Disclosures

1. 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. 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.

2. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

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. Amazon and Alexa are trademarks of Amazon Technologies, Inc.

5. To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. An application can be made by calling 888-291-2334, by starting it online or by meeting with a mortgage loan officer.

6. Visa (2018), Infrequent Travelers Analysis, Internal U.S. Bank report: unpublished.

7. Safe Debit Accounts are not eligible for recurring payments.

8. Home Equity Loan: In order to receive the lowest rate advertised, a set-up of automatic payments from a U.S. Bank personal checking or savings account is required but neither are required for loan approval. Customers in certain states are eligible to receive the preferred rate without having automatic payments from a U.S. Bank personal checking or savings account. Home equity loans not available for properties held in a trust in the states of Hawaii, Louisiana, New York, Oklahoma and Rhode Island. Loans are 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. Property insurance is required. Other restrictions may apply.
   

9. Simple Loan is a high cost loan and more affordable options may be available. See usbank.com for options.

10. 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.

11. Monthly payment and annual percentage rate (APR) will vary based on the term, amount financed, model year, loan-to-value (LTV) percentage, credit history and applicable fees. The lowest APR in the range is available on loans with a term of 60 months or less, a credit score of 800 or higher, a vehicle less than 1 year old, a loan amount of $40,000 or more, and a loan-to-value (LTV) percentage of 111% to 115.99%. Payment example: for an amount financed of $40,000 over a 60-month term, monthly payments would be $813.16 at an annual percentage rate (APR) of 8.11%.

12. By providing U.S. Bank with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications — including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system — from U.S. Bank and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.

13. Financing maximums and terms are determined by borrower qualifications and use of funds.

14. Rewards programs only. Consult your cardmember agreement for details.

15. U.S. Bancorp (USB) is the parent company of U.S. Bank.

16. U.S. Bank Global Fund Services (Guernsey) Limited is licensed under the Protection of Investors (Bailiwick of Guernsey) Law, 2020, as amended, by the Guernsey Financial Services Commission to conduct controlled investment business in the Bailiwick of Guernsey.

17. 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.

18. *The Reserve Rewards+ card replaces the current Elite product for impacted partners. 

19. Purchase fee is $3.95 per Gift Card at the branch. The U.S. Bank Visa Gift Card cannot be reloaded with additional funds, nor can it be used at an ATM. No cash access. For use in the U.S. only. Terms and conditions and fees apply. For complete terms and conditions, see the U.S. Bank Visa Gift Card Cardholder Agreement.

20. U.S. Bank Select Rewards cardmembers may earn three (3) points per dollar on Net Purchases (purchases minus credits and returns) at merchant locations within their chosen reward category at time of application. All other Net Purchases may earn one (1) point per dollar. Transactions qualify for points based on how merchants classify the transaction. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify. Refer to your cardmember agreement for full details.