Personal Banking
Consumer Pricing Information
Effective August 12, 2024
Something for everyone
All U.S. Bank personal checking accounts
1
include:
– Mobile and online banking with free credit score access
2
– Mobile check deposit
3
– Bill pay
4
– Send money with Zelle®
5
– Email and text alerts
6
– U.S. Bank Visa® Debit Card
We’re ready to help 24 hours a day, 7 days a week – get in touch.
Branch and self-service
7
ATM locations
– Branches in more than 25 states
– One of the largest ATM networks in America
– Access your accounts at thousands of additional
partner
8
ATMs nationwide
– No surcharges at MoneyPass® Network ATMs
9
– Find a branch or ATM near you in the app or at
locations.usbank.com.
usbank.com
800-USBANKS (872-2657)
We accept relay calls.
Outside the U.S. 503-401-9991 (call collect)
Scan here with your mobile
device to download the
U.S. Bank Mobile App.
1. A minimum deposit of $25 is required to open a U.S. Bank personal checking account.
2. Free credit score access, alerts and Score Simulator through TransUnion’s CreditView Dashboard
®
are available to U.S. Bank online and mobile banking clients.
Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore
®
credit score from
TransUnion
®
is for educational purposes only and not used by U.S. Bank to make credit decisions.
3. Eligibility requirements and restrictions apply. Contact a U.S. Bank branch to obtain the Digital Services Agreement for more information.
4. Safe Debit accounts are not eligible for automatic payments or expedited delivery and can only pay billers listed in our system who accept electronic payment.
5. Must have a bank account in the U.S. to use Zelle
®
. Terms and conditions apply. Zelle
®
and the Zelle
®
related marks are wholly owned by Early Warning Services, LLC and are
used herein under license.
6. For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that the alerts may not
be sent immediately.
7. Self-service devices enable consumers to select and conduct banking services.
8.U.S.BankhasestablishedalliancestoexpandATMconvenience.ThesepartnerATMsdisplaytheU.S.BanklogoandareincludedinthedenitionofaU.S.BankATM.
9. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoes
not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobetakentotheMoneyPasswebsite.
If you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products are offered by U.S. Bank National
Association and are subject to credit approval. ©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license
from Visa U.S.A. Inc.
1082903
41862 08/24
CHECKING ACCOUNT OPTIONS
U.S. BANK SMARTLY
®
CHECKING SAFE DEBIT ACCOUNT
1
Minimum Opening
Deposit
2
$25 $25
Monthly
Maintenance Fee
$6.95 $4.95
Requirement to
Waive Monthly
Maintenance Fee
Monthly Maintenance Fee waived with one
of the following:
•
Combined monthly direct deposit
totaling $1,000+, or
•
Average account balance of $1,500
or greater,
3
or
•
Presence of an eligible personal U.S. Bank
credit card
4
Monthly Maintenance Fee
cannot be waived
Interest Tiers
5
less than $1,500
$1,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $99,999.99
$100,000 to $249,999.99
$250,000 to $499,999.99
$500,000 and above
None
ATM Transactions
•
No ATM transaction fees at U.S. Bank ATMs
•
Non-U.S. Bank ATM transaction fees apply
6
•
No ATM transaction fees at U.S. Bank ATMs
•
Non-U.S. Bank ATM transaction fees apply
6
Consumer Pricing Information | Effective August 12, 2024 | page 2
1. No checks issued/use of checks is not permitted. Safe Debit account subject to terms and conditions and fees and charges for select services. Please refer to the
U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.
2. Accounts opened through online, mobile or phone banking must have an opening deposit, or the account will close after 30 days. Once the opening deposit has been made, to
keep an account open it must have a positive balance or deposit/withdrawal activity. An account will automatically close if it has a zero balance and no
deposit/withdrawal activity for four consecutive months.
3. The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of
calendar days within the statement period.
4.QualifyingaccountsincludepersonalU.S.Bankopenandactivatedcreditcardsingoodstandingandyouareanaccountowner.Thisbenetmaytakeupto5businessdays
to be applied after credit card activation. Credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual
fees. No limitation on Bank Smartly
®
checkingaccountswiththisbenet.
5. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information.
6. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoes
not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobetakentotheMoneyPasswebsite.If
you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
CHECKING ACCOUNT OPTIONS (Continued)
U.S. BANK SMARTLY
®
CHECKING SAFE DEBIT ACCOUNT
1
Check Printing Fee
•
50% discount on initial box of personal checks
2
Greenlight Account
•
Complimentary Greenlight account, a family
money app for kids and teens with debit
card(s)
3
Additional Features
•
U.S. Bank Overdraft Fee Forgiven
4
•
Take 0.25% of your new first mortgage loan
amount and deduct it from the closing costs,
up to a maximum of $1,000
5
•
100 Free Trades
6
per calendar year with
a self-directed brokerage account,
exclusively through our affiliate,
U.S. Bancorp Investments*
•
No checks
•
No overdraft fees
•
Discount on money orders
1. No checks issued/use of checks is not permitted. Safe Debit account subject to terms and conditions and fees and charges for select services. Please refer to the
U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.
