U.S. Bank Smart Rewards

Members of the military (requires self disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or presence of an eligible personal U.S. Bank credit card; or qualify for one of the four Smart Rewards^® tiers (Primary, Plus, Premium or Pinnacle).

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. Other fees may apply.

Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

The $5 monthly maintenance fee is waived with the presence of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.

ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does 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. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. 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. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly^® Checking accounts.

Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your 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 ATMs, 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 made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.

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 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

Refer to Your Deposit Account Agreement (PDF) section titled Overdraft Protection Plans for additional information.

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 charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See greenlight.com/terms for additional information. Offer subject to change.

The interest rates and APYs for the U.S. Bank Smartly® Savings account are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. A minimum opening deposit of $25 is required to open.

Eligibility for an interest rate bump: The interest rate bump is applicable for Bank Smartly® Savings when at least one account owner maintains an open and in good standing eligible product (U.S. Bank Smartly® Checking, Safe Debit account or a U.S. Bank Smartly™ Visa Signature® Card). Bank Smartly Savings accounts without an eligible product will earn the standard variable interest rate shown above. U.S. Bank Smart Rewards® enrollment is not required to qualify for this benefit. The interest rate bump is determined by the combined qualifying balances, as shown above.

What is included in the Combined Qualifying Balance: Qualifying balances include consumer or trust accounts where the account is open and you are an account owner. Note: Balances in business accounts, commercial accounts, and the Trustee only (IFI) , Grantor only (GRT) or Trustee & Grantor - Irrevocable Trust (TRG) client relationships do not qualify.

• Checking accounts
• Money Market savings accounts
• Savings accounts
• CDs and/or IRAs
• Personal Trust accounts
• U.S. Bancorp Investments accounts
• U.S. Bancorp Advisors brokerage accounts

How is the Combined Qualifying Balance calculated: The Combined Qualifying Balance is calculated separately for each account owner monthly. For Bank Smartly Savings accounts with multiple owners, the owner with the highest Combined Qualifying Balance will be used to determine the Smartly Interest Rate Bump tier. The interest rate bump and balance range information will be visible to all owners on the joint account. The Combined Qualifying Balance is determined as follows:

First, at the end of each month an average Combined Qualifying Balance is calculated. The balance is based on a 90-day average balance for all qualifying accounts and is calculated by adding together the end of day ledger combined balances for every day in the last 90 days and dividing the total by

• 90 calendar days, or
• the number of days since opening an initial qualified account

Next, the Smartly Interest Rate Bump tier that is applied to your Bank Smartly Savings account is determined by one of two potential calculations:

• For the initial evaluation after opening your first qualifying account and at the beginning of every calendar month thereafter, we will apply the Smartly Interest Rate Bump tier based upon the average Combined Qualifying Balance (as described above)
• In addition, we will review the Combined Qualifying Balances on a daily basis to determine whether you qualify for a higher Smartly Interest Rate Bump tier based upon the day’s Combined Qualifying Balances.

If your daily Combined Qualifying Balances qualifies you for a tier upgrade, you will be moved to the higher tier (within 5 business days). You will remain in that tier until you qualify for a higher tier based on your daily Combined Qualifying Balances, or the calculated monthly Combined Qualifying Balance qualifies you for a higher or lower tier.

The Smartly Interest Rate Bump tier will be applied to your Bank Smartly Savings account within the first 5 business days of each month or upon reaching a higher tier, which means that the tier that will be applied to your account may vary during a billing cycle.

How is the interest rate bump determined: After the first eligible Bank Smartly Savings account is opened and the eligible product verification is completed, on the next business day we will determine the initial interest rate bump based upon the average Combined Qualifying Balances (as described above). The interest rate bump is added to the standard interest rate to calculate the interest rate applied to the entire account balance in the eligible Bank Smartly Savings account generally within five business days. The interest rate bump can be adjusted up or down or remain the same (as described above). If the Bank Smartly Savings account is closed, the interest rate bump will cease immediately, and accrued interest will not be paid. If the required eligible product (Bank Smartly Checking, Safe Debit account or a U.S. Bank Smartly™ Visa Signature® Card) is closed but the Bank Smartly Savings account remains open, the interest rate bump will remain valid until the end of the calendar month.

Balance and interest information:You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. 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. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other 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 established prior to final loan approval, or must have either an existing U.S. Bank Personal Checking Package or first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Smartly^® Checking account.

For a comprehensive list of account pricing, terms and policies, see the Consumer Pricing Information (PDF) disclosure and Your Deposit Account Agreement (PDF). These documents can be obtained by contacting a U.S. Bank branch or calling 866-758-8655.

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

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 or an existing U.S. Bank Platinum^® Checking Package or U.S. Bank Gold^® Checking Package must be established with our affiliate U.S. Bank. Free trades made available up to four business days from confirmation of account funding. This offer is not designed to 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.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

U.S. Bank Smart Rewards qualifying balance information includes affiliated U.S. Bancorp Advisors (USBA) components, which is being translated for your convenience. USBA offers its products only in English and may not be able to offer certain products in a particular foreign language.

Exclusive U.S. Bank Smart Rewards® cash back deals are available to U.S. Bank personal credit card members whose accounts are open and in good standing who: (1) have a U.S. Bank Smartly^® Checking account; (2) are enrolled in the Smart Rewards program; and (3) qualify for the Primary tier of the program or higher. Card members who have both a personal credit card account and a business credit or charge card account with U.S. Bank are not eligible for these offers. Smart Rewards cash back deals appear in online banking and the U.S. Bank mobile app and will change approximately every 45 days. Following enrollment in Smart Rewards program, offers will be made available to eligible card members within 4-6 weeks. To access and activate the cash back deals, card members must log in to online banking or the mobile app and select the Smart Rewards cash back deals to activate them. Once the deal or deals are activated, shop online or in store at offer-activated stores using your enrolled U.S. Bank personal credit card at checkout. Terms and conditions applicable to each offer are provided with the offer. Cash back is automatically credited within 5-7 business days to the card or account used to complete the deal. 

The interest rates and Annual Percentage Yields (APYs) for the Bank Smartly® Savings account are variable, determined at the bank's discretion, and can change at any time.

If you have any questions, please call the State Farm Banking Customer Service at U.S. Bank, 800-890-2233.

The Retirement Money Market minimum opening deposit is $100 for State Farm clients.

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.

For banking clients of U.S. Bank Wealth Management, Private Wealth Management or Ascent Private Capital Management.

For more information, refer to Your Deposit Account Agreement (PDF), in the section titled Funds Availability.

The Overdraft Paid Fee waiver benefit will be applied to the first Overdraft Paid Fee assessed during the statement period. Overdraft Fee Forgiven is applicable for Overdraft Paid Fee(s) after the first Overdraft Paid Fee is waived.

Personal Trust account balances are the current account balance as of close of the prior day for eligible trust account types that are held for your benefit: IRAs, Agency accounts, Revocable Trust accounts and Custody accounts.

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. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# 0E24641.

For U.S. Bancorp Advisors: 

Brokerage and investment advisory products and services are offered by U.S. Bancorp Advisors, LLC, an SEC-registered broker-dealer, investment adviser, member FINRA / SIPC, and subsidiary of U.S. Bancorp and affiliate of U.S. Bank, N.A. Insurance services are offered by USBA Insurance Services, a dba of U.S. Bancorp Advisors, having a California domicile and principal place of business at 800 N. Brand Blvd., 16th Floor, Glendale, CA 91203, CA Insurance License #6011694. Products may not be available in all states.

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.