About Online Banking

With U.S. Bank Online Banking, you'll enjoy many time-saving account management features, including:

  • Expanded Transaction History – access up to 2 years of transactions – building to 5 years.
  • Search Functionality – search through your transaction history by date, transaction type, description or amount.
  • More Online Statements – over 2 years of Online Statements – building up to 7 years.

Log in or enroll today.


Account Transactions
  • Click to Show/Hide Make a Payment
    AutoPay/WebPay

    With Online Banking, you have the flexibility to make a same-day payment, schedule a future payment or sign up for AutoPay, where your payment is scheduled on the same day each month. You can use a U.S. Bank checking account or an external account to make payments to your credit card. If you choose to set up an external payment account, it only needs to be set up once for all future payments.

    To make a payment:

    1. Log in to Online Banking.
    2. Under the "Payments" tab, select "U.S. Bank Credit Card and Loans".
    3. Select the Account you are paying, and the Account you are paying from.
    4. Select the frequency, either Once for a onetime payment, or Recurring to set up AutoPay.
    5. Complete the remaining payment information and select Continue.
    6. Review the payment details and click Submit.

    The cut-off time for same day Web (non-AutoPay) payments varies but generally ranges between 5 pm and 8 pm CT. Please contact Cardmember Service if you have questions about your applicable cut-off time.

    PhonePay

    Making a payment over the phone is easy! First you need to sign up for this option, and then each time you make a payment via our automated phone system, your next statement will reflect that payment. After you've set up PhonePay the first time, call Cardmember Service anytime before your payment due date—even on the due date if you call before 7 p.m. (CST). Have your Card account number handy and follow the easy payment instructions. There is no charge for a payment made through our automated phone system.1 To sign up for PhonePay just call Cardmember Service.

    Mail

    Send your check or money order to:
    U.S. Bank
    Cardmember Service
    P.O. Box 790408
    St. Louis, MO 63179-0408

    Be sure to include your account number in the memo area of your check.

  • Click to Show/Hide Transfer a Balance
    To request a balance transfer:
    1. Log in to Online Banking.
    2. Select your Card from the home page
    3. Select "Request a Balance Transfer" from the left navigation.
    4. Select your Account and click Next.
    5. Click "Transfer a balance from another credit card."

    Note: Rewards points are not awarded on Balance Transfers. Transferring a balance will not automatically close your other account. If you wish to close your existing account, please write to the creditor

  • Click to Show/Hide Convenience Checks
    Online convenience checks allow you to transfer balances or make payments to someone, and the amount will be billed to your Card. You can request that a booklet of checks be mailed directly to you.

    To request convenience checks:

    1. Log in to Online Banking.
    2. Select your Card from the home page
    3. Select "Request a Convenience Check" from the left navigation.
    4. Select your Account and click Next.
    5. Click "Order a booklet of Convenience Checks."
    6. Follow the simple instructions to request a Convenience Check.

    Note: Available on select products. Rewards points are not awarded on Convenience Checks.

  • Click to Show/Hide View your Balance and Transaction History
    With Online Banking, you can view your account balance and over two years of transactions. You can also view Online Statements, building up to 7 years of history.

Account Preferences
  • Click to Show/Hide Go Paperless!
    Learn more about the benefits of going paperless.
  • Click to Show/Hide Stay Informed with Account Alerts

    Account Alerts notify you of important account activity, such as a low available balance or when a payment is due. You can set-up these alerts and select where you would like an email or text message notification delivered.2 The following alerts are available: Statement and Payment Alerts

    Online Statement Available
    Payment Due
    Payment Overdue
    Payment Posted

    Account Balance Alerts
    Available Credit
    Balance Exceeds Defined Amount
    Transaction Alerts

    Suspicious Transaction
    Transaction Dollar Amount
    Credit Posted
    Debit Posted
    Card Not Present
    International Transaction

    To set up Account Alerts:

    1. Log in to Online Banking.
    2. Select "My Alerts" under the "Customer Service" tab.
    3. Click "Add Alerts" next to your Card account.
  • Click to Show/Hide Security Alerts

    Security Alerts notify you when sensitive personal information, like an ID or address, changes. These alerts do not require any set-up and are automatically delivered to your primary email address.