2.Whenchangingexistingcheckingoptionsorcustomergroup,checkorderdiscountsmaynotbeimmediatelyavailable,butwillgenerallybeavailablewithinvebusinessdays.
Additional shipping fees may apply if expedited or shipped outside the continental United States.
3. U.S. Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer
accounts) is added as a funding source. You are required to be an authorized transactor on the U.S. Bank account, be at least 18 years of age, and be enrolled in online
banking. Your U.S. Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your U.S. Bank checking
account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible U.S. Bank checking account, you may be
chargedamonthlyfeebyGreenlight.In-appupgradeswillresultinadditionalfees.SubjecttoGreenlightidentityverication.Seetermsatgreenlight.com/terms for additional
information. Offer subject to change.
4. Overdraft Fee Forgiven Program – Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft
FeeForgivenperiodstartstherstdayyourAvailableBalancebecomesnegativeandyouwerechargedanOverdraftPaidFee(s).U.S.Bankwillreviewyouraccountattheend
of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least
$0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire
transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for
Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally
madeavailablethefthbusinessdayafterthedayofyourdeposit.RefertotheDeterminingtheAvailabilityofaDeposit–AllAccountssectionofYour Deposit Account
Agreement for full funds availability details.
5.Forpurchaseorrenancetransactions,themaximumcreditis$1,000.Certainmortgagesmaynotbeeligibleforstatedcredits.Offermaynotbecombinedwithanyother
mortgage offers and can only be applied once per property within a 12-month period. To receive the U.S. Bank client credit, a U.S. Bank Smartly
®
Checking account must be
establishedpriortonalloanapproval,ormusthaveeitheranexistingU.S.BankPersonalCheckingPackageorrstmortgagewithU.S.Bank.Aminimumof$25isrequiredto
open a U.S. Bank Smartly
®
Checking account.
6. Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless
documentsforself-directedbrokerageaccount.Freetradesmadeavailableuptofourbusinessdaysfromconrmationofaccountfunding.Thisofferisnotdesignedto
support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of
Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
Investment and Insurance products and services including annuities are:
NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
*For U.S. Bancorp Investments: Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for
U.S.BancorpInvestments,Inc.,memberFINRAandSIPC,aninvestmentadviserandabrokeragesubsidiaryofU.S.BancorpandaliateofU.S.Bank.Insuranceproductsare
availablethroughvariousaliatednon-bankinsuranceagencies,whichareU.S.Bancorpsubsidiaries.Productsmaynotbeavailableinallstates.CAInsuranceLicense#
OE24641.
For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
Consumer Pricing Information | Effective August 12, 2024 | page 3
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and
program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit
products offered by U.S. Bank National Association and are subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.
©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.
U.S. Bank Smart Rewards
®
(U.S. Bank Smartly
®
Checking only, Safe Debit is not eligible)
The U.S. Bank Smart Rewards offers unique benefits
based on your relationship with U.S. Bank, driven by the
amount of qualifying deposits and/or investment balances
from our affiliate U.S. Bancorp Investments* and Personal
Trust
1
balances you have. Benefits may include waivers of
common fees as well as discounts on other
U.S. Bank products.
Qualifying Consumer Deposits, U.S. Bancorp
Investments* and Personal Trust Accounts
1
Qualifying balances include consumer accounts where
the account is open and you are an account owner.
Note: Balances in business accounts, commercial accounts
and the Trustee only (IFI) client relationship do not qualify.
•
Checking account(s)
•
Money Market savings account(s)
•
Savings account(s)
•
CDs and/or IRAs
•
U.S. Bancorp Investments*
•
Personal Trust Accounts
1
How it works
•
To enroll in Smart Rewards, you must have a Bank Smartly
Checking account. Enrollment is required to participate in
Smart Rewards. You can enroll through online and mobile
banking, 24-Hour Banking, or by visiting your local branch.
If you choose not to enroll in the program you will not be
eligible for the benefits included in the Smart Rewards
Tiers and Benefits grid as defined on pages 5 and 6.
– If you qualify for any of the following customer groups
you will be automatically enrolled in the program:
Military (requires self-disclosure), Senior, Youth, Young
Adult, Alliance and Global Transition Solutions.
3
If you
are a part of a customer group, see the Customer
Group Benefits section for a list of automatically applied
benefits. If you qualify for more than one customer group,
you will receive benefits from all the applicable customer
groups. If there is an overlap in the benefit category, the
highest value benefits will be automatically applied.
•
There is no cost for the program, and you may unenroll
from the program at any time using the same channels for
enrollment (described above).
•
If all qualifying Bank Smartly Checking accounts are closed
or you are no longer an account owner, you will not be
eligible for Smart Rewards.
Earn More Benefits - Rewards Tier Reviews
•
Tier reviews occur to appropriately assign your account
into a tier based on your relationship with U.S. Bank, driven
by qualifying balances, credit product relationships or any
relevant customer group qualifications.
•
Your initial review will be based on your total qualifying
balance the business day after your consumer checking
account is enrolled in Smart Rewards.
