then choose the Rewardstab.
2. Select Redeem rewards.
3. Choose the category you'd like to browse (e.g., Rewards card or Travel) and follow the prompts to redeem.

More information

• If you don't have the choice to view or redeem rewards, your rewards program may be with a retail partner such as an airline or grocery rewards card.
• For questions, please call our Rewards Center at 888-229-8864. We accept relay calls.

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.

There are a few options available to reset your credit card PIN. Choose the one that works for you.

Speak with a representative: If you're not sure what your PIN is, call us at the phone number on the back of your card or at 800-285-8585 and request a PIN mailer to be sent to you. We accept relay calls.

Automated phone system: You must have your PIN mailer or the pre-selected PIN to use this option. Call 800-285-8585, listen to the menu options and enter the pre-selected PIN when prompted. We accept relay calls.

Branch/ATM: Visit us at any U.S. Bank branch or ATM. At the terminal, from the main menu, start by selecting Customize ATM, then select Change PIN.

When selecting a PIN, be aware of the following restrictions:

• It can't begin with a zero (0), be all nines (9999), or all zeros (0000)
• You can't select 1234

A PIN mailer is a system generated number. Representatives can't set a specific PIN for you. Once you receive the mailer, follow the above steps to reset your PIN to a new number.

Credit limit increase requests can be submitted using digital banking. If your account has a joint owner, we’ll need their details as well. Before doing so, you’ll need to have the following information available:

• Annual income of owner(s).
• Monetary assess of owner(s).
• Combined monthly housing payment*.
• Portion of the housing payment the owner(s) are responsible for**.

To request a credit limit increase on your credit card using digital banking

1. Choose the credit card you’d like to request an increase on.
2. Online banking: Select Account services, then chooseRequest Credit Limit Increase.
   U.S. Bank Mobile App: Select Manage, then choose Request Credit Limit Increase.
3. Provide your income and asset information, then selectContinue to housing.
4. Answer the questions, then selectReview my request.
   • Check the box at the top if your account has multiple owners and everyoneshares the same address.
   • If the box is checked, we won't ask for the other owner's housing information.
5. Verify the details are correct, then selectSubmit my request.

*The combined housing payment includes the full amount paid each month.

**The portion of the housing payment we’re looking for is the specific dollar amount each individual owner is responsible for.
Example 1: If you’re making the housing payments in full:

• And there is no joint owner, enter the full payment amount.
• And there is a joint owner, but is NOT responsible for the housing payment, enter $0 for them.

Example 2: If the full housing payment is split in half each month:

• And there is no joint owner, enter your half the housing payment amount. Do not include the other person’s portion.
• And there is a joint owner who’s responsible for half the housing payment, enter what portion they pay.

More information

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.

Before taking a cash advance, consider the costs related to one. Credit products used for cash advances may be subject to additional charges. This includes cash advance fees and interest charges that will accrue on the amounts advanced. Alternatively, if you use a checking or savings account, you can avoid these expenses. See your Cardmember Agreement for details. See also:How do I request my cardmember agreement for my credit card account?

Getting a cash advance using digital banking is considered an “internal transfer”. So, all you need to do is transfer funds from the credit card into your checking or savings account. See also: How do I transfer money between my U.S. Bank accounts?

To get a cash advance using online banking

1. SelectTransfer & payat the top of the page, then chooseInternal transfers.
2. Choose the account funds will come from and which account they'll go to.
3. Enter the amount to transfer.
   Optional: Enter a memo for your records.
4. Review your request, then selectSend transfer.

To get a cash advance using the U.S. Bank Mobile App

1. SelectPay bills & transferat the bottom of the screen, then chooseTransfer money.
2. Choose the account funds will come from and which account they'll go to.
3. Enter the amount to transfer.
   Optional: Use the toggle to Repeat this transfer, then choose the frequency and when to stop repeating it.
4. Review your request, then select Transfer $.

More information

If you've received convenience checks linked to your credit card or line of credit, they can be used for a cash advance. Just write a check to yourself and take it to your financial institution to deposit or cash it.

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.

Managing your money is important and we want to help. If you've decided to transfer the balance from an external account to your credit card, follow the steps below.