    You will be notified when the following events occur:

    • Address or phone number changes
    • Primary email address changes
    • Online Banking ID or Password changes
    • ID Shield Changes (including setup, questions and answers or image/sound and phrase changes)
    • Online Banking ID and Password were disabled due to multiple, incorrect login attempts
    • Login Assistance was requested to provide your Online Banking ID

    How to change where security alerts are delivered

    To change your primary email address:

    1. Log in to Online Banking.
    2. Select "Edit Profile" under your name and email address.
    3. Click "Edit" next to Primary Email information.
  • Click to Show/Hide Manage your Overdraft Protection Preferences
    U.S. Bank overdraft protection protects your U.S. Bank Checking account from costly overdrafts by automatically transferring cash to it from your Polaris Visa credit card account.

FlexControl
  • Click to Show/Hide What is FlexControl?
    With FlexControl, you have the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance more quickly, or pay off larger purchases over time. Choose FlexControl Essentials or Accelerator to manage your payments and save on interest.
  • Click to Show/Hide FlexControl Essentials
    • Choose up to seven everyday Essentials categories (like gas, groceries, dining or bill payments) to pay in full monthly.
    • Pay no interest on your chosen Essentials purchase categories when they're paid in full each month, which happens automatically once you've enrolled.
    • Select your preferred monthly Essentials payment date.
    • Retain your ability to carry a balance on your card for larger purchases or unexpected expenses.
  • Click to Show/Hide FlexControl Accelerator
    • Make accelerated payments to reduce your credit card balance and save on interest charges.
    • Choose an amount you're comfortable with to add to your minimum payment - we'll track these incremental payments on your statement and show you the interest you're saving.
    • Choose a payment frequency that fits your finances (monthly or weekly).
    • After you set up your Accelerator payments, you can adjust them online any time.
  • Click to Show/Hide How to set up Essentials or Accelerator

    To set up FlexControl Essentials or Accelerator:

    1. Log in to Online Banking.
    2. Under the "Transfers and Payments" tab, select "Pay My Account."
    3. Select the account you are paying to and from and then select "Recurring."
    4. Your FlexControl options will be displayed to the right.

Additional Features
  • Click to Show/Hide Spend Analysis

    With your Online Banking spend analysis, you can download a year-to-date summary for the current year, or an annual account summary for the two previous calendar years.

    To access the spend analysis:

    1. Log in to Online Banking.
    2. On the My Accounts page, click the “View Spend Analysis” link under your Card.

    Note: Data is loaded on a monthly basis and should be available by the 5th business day of the month. If you are attempting to access a new account, the account must go through one statement cycle before the data will become available.

  • Click to Show/Hide Request a Cardmember Agreement

    To request a copy of your Cardmember Agreement:

    1. Log in to Online Banking.
    2. Select "Self Service" under the "Customer Service" tab.
    3. Select "Manage Your Credit Account."
    4. Click on "Polaris Visa Card."
    5. Select "Request A Cardmember Agreement" and follow the easy steps to submit your request.

    Your Agreement will be mailed to you within 7-10 business days.

  • Click to Show/Hide Download Transaction Data

    It's easy to download your transaction data into Quicken® or Microsoft® Excel formats.

    To download transaction data:

    1. Log in to Online Banking.
    2. Select your Credit Card account on the home page.
    3. Select "Download Transactions" in the Account Activity section. 
    4. Select the date range.
    5. Select the download file type.
    6. Click "Download Transactions."

We 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.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

©2017 U.S. Bank National Association. All rights reserved.

Deposit products offered by U.S. Bank National Association, Member FDIC.

Learn more about the Polaris Visa card Rewards Program Terms and Conditions (PDF).3


1 Consumer Cardholders:
We may add a $10 service charge to the Purchase balance of the Account if you call us to make a payment on your Account and are assisted by a Cardmember Service Representative to make the payment. You will be provided with confirmation of the service charge before the payment transaction is authorized.
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2 U.S. Bank does not charge a fee for mobile banking. Account or transaction fees may apply. Standard messaging and data rates may apply.

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3 Adobe Reader Version 4.0 or higher is required to view PDFs.
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