•
Ongoing reviews occur after the end of every month to
determine if an account qualifies for a tier upgrade. The
monthly average balance for each qualifying account will
be calculated by totaling the daily end of day balances then
dividing by the number of days in the month (or days since
account opening within the month). Up to three months of
average monthly balances for each account will be added
together and then divided by the number of months to
calculate the combined monthly average balance for the
account. The combined monthly average balance for all
accounts will be added together to determine the balance
used to qualify for the tier.
The Smart Rewards Tiers and Benefits grid on pages 5
and 6 shows the tier assignments by qualifying balance.
•
After the end of each calendar year, the combined monthly
average balance for each account will be calculated
using up to 12 months of balances. The combined
monthly average balance for all qualifying accounts will
be added together to determine the balance used for
the tier assignment. The annual review may lead to a tier
upgrade or downgrade. The annual review balance will be
compared to the balance calculated from the December
monthly review and the balance resulting in the highest tier
placement will be used.
•
Reviews associated with the customer groups are ongoing
(daily) and upgraded benefits will generally occur within
five business days. If your customer group changes for
any reason, this may impact your tier (upgrade or
downgrade) and/or any benefits outside of the standard
annual reviews.
•
U.S. Bank will notify you if your tier is changing (upgrade
or downgrade).
Consumer Pricing Information | Effective August 12, 2024 | page 4
1.PersonalTrustaccountbalancesarethecurrentaccountbalanceasofcloseofthepriordayforeligibletrustaccounttypesthatareheldforyourbenet:IRAs,Agency
accounts,RevocableTrustaccountsandCustodyaccounts.
2. Trustee (IFI)–Theperson(s)orentitymanagingtrustassetsanddistributingpropertyaccordingtothetermsdenedwithinthetrustdocument.
3.MilitarygrouprequiresnoticationtoU.S.Banktoenactthestatusandisinclusiveofbothcurrentandformermembers.Youth,YoungAdult,andSeniorgroupswill
automatically be applied based on birth date. Applicable ages; Youth (13-17), Young Adult (18-24), and Senior (65 or over).
Investment and Insurance products and services including annuities are:
NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
*For U.S. Bancorp Investments: Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for
U.S.BancorpInvestments,Inc.,memberFINRAandSIPC,aninvestmentadviserandabrokeragesubsidiaryofU.S.BancorpandaliateofU.S.Bank.Insuranceproductsare
availablethroughvariousaliatednon-bankinsuranceagencies,whichareU.S.Bancorpsubsidiaries.Productsmaynotbeavailableinallstates.CAInsuranceLicense#
OE24641.
For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
Mortgage, home equity and credit products offered by U.S. Bank National Association and are subject to credit approval. Deposit products offered by U.S. Bank National
Association. Member FDIC. ©2024 U.S. Bank
U.S. Bank Smart Rewards
®
(U.S. Bank Smartly
®
Checking only, Safe Debit is not eligible), Continued
Additional Information
•
Application of benefits: After you enroll and upon monthly tier reviews, benefit changes will generally occur within
five business days. For tier downgrades or loss of a customer group, we will give advance notice before the change occurs.
•
Qualification for benefits is at a client level, and then are applied to the impacted products you own or other fee waivers
provided by your customer group benefit (if applicable).
– If you have a joint account, the highest tier across account owners will be applied to the joint account.
– In the event of a change to a client tier, notices of changes will only be provided to the client with the change.
This means an account you own jointly may be impacted and you may not receive notice of the change. You may check
the tier of any deposit account online, by calling 24-Hour Banking, or by contacting your local branch.
•
A tier or customer group change for any account owner may have potential impact to account benefits for all account owners.
SMART REWARDS® TIERS AND BENEFITS
PRIMARY PLUS PREMIUM PINNACLE
Tier Balance Qualification $20,000 - $49,999.99 $50,000 - $99,999.99
$100,000 -
$249,999.99
$250,000
or more
Credit Account
Qualification
Presence of a U.S. Bank home
mortgage, home equity loans,
home equity lines of credit
or unsecured personal loans
(excluding U.S. Bank credit
cards, personal unsecured
lines of credit, student loans
and Simple Loans)
U.S. Bank Smartly® Checking
Monthly Maintenance Fee
$6.95 – waived
Interest Tiers
1
less than $1,500
$1,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $99,999.99
$100,000 to $249,999.99
$250,000 to $499,999.99
$500,000 and above
ATM Transactions No ATM transaction fees at U.S. Bank ATMs
Non-U.S. Bank ATM Fee
charged by U.S. Bank
2,3
ATM transaction fees
waived on first two
Non-U.S. Bank ATM
transactions per statement
period (Non-U.S. Bank ATM
transaction fees apply
after two)
ATM transaction fees
waived on first four
Non-U.S. Bank ATM
transactions per
statement period
(Non-U.S. Bank ATM
transaction fees apply
after four)
All ATM transaction fees waived
for Non-U.S. Bank
ATM transactions
Consumer Pricing Information | Effective August 12, 2024 | page 5
1. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information.
2. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoes
not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobetakentotheMoneyPasswebsite.
If you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
3.Whenchangingcheckingaccounttypes,correspondingNon-U.S.BankATMtransactionfeewaiverswillbecomeavailableontherstdayofthenextstatementcycle.ATM
transaction fee waivers are only applicable for your U.S. Bank Smartly
®
Checking accounts.
