Smart Rewards

Smart Rewards is sponsored by U.S. Bank Foundation. This opportunity supports mission-aligned projects and measurable outcomes.

Smart Rewards for Checking Accounts | U.S. Bank " data-body="<p>Build toward your financial goals with a U.S. Bank Smartly® Savings account. Once your savings account is open, you may be eligible to apply for additional U. S Bank products.

</p> <div class="button-group"><a href="https://onboarding. usbank. com/access/usbank-diy-sav4a" class="button secondary medium" aria-label="Open an account for Bank Smartly Checking">Apply for a savings account</a> <a href="/content/usbank/us/en/bank-accounts/savings-accounts/bank-smartly-savings.

html" style="text-decoration: none;"> Learn about Bank Smartly Savings</a></div> " data-firstButton="Close"> SMART REWARDS FROM U.S. BANK Smart Rewards® now. Even more rewards later. You’re automatically enrolled in our complimentary Smart Rewards program when you open a U.S. Bank Smartly® checking account.

Earn more bank rewards, discounts, and fee waivers as your Combined Qualifying Balances grow . Open a Bank Smartly Checking account Banking smarter is simple with fewer fees, greater benefits and digital tools, yours from day one. Say goodbye to fees and hello to Smart Rewards® from your first deposit.

Waive the $12 Monthly Maintenance Fee for Bank Smartly® Checking for the first two statement periods. 1 Learn how to easily continue the fee waivers First two non-U.S. Bank ATM transaction fees are waived. 3 4 Waive the $5 Monthly Maintenance Fee 2 on U.S. Bank Smartly® Savings when you have Bank Smartly® Checking.

U.S. Bank Overdraft Fee Forgiven 5 and Overdraft Protection Transfer Fees waived. 6 Manage your finances with free digital tools. Learn more about digital tools Complimentary Greenlight 7 family account.

It’s the fun way to teach kids money smarts. See why kids love Greenlight Perks and more perks. You get even more benefits right from the start.

Unlock higher rates on your Bank Smartly® Savings account 8 0. 50% discount on Home Equity Loan and/or Personal Loan when set up with autopay from a U.S. Bank account 10 Take 0.

25% of your new mortgage loan amount and deduct it from closing costs, up to a maximum of $1,000 11 Trade online with $0 commissions 12 on stocks and ETFs with self-directed investing through U.S. Bancorp Advisors 13 Access to debit card cash-back deals 14 Access to our U.S. Bank Vehicle Marketplace “A checking account with rewards? Tell me more.

” Smart Rewards® is our five-tiered bank rewards program that is complimentary with your Bank Smartly® Checking account. Enjoy progressively greater benefits based on your Combined Qualifying Balance. You’re automatically eligible for either the Bronze Tier, Silver Tier, Gold Tier, Platinum Tier or Platinum Plus Tier.

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Estimate your balances to find your rewards How much money do you have in your Combined Qualifying Balances? Combined Qualifying Balances include consumer or trust accounts where the account is open and in good standing and you are an account owner. <br /><br />Note: See disclosures below for additional information on eligible account types.

</p>"> Combined Qualifying Balances include consumer or trust accounts where the account is open and in good standing and you are an account owner. Note: See disclosures below for additional information on eligible account types. Do you belong to one of the following age groups?

(optional) Are you a member of any of the following customer groups? Select all that apply. (optional) Military (Veteran and active duty) Alliance (including State Farm®) Workplace banking participating employer Please choose customer groups You may qualify for more rewards.

If you are a member of one of the following customer groups, you’re automatically eligible for additional services and rewards tailored to meet your needs.

$12 Monthly Maintenance Fee waived on every U.S. Bank Smartly® Checking account 1 50% discount on personal check re-orders (U.S. Bank logo or personal) 9 and annual safe deposit box rental fee* Young Adults (age 18 to 24) $12 Monthly Maintenance Fee waived on every U.S. Bank Smartly® Checking account 1 ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period 3 4 Wire Transfer Fees waived for the first two incoming wires per U.S. Bank Smartly® Checking statement period Learn how to open your first bank account $12 Monthly Maintenance Fee waived on every Bank Smartly Checking account 1 ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period 3 4 $5 Monthly Maintenance Fee waived on every U.S. Bank Smartly Savings accounts* 2 Learn how to open an account for a minor Military (veterans and active duty) When an owner on an account is a member of the Military Customer Group, all other account owners receive Military Customer Group Benefits on that account.

