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Personal Banking
================
Earn higher yields on your tax refund.
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U.S. Bank Smartly® Savings is a great way to grow your money.
[Open an account](/bank-accounts/savings-accounts/bank-smartly-savings.html?icid=PB_75596) [Learn more](/bank-accounts/savings-accounts/bank-smartly-savings.html?icid=PB_75597)
Access your account.
[Go to login](https://onlinebanking.usbank.com/auth/login/) [Enroll in online banking](https://auth.usbank.com/enroll/user?tenantId=USB&appId=RETAIL&channelId=WEB#/VerifyEnrollment)
Digital Banking
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### Access your digital tax documents
We have you covered this tax season. Access all your documents in the 
U.S. Bank Mobile App or Online Banking.
[Log in](https://onlinebanking.usbank.com/auth/login/?icid=PB_76797)
Bank Smartly® Checking
----------------------
### Checking that helps you spend and save wisely
[Open an account](/bank-accounts/checking-accounts/bank-smartly-checking.html?icid=PB_75593)
Student Scholarship
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### You could win up to $20,000 for school.
[Learn how](/about-us-bank/community/student-scholarship.html?icid=PB_76798)
* [
Credit cards
](/credit-cards.html)
* [
Checking accounts
](/bank-accounts/checking-accounts.html)
* [
Savings accounts
](/bank-accounts/savings-accounts.html)
* [
CD accounts
](/bank-accounts/savings-accounts/certificate-of-deposit.html)
* [
Mortgage
](/home-loans/mortgage.html)
* [
Investing
](/investing.html)
### Banking smarter is easier than ever.
Unlock more benefits and rewards plus track your money in one app when you open a checking account.
Apply in minutes with just $25.
[Open a checking account](/bank-accounts/checking-accounts/bank-smartly-checking.html?icid=OTHI_57218)
Access us wherever you go.
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### Bank from almost anywhere with the U.S. Bank Mobile App.
* Transfer money between your accounts.
* Deposit checks.
* Manage and pay bills.
* Send, receive and request money.
[Download the app](/online-mobile-banking/mobile-banking.html#gettheapp)
* ### Branches & ATMs
[Search locations](https://www.usbank.com/locations/search/)
* ### Online banking
[Log in to your account(s)](https://onlinebanking.usbank.com/Auth/Login)
* ### 24-hour banking
[Call 800-USBANKS (872-2657)](tel:8008722657)
* ### Appointments
[Make an appointment](/about-us-bank/customer-service/schedule-appointment.html)
Borrowing money is a big deal. We’re ready to help.
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From calculators and rate charts to get you started, to experienced loan officers and bankers, U.S. Bank has answers for all your loan and mortgage questions.
### Home mortgage
[Learn more](/home-loans/mortgage.html) [Calculate your mortgage payment](/home-loans/mortgage/mortgage-calculators.html)
### Auto loan
[Learn more](/vehicle-loans/auto-loans.html) [Calculate your auto loan payment](/vehicle-loans/auto-loans/payment-calculator.html)
### Home equity line of credit
[Learn more](/home-loans/home-equity.html) [Calculate your home equity rates](/home-loans/home-equity/home-equity-rate-and-payment-calculator.html)
Happening now
-------------
### Fund your goals
#### Wondering about personal lines of credit? Here's what to know.
[Pros and cons](/financialiq/manage-your-household/personal-finance/pros-and-cons-personal-line-of-credit.html?icid=HPC_72479)
### Kids and money
#### 5 important ways to boost kids' money confidence
[Here's how](/financialiq/manage-your-household/personal-finance/teaching-gen-z-financial-literacy.html?icid=HPC_72480)
### Life seasons
#### How to fine-tune your finances as an empty nester
[See tips](/financialiq/plan-your-future/retirement/empty-nest.html?icid=HPC_72481)
Start of disclosure content
Disclosures
-----------
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.
U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
**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](https://www.finra.org/) and [SIPC](https://www.sipc.org/), an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.
**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, Inc.
U.S. Bank does not offer insurance products. Insurance products are available through our affiliate U.S. Bancorp Investments.
Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.
The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.
Fortune, ©2024 Fortune Media IP Limited. All rights reserved. Used under license. Fortune® is a registered trademark and Fortune World’s Most Admired Companies™ is a trademark of Fortune Media IP Limited and are used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of, U.S. Bancorp, N.A.
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