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program
terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by
U.S. Bank National Association and are subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank
SMART REWARDS
®
TIERS AND BENEFITS (Continued)
PRIMARY PLUS PREMIUM PINNACLE
Non-U.S. Bank ATM
Surcharge charged by
ATM Owner
(Domestic only)
First fee
reimbursed
(one per
statement period)
First fees reimbursed
(up to four per
statement period)
Fees reimbursed
(unlimited)
Fee Waiver Benefit Unlimited waivers on fees
assessed for the following:
•
Counter Checks
•
Personal Money Orders
•
Cashier’s Checks
•
Stop Payments
One Wire Transfer Fee is
waived per statement period
Unlimited waivers on fees
assessed for the following:
•
Counter Checks
•
Personal Money Orders
•
Cashier’s Checks
•
Stop Payments
•
Wire Transfers
Check Printing Fee 50% discount on initial box of
personal checks
1
50% discount on initial box of personal checks
50% discount on re-orders (U.S. Bank logo or personal)
1
Overdraft Benefits
•
Overdraft Fee Forgiven
2
•
Overdraft Protection Transfer
Fees waived
3
•
Overdraft Fee Forgiven
2
•
Overdraft Protection
Transfer Fees waived
3
•
One Overdraft Paid
Fee
4
waived per
statement period
•
Overdraft Fee Forgiven
2
•
Overdraft Protection
Transfer Fees waived
3
•
All Overdraft Paid
Fees waived
1.Whenchangingexistingcheckingoptionsorcustomergroup,checkorderdiscountsmaynotbeimmediatelyavailable,butwillgenerallybeavailablewithinvebusiness
days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
2. Overdraft Fee Forgiven Program – Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The
OverdraftFeeForgivenperiodstartstherstdayyourAvailableBalancebecomesnegativeandyouwerechargedanOverdraftPaidFee(s).U.S.Bankwillreviewyour
account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same
day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits,
cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not
qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are
generallymadeavailablethefthbusinessdayafterthedayofyourdeposit.RefertotheDeterminingtheAvailabilityofaDeposit–AllAccountssectionofYour Deposit
Account Agreement for full funds availability details.
3. If you have linked eligible accounts, and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50.00. If,
however, the negative Available Balance is $5.00 or less, the amount advanced will be $5.00. The Overdraft Protection Transfer Fee is waived if the negative Available Balance
in your checking account is $50.00 or less. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed
beforetheaccountiseligibleforOverdraftFeeForgiven.RefertoYour Deposit Account Agreement, section titled Overdraft Protection Plans, for additional information.
4.TheOverdraftPaidFeewaiverbenetwillbeappliedtotherstOverdraftPaidFeeassessedduringthestatementperiod.OverdraftFeeForgivenisapplicableforOverdraft
PaidFee(s)aftertherstOverdraftPaidFeeiswaived.
Consumer Pricing Information | Effective August 12, 2024 | page 6
Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National Association
and are subject to credit approval. ©2024 U.S. Bank
OTHER PRODUCT BENEFITS
PRIMARY PLUS PREMIUM PINNACLE
Savings or Money
Market Account
Monthly Maintenance Fee waived on all Standard Savings
or Elite Money Market accounts
Standard Savings
Interest Rate Lift
1
5.00% of the
standard
interest rate
10.00% of the
standard
interest rate
15.00% of the standard
interest rate
IRA Annual Plan
2
Annual Fee Waiver
Safe Deposit Discount 50% off annual Safe Deposit Box rental fee
3
Home Equity Line of Credit
Annual Fee Discount
4
$25 Discount $50 Discount No Fee
Mortgage Origination
Credit Benefits
5
Take 0.25% of your new first mortgage loan amount and
deduct it from the closing costs, up to a maximum of $1,000
5
Online Investing
100 Free Trades
6
per calendar year with a self-directed brokerage
account, exclusively through our affiliate, U.S. Bancorp Investments*
Financial Consultation
Complimentary virtual financial consultation
with the U.S. Bancorp Investments Wealth
Management Advisory Center
7
Complimentary financial
consultation with a U.S. Bancorp
Investments Wealth Management
Advisor or U.S. Bank Wealth
Management Banker
8
1. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information. The interest rate Lift is calculated by taking your current interest rate and multiplying it by the interest rate Lift. This
gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate Lift applies to standard rates only, it is not applicable for special or
promotional rates. Savings interest rate Lift applies to Standard Savings only.
2. Maintaining an open U.S. Bank Smartly
®
CheckingaccountenrolledintheSmartRewards
®
Plustier,ataminimum,isrequiredtowaivetheIRAannualfee.TheIRAannualfeewaiver
doesnotapplytoPersonalTrustIRAs.
3.NewlyenrolledSmartRewardsclientswillnotbeimmediatelyeligibleforSafeDepositBoxdiscounts.EligibilitywilloccurwhenaSmartRewardstierisassigned,generally
vebusinessdaysafterenrollment.