$12 Monthly Maintenance Fee waived on every Bank Smartly Checking account 1 ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period 3 4 Non-U.S. Bank ATM Surcharge reimbursed for the first fee charged by ATM Owner (one per statement period, domestic only) 3 4 $10 Monthly Maintenance Fee waived on all Elite Money Market accounts with a U.S. Bank Smartly® Checking account Exclusive cash-back deals across top merchants/categories with an eligible and open U.S. Bank Personal Credit Card or Debit Card 23 Unlimited fee waivers for: Cashier’s Check fees*, Personal Money Order fees*, Stop Payment fees 50% discount on personal check re-orders (U.S. Bank logo or personal) 9 U.S. Bank IRA Annual Fee waiver 15 Learn more about military banking Learn how U.S. Bank supports the military community Workplace-Financial Wellness Program $12 Monthly Maintenance Fees waived on every U.S. Bank Smartly® Checking account 1 ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period 3 4 50% discount on personal check re-orders (U.S. Bank logo or personal) 9 Alliance (including State Farm®) Alliance (including State Farm® 17, 18 ) benefits are contingent on opening accounts through the Alliance partner channels.

Products directly opened at U.S. Bank are not eligible for the Alliance Customer Group benefits.

$12 Monthly Maintenance Fee waived for Bank Smartly Checking accounts when you are an owner of a personal State Farm credit card 1 27 $10 Monthly Maintenance Fee waived on all new Elite Money Market accounts, for twelve months from the money market account open date 19 $10 Monthly Maintenance Fee waived on all Elite Money Market accounts with a U.S. Bank Smartly® Checking account ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period 3 4 Exclusive cash-back deals across top merchants/categories with an eligible and open U.S. Bank Personal Credit Card 23 Wealth Management benefits 20 include: Premier service including: – Access to a dedicated team of wealth professionals with planning, investment and banking expertise 20 – Dedicated concierge phone support – Market and economic updates – Exclusive event invitations Access to custom lending solutions and pricing, including Liquid Asset Secured lines of credit and Mortgage Relationship Based Pricing 21 Higher money movement limits Immediate access to your funds 22 Non-U.S. Bank ATM Surcharge reimbursed for the first four fees charged per statement period by an ATM Owner (domestic only) 3 4 Complimentary Wealth Management-branded personal checks 9 Learn about our Wealth Management services U.S. Bank Global Transition Solutions U.S. Bank Global Transition Solutions customer group currently has limited availability through qualifying referral partner programs (e.g. MUFG Bank).

$12 Monthly Maintenance Fee waived on every Bank Smartly® Checking account 1 $10 Monthly Maintenance Fee waived on all Elite Money Market accounts with a U.S. Bank Smartly Checking account Exclusive cash-back deals across top merchants/categories with an eligible and open U.S. Bank Personal Credit Card 23 ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period 3 4 Wire Transfer Fees waived for the first two incoming wires per U.S. Bank Smartly® Checking *A Bank Smartly® Checking account and/or Smart Rewards® participation are not required to qualify for these benefits.

Find your tier. See your rewards. To determine which tier is yours, estimate your Combined Qualifying Balance.

Common questions about Smart Rewards® What is a rewards checking account? A rewards checking account offers perks like cash back or points, no monthly fees or a higher interest rate on balances if you meet certain requirements.

Unlike a standard checking account, this type of account typically requires meeting specific monthly criteria, such as a minimum number of debit card transactions or a qualifying direct deposit, to earn the rewards. Smart Rewards does the same thing. You earn greater rewards as you move up through our five-tiered program.

See how it works. Are bank rewards the same at every bank? Bank rewards differ from one financial institution to another.

The U.S. Bank Smart Rewards® program has five tiers based on the Combined Qualifying Balances of all your eligible U.S. Bank accounts. As your balances grow, you automatically move up to the next tier. The higher the tier, the bigger the benefits.