To request a balance transfer using digital banking

1. Select your credit card.
2. Online banking: Choose Account services, then selectBalance transferfrom the "Payments" section.
   U.S. Bank Mobile App: Choose Manage, then select Transfer a balance within the "Offers" section.
3. Review the offers shown; when you find one you want, selectChoose this offer.
4. Choose apayeeor enter one from the drop-down menu.
5. Enter the requested information below, thenchooseContinuewhen done. If you're having trouble finding this, contact the financial institution's customer service department.
   • Payee address (we'll prefill the address whenever possible).
   • Account number to be paid.
   • The amount to transfer.
   • SelectAdd another transferif you have multiple payees.
6. Review your balance transfer information. Then select,View balance transfer terms and conditions.
7. If the information is correct and once you've viewed the terms, chooseSubmit.

More information

To process a balance transfer using a business credit card account, please call us at 888-485-4545 and speak with a banker.

Balance transfers can't be used to pay any account issued by U.S. Bank. Balance transfers do not earn rewards. For full details, please refer to your Cardmember Agreement.

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're here to help. When we ask for more information about the circ*mstances, please answer as accurately as you can.

To dispute a transaction using online and mobile banking

1. Choose the credit card the charge was made to.
2. Select the transaction in question to expand the details and choose Dispute this transaction.
3. Answer the questions to help us determine the reason for your dispute, then select Continue to start your case.

You can quickly lock or unlock your card at any time using digital banking.

If you're your card was lost or stolen, review our article:How do I report a credit card as lost or stolen?

To lock or unlock your card using online banking

1. Select your credit card from the dashboard.
2. ChooseCard controls,then selectLock or unlock card.
3. SelectLock cardorUnlock cardto change the status.

To lock or unlock your card using the U.S. Bank Mobile App

1. Select your card from the dashboard.
2. Choose Manageat the top of the screen, then selectLock or unlock cardwithin the "Card Controls" section.
3. Use thetogglebutton to lock or unlock the card, then selectDone.

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.

If you don't have your credit card, we can help. To have a new card sent to your address on file, follow the steps below. Or if you'd like to lock your card while you look for it, see: How do I lock or unlock my credit card?

If you need your card sent to a different address, give us a call at 800-285-8585. If you see purchases you didn't make, call usat866-821-8411. We're here 24 hours a day to help. We accept relay calls.

To report your credit card as lost or stolen using online banking

1. From your dashboard, select the missing card.
2. Select Card controls from the three tabs in the middle. Then choose Lost or stolen card.
3. Let us know what happened to your card by picking from the list of options.
4. Select your card and any other cards you'd like to close and replace. Then choose Continue.
5. We'll help you lock your card(s) by selecting Lock card now. Then select Continue.
6. Enter the date your card(s) went missing and then select Continue.
7. Next let's review the recent transactions.Choose:
   • Yes, continue if the transactions are yours.
   • No, I don't if you don't recognize them.
8. If you selected more than one card, we'll review each card. If not, continue to the next step.
9. Confirm your shipping details and select Continue if everything looks right.
10. Review the order details, then select Replace card.

To report your card as lost or stolen using the U.S. Bank Mobile App

1. From the main menu select Manage cards, then choose the missing card.
2. SelectReport card lost or stolen.
3. Let us know what happened to your card by picking from the list of options.
4. Select your card and any other cards you'd like to close and replace. Then choose Continue.
5. We'll help you lock your card(s) by selecting Lock card now. Then select Continue.
6. Enter the date your card(s) went missing and then select Continue.
7. Next let's review the recent transactions.Choose:
   • Yes, continue if the transactions are yours.
   • No, I don't if you don't recognize them.
8. If you selected more than one card, we'll review each card. If not, continue to the next step.
9. Confirm your shipping details and select Continue if everything looks right.
10. Review the order details, then select Replace card.

More information

While waiting for your new card to arrive, a virtual copy of your card is available in your digital banking. Your virtual card can be used online, at the ATM or wherever contactless purchases can be made. Please see: How do I find my credit card number (virtual card)?

To use your virtual card at the ATM or for a contactless purchase, add it to your mobile wallet. To add it, see: How do I add a credit card to my digital wallet?

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.