4.AnannualfeemayapplyaftertherstyearoritmaybewaivedordiscountedwithenrollmentintheSmartRewardsprogram.ToreceivetheHomeEquityLineofCreditannualfee
discount, a U.S. Bank Smartly
®
CheckingaccountmustbeopenandenrolledinSmartRewardswithaqualifyingtierassignment.Discountamountsaredeterminedusingyour
tierassignmentontheanniversarydateofyourHomeEquityLineofCredit.Tierassignmentsgenerallyoccurwithinvebusinessdaysaftertierreview.
5.Forpurchaseorrenancetransactions,themaximumcreditis$1,000.Certainmortgagesmaynotbeeligibleforstatedcredits.Offermaynotbecombinedwithanyothermortgage
offers and can only be applied once per property within a 12-month period. To receive the U.S. Bank client credit, a U.S. Bank Smartly
®
Checking account must be established prior to
nalloanapproval,ormusthaveeitheranexistingU.S.BankPersonalCheckingPackageorrstmortgagewithU.S.Bank.Aminimumof$25isrequiredtoopenaU.S.BankSmartly
®
Checking account.
6. Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents
for self-directed brokerage account. To receive the free trades, a U.S. Bank Smartly
®
Checking account must be established. Free trades made available up to four business days from
conrmationofaccountfunding.Thisofferisnotdesignedtosupportdaytradingoractivetradingandmayberevokedif
there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at
https://www.usbank.com/investing/online -investing/self-directed-investing/brokerage-fees.html.
7. To schedule your complimentary virtual consultation, make an appointment online at usbank.com/advisorycenter or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments
anditsrepresentativesdonotprovidetaxorlegaladvice.Yourtaxandnancialsituationisunique.Youshouldconsultyourtaxand/orlegaladvisorforadviceandinformation
concerningyourparticularsituation.ThecomplimentaryvirtualconsultationisavailabletoclientsoutsidetheRewardsProgram.
8.Toscheduleyourcomplimentarynancialconsultation,ndanadvisornearyouatusbank.com/advisororcall888-620-8770.U.S.Bank,U.S.BancorpInvestmentsandits
representativesdonotprovidetaxorlegaladvice.Yourtaxandnancialsituationisunique.Youshouldconsultyourtaxand/orlegaladvisorforadviceandinformationconcerningyour
particularsituation.ThecomplimentarynancialconsultationisavailabletoclientsoutsidetheRewardsProgram.
Investment and Insurance products and services including annuities are:
NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
*For U.S. Bancorp Investments: Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for
U.S.BancorpInvestments,Inc.,memberFINRAandSIPC,aninvestmentadviserandabrokeragesubsidiaryofU.S.BancorpandaliateofU.S.Bank.Insuranceproductsareavailable
throughvariousaliatednon-bankinsuranceagencies,whichareU.S.Bancorpsubsidiaries.Productsmaynotbeavailableinallstates.CAInsuranceLicense#OE24641.
For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program
terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by
U.S. Bank National Association and are subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank
Consumer Pricing Information | Effective August 12, 2024 | page 7
CUSTOMER GROUP BENEFITS
CUSTOMER GROUP BENEFITS
Military
•
Automatic enrollment in minimum tier of Plus
•
The following fees will have unlimited waivers: Cashier’s Check Fee*, Personal Money Orders*,
Stop Payment Fee
•
50% off annual Safe Deposit Box rental fee*
•
50% discount on personal check re-orders (U.S. Bank logo or personal)
1
•
If you obtained your U.S. Bank mortgage, loan, line of credit, or credit card prior to being
called to active duty, the Servicemembers Civil Relief Act (SCRA) allows a cap of 6% on the
interest rate and a waiver of all fees while you are on active military duty. Call the
Military Service Center at 800-934-9555 to request this benefit.
•
Learn more about how we serve those who serve their country at usbank.com/military
Senior
(ages 65 or over)
•
Waiver of Monthly Maintenance Fee on Bank Smartly Checking
•
50% off annual Safe Deposit Box rental fee*
•
50% discount on personal check re-orders (U.S. Bank logo or personal)
1
Young Adult
(ages 18-24)
•
Waiver of Monthly Maintenance Fee on Bank Smartly Checking
•
ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement
period (Non-U.S. Bank ATM fees apply after four transactions)
2,3
•
Two incoming Wire Transfer Fees waived per Bank Smartly Checking statement period
•
Waiver of Monthly Maintenance Fee on new U.S. Bank Standard Savings accounts, for
six months from the savings account open date; no limit*
Youth
(ages 13-17)
•
Waiver of Monthly Maintenance Fee on Bank Smartly Checking
•
Waiver of Monthly Maintenance Fee on all U.S. Bank Smartly® Savings or Standard Savings
accounts; no limit*
•
ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement
period (Non-U.S. Bank ATM fees apply after four transactions)
2,3
Alliance
4
(including State Farm®
5,6
)
•
Automatic enrollment in minimum tier of Primary
•
ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement
period (Non-U.S. Bank ATM fees apply after four transactions)
2,3
•
Waiver of Monthly Maintenance Fee on all new U.S. Bank Elite Money Market accounts, for
twelve months from the money market account open date
7
; no limit*
Consumer Pricing Information | Effective August 12, 2024 | page 8
* A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits.
Business customers and/or business accounts are not eligible for customer group benefits.