With the U.S. Bank Smart Rewards® program, several benefits are immediately available within five business days upon opening your Bank Smartly® Checking account: Monthly Maintenance Fee waived for the first two statement periods 1 Overdraft Protection Transfer Fee waiver 6 First two Non-U.S. Bank ATM Transaction Fees waived 3 4 Access to debit card cash-back deals 14 When will my Smart Rewards® benefits become active?

You're automatically enrolled in Smart Rewards as soon as your checking account is opened. You'll be assigned to a Smart Rewards tier within the first five business days based on the Combined Qualifying Balances of all your eligible U.S. Bank accounts. Are there fees associated with the U.S. Bank Smart Rewards® program?

Smart Rewards® does not have a fee and comes automatically with your Bank Smartly Checking account. Enrolling in Smart Rewards® How do I enroll in U.S. Bank Smart Rewards®? Do I need to have a U.S. Bank checking account to join Smart Rewards®?

Yes, you’ll need to open a Bank Smartly Checking account in order to take part in this rewards program. U.S. Bank Smart Rewards® tiers What are the U.S. Bank Smart Rewards® tiers? U.S. Bank Smart Rewards® consists of five tiers that offer progressively greater benefits based on your Combined Qualifying Balance across eligible accounts.

The tiers are: Each tier provides benefits and rewards to help you bank smarter now and in the future as your needs change. As your Combined Qualifying Balance grows, you automatically move up to the next tier of bank rewards. Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

What accounts are included in my Combined Qualifying Balance (CQB)? The following products offered by U.S. Bank and its affiliates are eligible for inclusion in your CQB: Consumer checking, money market, savings, Certificates of Deposit (CDs), and/or Individual Retirement Accounts (IRAs) Personal Trust accounts 24 U.S. Bancorp Advisors 13 brokerage accounts Note: Business and commercial products are never eligible.

Qualified Balance: Funds on deposit in an eligible product, where you have an ownership interest, are counted towards your CQB. Examples of eligible customer to account relationship types, include, but are not limited to: Individual owner, joint owner, principal non-signer. Conversely, funds on deposit in an eligible product that do not grant ownership interest, are not counted towards your CQB.

Examples of ineligible customer to account relationship types, include, but are not limited to: Trustee (IFI) 25 , Grantor (GRT) 26 , all Irrevocable Trust roles, Payable on Death, Representative Payee, Guardian. What are the required combined balances for each tier? The Combined Qualifying Balance requirements for each tier are as follows: Bronze tier: $0 - $4,999.

99 Silver tier: $5,000 - $24,999. 99 Gold tier: $25,000 - $49,999. 99 Platinum tier: $50,000 - $99,999.

99 Platinum Plus tier: $100,000+ How does Smart Rewards® determine whether I should be upgraded or downgraded to a different tier? If your daily Combined Qualifying Balance (CQB) 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 CQB, or the calculated monthly CQB qualifies you for a higher or lower tier.

Tier downgrades will only occur at the end of every month. If the Bank Smartly Checking account is closed, the Smart Rewards benefits will cease. Open a U.S. Bank Smartly® Checking account and you’re automatically enrolled in Smart Rewards for free.

Open a Bank Smartly Checking account Start of disclosure content 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 Advisors, and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique.

Clients should consult their tax or legal advisor for advice and information concerning their particular situation. U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Advisors, LLC.

Start of disclosure content Return to content, Footnote Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date.

Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card.

All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

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.

Bank Smartly Savings account Monthly Maintenance Fee: The $5 monthly maintenance fee is waived when you are an owner 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.

This means that you may be charged more than one ATM Transaction fee at a Non-U.S. Bank ATM during a single ATM session. 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. U.S. Bank Overdraft Fee Forgiven Program - 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 business 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.

Overdraft Protection Transfer Fees are waived on U.S. Bank Smartly Checking accounts. 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. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven.

No Overdraft Protection Transfer Fee(s) will be charged for transfers from linked deposit accounts. 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.

Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. The Greenlight Mastercard is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International.

The interest rates and APYs, including any applicable rate bumps, are current as of today's date. An initial deposit of at least $25 is required to open an account. Interest rates and APYs, including any applicable rate bumps, are variable and subject to change at the bank’s discretion at any time, including after the account is opened.

