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Reserve Line of Credit

Reserve Line of Credit

You could get more from your checking account with a U.S. Bank Reserve Line of Credit, a personal line of credit offering overdraft protection.

The Reserve Line of Credit has no annual fees,1 and you only pay finance charges on the amount you borrow at 21.9% APR. You can also borrow from this personal line of credit to cover short-term cash needs.

The benefits of a personal line of credit include:

  • Protection for your U.S. Bank Checking account from accidental overdrafts2
  • No annual fee1
  • Convenient automatic advances into your checking account when the balance falls below zero3
  • Ability to manually advance funds directly into your checking account for no fee via:
    • Internet Banking
    • U.S. Bank ATMs
    • A U.S. Bank teller
    • 24-Hour Banking
Three Ways to Get Started

By Phone

800-757-7147

In Person

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  1. Subject to credit approval. The APR for advances is 21.9%. There is no annual fee. You only pay finance charges on the amount you borrow.

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  2. Overdraft fees may still be incurred if your Reserve Line does not have sufficient available credit to cover activity that overdraws your account.

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  3. May be subject to an Overdraft Protection Transfer Fee imposed on your Checking account. Your Deposit Account Agreement and the Consumer Pricing Information brochure list terms, conditions, and fees that apply to U.S. Bank Consumer Checking Packages and accounts. You may obtain a copy of the brochure by visiting a branch or calling 800.872.2657.

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Loans and lines of credit are offered through U.S. Bank National Association. Member FDIC.

Three Ways to Get Started

Online
By Phone
800-757-7147
In Person

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