1.Whenchangingexistingcheckingoptionsorcustomergroup,checkorderdiscountsmaynotbeimmediatelyavailable,butwillgenerallybeavailablewithinvebusinessdays.
Additional shipping fees may apply if expedited or shipped outside the continental United States.
2. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoesnot
display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobetakentotheMoneyPasswebsite.
If you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
3.Whenchangingcheckingaccounttypes,correspondingNon-U.S.BankATMtransactionfeewaiverswillbecomeavailableontherstdayofthenextstatementcycle.
ATM transaction fee waivers are only applicable for your U.S. Bank Smartly
®
Checking accounts.
4.AlliancebenetsarecontingentonopeningaccountsthroughtheAlliancepartnerchannels.ProductsdirectlyopenedatU.S.BankarenoteligiblefortheAllianceCustomer
Groupbenets.
5. If you have any questions, please call the State Farm Banking Customer Service at U.S. Bank, 800-890-2233.
6.TheRetirementMoneyMarketminimumopeningdepositis$100forStateFarmclients.
7. Valid if the client maintains an Elite Money Market account only (without the presence of a Bank Smartly
®
checking account); Monthly Maintenance Fee waiver starts on account
open date.
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program
terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by
U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank
The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.
CUSTOMER GROUP BENEFITS (Continued)
CUSTOMER GROUP BENEFITS
Wealth Management
1
•
Premier service including:
– Access to a dedicated team of wealth professionals with planning, investment* and
banking expertise
– Dedicated concierge phone support
– Market and economic updates
– Exclusive event invitations
•
Access to custom lending solutions, including Liquid Asset Secured lines of credit
•
Higher money movement limits
•
Immediate access to your funds
2
•
Complimentary Wealth Management-branded personal checks
5
Workplace-Financial
Wellness Program
•
ATM transaction fees waived on first two Non-U.S. Bank ATM transactions per statement
period (Non-U.S. Bank ATM fees apply after two transactions)
3,4
•
50% discount on personal check re-orders (U.S. Bank logo or personal)
5
•
50% off annual Safe Deposit Box rental fee**
U.S. Bank Global
Transition Solutions
6
(Formally known as
Referral Banking)
•
Automatic enrollment in minimum tier of Primary
** A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits.
Business customers and/or business accounts are not eligible for customer group benefits.
Consumer Pricing Information | Effective August 12, 2024 | page 9
1. For banking clients of U.S. Bank Wealth Management, Private Wealth Management or Ascent Private Capital Management.
2. For more information, refer to Your Deposit Account Agreement, in the section titled Funds Availability.
3. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoes
not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobetakentotheMoneyPasswebsite.
If you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
4.Whenchangingcheckingaccounttypes,correspondingNon-U.S.BankATMtransactionfeewaiverswillbecomeavailableontherstdayofthenextstatementcycle.ATM
transaction fee waivers are only applicable for your U.S. Bank Smartly Checking accounts.
5.Whenchangingexistingcheckingoptionsorcustomergroup,checkorderdiscountsmaynotbeimmediatelyavailable,butwillgenerallybeavailablewithinvebusinessdays.
Additional shipping fees may apply if expedited or shipped outside the continental United States.
6. U.S. Bank Global Transition Solutions customer group currently has limited availability through qualifying referral partner programs (e.g. MUFG Bank).
Investment and Insurance products and services including annuities are:
NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
*For U.S. Bancorp Investments: Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing
nameforU.S.BancorpInvestments,Inc.,memberFINRAandSIPC,aninvestmentadviserandabrokeragesubsidiaryofU.S.BancorpandaliateofU.S.Bank.
Insuranceproductsareavailablethroughvariousaliatednon-bankinsuranceagencies,whichareU.S.Bancorpsubsidiaries.Productsmaynotbeavailableinallstates.CA
InsuranceLicense#OE24641.
For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National
Association and are subject to credit approval. ©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a
license from Visa U.S.A. Inc.
SAVINGS ACCOUNT OPTIONS
ELITE MONEY MARKET
U.S. BANK SMARTLY® SAVINGS
available September 3, 2024)
STANDARD SAVINGS
Minimum
Opening Deposit
1
$100 $25 $25
Monthly
Maintenance
Fee
$10 $5 $4
Requirement to
Waive Monthly
Maintenance Fee
•
$10,000 minimum daily
balance,
3
or
•
Presence of a Bank Smartly®
Checking and enrollment in the
Smart Rewards® program with
a minimum tier of Primary
•
Presence of a Bank Smartly®
Checking or Safe Debit
account
•
$300 minimum daily
balance,
3
or
•
$1,000 average monthly
collected balance,
4
or
•
Account holder(s) age 12 or
younger,
5
or
•
Presence of a Bank Smartly®
Checking and enrollment in the
Smart Rewards® program with
a minimum tier of Primary
Interest Tiers
2
less than $10,000
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $99,999.99
$100,000 to $499,999.99
$500,000 and above
less than $5,000
$5,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $99,999.99
$100,000 and above
Single Tier
1. Accounts opened through online, mobile or phone banking must have an opening deposit or the account will close after 30 days. Once the opening deposit has been
made, to keep an account open it must have a positive balance or deposit/withdrawal activity. An account will automatically close if it has a zero balance and no
deposit/withdrawal activity for four consecutive months.
2. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information.
3. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current
business day debits. Business days are Monday through Friday; federal holidays are not included.
4.Theaveragemonthlycollectedbalanceiscalculatedbyaddingtheprincipalintheaccountforeachcalendardayinthestatementperiodanddividingthatgurebythe
total number of calendar days in the statement period.
5. Account may be assessed the Monthly Maintenance Fee when the account holder reaches 18 years of age. Account holder(s) age 13-17 will receive the monthly
maintenance fee waiver under the Youth customer group. In the event the account holder is not currently a signer on the account the account holder must visit a branch
with the custodian/guardian on the account to gain authority to access account funds.
Consumer Pricing Information | Effective August 12, 2024 | page 10
Other conditions and restrictions may apply. Terms may change without notice. Mortgage, home equity and credit products offered by U.S. Bank National
Association and are subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank
SAVINGS ACCOUNT OPTIONS (Continued)
ELITE MONEY MARKET
U.S. BANK SMARTLY® SAVINGS
(available September 3, 2024)
STANDARD SAVINGS
U.S. Bank
Smartly® Savings
Interest Rate
Bump
1
•
A Bank Smartly Checking or
Safe Debit account is required
to qualify
•
Variable interest rate bump is
added to the standard interest
rate
•
Interest rate bump will vary
based on combined qualifying
balances
ATM
Transactions
•
No ATM transaction fees at
U.S.Bank ATMs
•
Non-U.S. Bank ATM transaction
fees apply
2
•
No ATM transaction fees at
U.S.Bank ATMs
•
Non-U.S. Bank ATM transaction
fees apply
2
•
No ATM transaction fees at
U.S.Bank ATMs
•
Non-U.S. Bank ATM transaction
fees apply
2
1. The interest rate bump is variable and determined at the bank’s discretion and can change at any time. The interest rate bump is applicable for U.S. Bank Smartly Savings with
an eligible product (Bank Smartly
®
CheckingorSafeDebitaccount).ThetotalcombinedqualifyingbalancesiscalculatedasdenedundertheU.S.BankSmartRewards
program rules in this document. For Bank Smartly Savings accounts with multiple owners, the owner with the highest combined qualifying balance will be used to qualify. The
interestratebumpwillbeadjustedmonthlyforanychangesinqualifyingbalances.SmartRewards
®
enrollmentisnotrequiredtoqualifyforthisbenet.Speaktoabankerfor
current deposit rates, disclosures on rates, compounding and crediting, and other balance information. Current variable interest rate bump amount information can be found at
usbank.com, by calling 24-Hour Banking at 800-USBANKS (872-2657) or by visiting your local branch. We accept relay calls.
2. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoes
not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobe
takentotheMoneyPasswebsite.
If you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
Consumer Pricing Information | Effective August 12, 2024 | page 11
Other conditions and restrictions may apply. Terms may change without notice. Mortgage, home equity and credit products offered by U.S. Bank National
Association and are subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank
Consumer Pricing Information | Effective August 12, 2024 | page 12
MISCELLANEOUS CHECKING, SAVINGS OR MONEY MARKET FEES
Account Charge-Off Processing Fee no charge
ATM and Debit Card Fees
ATM Transaction means each withdrawal, balance inquiry, funds transfer or deposit.
U.S. Bank ATM
1
Transaction no charge
Non-U.S. Bank ATM Transaction
2
(International or Domestic) $2.50
Mini Statement at U.S. Bank ATM no charge
Full Statement at U.S. Bank ATM no charge
International Processing Fee – U.S. Dollars 3% of transaction
International Processing Fee – Intl Currency 3% of transaction
Debit Card Cash Advance Fee
3
$2.00
Check Collection (incoming/outgoing) $30.00 + direct cost
Counter Checks $2.00 per check
Dormant Account (per month)* $5.00
*Unless excluded by account type or prohibited or restricted by state law.
Overdraft Paid Fee
4
Item Amount
$5.00 or less no charge
$5.01 or greater $36.00 per item*
*Fees are limited to a daily maximum of three Overdraft Paid Fees per day.
If your Available Balance at the end of the business day is negative by
$50.00 or less, no Overdraft Paid Fee will be charged.
1.U.S.BankATMsarephysicallyand/ordigitallybranded.DigitallybrandedATMscanbeidentiedwiththeU.S.BanklogodisplayedontheATMorpromotionalscreen.
2. ATM Transaction Fee.U.S.BankwillassessthisfeeforeachATMTransactionconductedattheNon-U.S.BankATM.Non-U.S.BankATMsaredenedasanyATMthatdoes
not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.
ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass
®
, an ATM surcharge free
network.TondMoneyPassATMlocations,select“visittheMoneyPasslocator”atthebottomofourATMlocatorsearchresultstobetakentotheMoneyPasswebsite.
If you use an ATM that uses the MoneyPass
®
Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.
3.$2.00peradvanceassessedwhenperformingacashadvanceatanynancialinstitutionthatacceptsVisa
®
.
4. In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee
may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed.
U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association
pursuant to a license from Visa U.S.A. Inc.
Consumer Pricing Information | Effective August 12, 2024 | page 13
MISCELLANEOUS CHECKING, SAVINGS OR MONEY MARKET FEES, Continued
U.S. Bank Overdraft Fee Forgiven
All consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s)
waived with qualifying deposits.
1
The Overdraft Fee Forgiven period starts the first day the Available
Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your
account for a fee waiver at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s).
Available Balance* at 11 p.m. ET is $0 or more Overdraft Paid Fee(s) waived
*Excluding the Overdraft Paid Fee(s) and including immediate
and same day deposits.
Overdraft Protection Transfer Fee
2
$12.50*
(when a transfer is made from an eligible linked credit account
3
)
*If the amount advanced is $50.00 or less, no Overdraft Protection Transfer Fee
will be charged. No Overdraft Protection Transfer Fee(s) will be charged for
transfers from linked deposit accounts.
Photocopy Requests
Copy of Check, or other items no charge
Copy of Statement no charge
Statement Fees no charge
1. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check
deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit,
extendedholdplacedonadepositanddepositsintonewaccountsopenedlessthan30dayswherefundsaregenerallymadeavailablethefthbusinessdayafterthedayof
yourdeposit.RefertotheDeterminingtheAvailabilityofaDeposit–AllAccountssectionofYour Deposit Account Agreement for full funds availability details.
2. If you have linked eligible accounts, and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50.
If however, the negative Available Balance is $5.00 or less, the amount advanced will be $5.00. The Overdraft Protection Transfer Fee is waived if the negative Available
Balance in your checking account is $50.00 or less. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be
accessedbeforetheaccountiseligibleforOverdraftFeeForgiven.RefertoYour Deposit Account Agreement, section titled Overdraft Protection Plans, for additional
information.
3.Eligibleaccountsinclude:U.S.BankReserveLineofCredit,U.S.BankCreditCard,U.S.BankPersonalLineofCredit,U.S.BankHomeEquityLineofCreditandother
U.S.BankLinesofCredit.Cashadvancefeeswillapply.Interestwillaccrueassoonasyoutransferfunds.CheckyourcardholderagreementforAnnualPercentageRate(APR)
details.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association
pursuant to a license from Visa U.S.A. Inc.
Consumer Pricing Information | Effective August 12, 2024 | page 14
OTHER SERVICE FEES
Account Balancing and Research 1 hour minimum $30.00/hour
Cashier’s Check $10.00
Individual Retirement Account (IRA)
Annual Fee for Plan Balances Below $25,000 $30.00
CESA Balances Below $5,000 $30.00
IRA External Transfer Fee $30.00 per IRA Plan
Legal Charges
(Escheatment Related Due Diligence-as permitted by state)
Garnishments $100.00
Tax Levy and Child Support $100.00
Personal Money Orders $5.00
Safe Deposit Box Fees
Late Payment (per month) $10.00
Lock Drilling $150.00
Paper Invoice no charge
Stop Payment $35.00
Wire Transfer
1
Domestic – Incoming $20.00
Domestic Internal - Incoming $15.00
Domestic – Outgoing $30.00
Domestic Internal - Outgoing $25.00
International – Incoming $25.00
International – Outgoing $50.00
1.Additionalfeesmaybedeductedfromthetransferamountbyothernancialinstitutionsinvolvedinthepaymentprocess.Depositsreceivedinaforeigncurrency,whether
by check, wire-transfer, or otherwise, must be converted to U.S. dollars prior to being credited to your account. U.S. Bank will convert your funds at a retail exchange rate
established by U.S. Bank on the business day when such exchange is processed based on factors such as market conditions and risk, economic and business factors.
Theexchangeratewillincludeourprot,fees,costsandcharges.SeetheForeignCurrencysectionoftheYour Deposit Account Agreement for more information.
2. An internal domestic wire transfer (incoming and outgoing) is where both the debit and the credit accounts are held within U.S. Bank.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association
pursuant to a license from Visa U.S.A. Inc.
Consumer Pricing Information | Effective August 12, 2024 | page 15
FOREIGN CHECKS/CURRENCY FEES
Checks Deposited in Foreign Currency on Foreign Banks
All checks subject to review. If item must be processed on a collection basis, U.S. Bank
will disclose additional fees prior to assessing. See Foreign Check Collection section
for potential fees. Return rate subject to sell rates in effect on return date.
Foreign Check Collection (incoming/outgoing)
Courier Fee (per check) $45.00
Initiation Fee (per check) $40.00
Tracer Fee $25.00
Returned Check Fee $25.00
Checks on Canadian Banks (non-collection) $0.50
Checks on Select Countries/Banks (non-collection) $1.00
Fee collected on all checks presented, paid and unpaid. Additional fees assessed by
Foreign Banks will be deducted from the check proceeds. Exchange rate adjustments
will apply on each item at the time of processing.
Foreign Currency
Purchase Foreign Currency
Foreign Exchange Fee (Admin Fee)* $10.00
Next Day Priority Delivery (optional) $15.00
Sell Foreign Currency
Foreign Exchange Fee (Admin Fee)* $10.00
* Charged for transactions of $300 U.S. Dollars or less, or for
any currency purchases returned within seven days.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association
pursuant to a license from Visa U.S.A. Inc.