Eligibility for an interest rate bump : An interest rate bump is applied to a U.S. Bank Smartly® Savings account when at least one account holder maintains a valid and in-good-standing eligible product. U.S. Bank Smartly Savings accounts without a qualified and eligible associated denoted product will not receive an interest rate bump. The interest rate bump will vary based on Combined Qualifying Balances (CQB).

One of the following eligible and in-good-standing products must be maintained: U.S. Bank Smartly® Checking U.S. Bank Smartly™ Visa Signature® Card What eligible products are included in your CQB: The following products offered by U.S. Bank and its affiliates are eligible for inclusion in your CQB: Consumer checking, money market, savings, Certificate of Deposits (CDs), and/or Individual Retirement Accounts (IRAs) U.S. Bancorp Advisors brokerage accounts Note: Business and commercial products are never eligible.

Qualified Balance: Funds on deposit in an eligible product, where you have ownership interest, are counted towards your CQB. Examples of eligible customer to account relationship types, include, but are not limited to: Individual owner, joint owner, principal non-signer. Conversely, funds on deposit in an eligible product that do not grant ownership interest, are not counted towards your CQB.

Examples of ineligible customer to account relationship types, include, but are not limited to: Trustee (IFI), Grantor (GRT), all Irrevocable Trust roles, Payable on Death, Representative Payee, Guardian. How is your CQB calculated: For jointly owned U.S. Bank Smartly Savings accounts, each owner’s qualifying balances will be reviewed.

The interest rate bump and balance range information will be visible to all owners on the joint account. There are two CQB calculations completed for every customer.

Monthly – Upon the opening of your first account, and thereafter at the beginning of each calendar month, your historical average CQB is calculated by summing all available previous days qualified balances and dividing by the number of days since the first eligible product was opened (90 calendar day maximum). Daily – Each day your CQB is calculated by totaling your end of day qualified balance on deposit in an eligible product .

How is your Smartly Interest Rate Bump Tier determined: After the eligible product verification is completed, on the next business day we will determine your Smartly Interest Rate Bump Tier. Your tier is based on the better of your daily or monthly CQB calculation. Once a tier has been assigned to you, it will not be downgraded for the remainder of that calendar month.

However, at any point during a calendar month, you may receive a tier upgrade based upon your daily CQB. Assignment of an initial tier, monthly tier upgrade or downgrade, and/or daily tier upgrades generally are applied within five business days. For individually owned U.S. Bank Smartly Savings accounts, the tier is determined by the individual owner's tier.

For jointly owned U.S. Bank Smartly Savings accounts, the tier is set according to the highest tier held by any account owner. All account holders will be able to view the designated account tier. If you have multiple U.S. Bank Smartly Savings accounts, the applicable tier on each account may vary depending on its ownership structure.

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 at any time. 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. When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days.

Additional shipping fees may apply if expedited or shipped outside the continental United States. Does not apply to loans or lines booked directly with U.S. Bank Wealth Management. 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 No trading fees applies to online equity trades, exchange traded funds (ETFs), closed-end funds and no-load mutual funds. For options, there is a fee of $4.

95 per order, plus $1. 00 per contract. Mutual funds with sales loads are subject to applicable sales charges according to the prospectus.

Find out more about fee information on our self-directed brokerage fees page . 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. Smart Rewards qualifying balance information includes affiliated U.S. Bancorp Advisors (USBA) components, which is being translated for your convenience. USBA offers its products primarily in English and may not be able to offer certain products in a particular foreign language.

Cash-back deals are currently available for personal debit and credit cards only. Business debit and credit cards are not eligible at this time. Maintaining an open U.S. Bank Smartly ® Checking account in the Smart Rewards ® Gold Tier, at a minimum, is required to waive the IRA annual fee.

The IRA annual fee waiver applies to U.S. Bank IRAs only. Fee waiver does not apply to Personal Trust IRAs. 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. 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 customers.

Valid if the customer maintains an Elite Money Market account only (without 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. Contact your Wealth Management Banker for more information.

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

Trustee (IFI) - The person(s) or entity are serving in the capacity of trustee(s) but are not grantor(s). The trustee typically manages the assets of the trust account and distributes property according to the terms of the trust document. The IFI description applies to deposit accounts at U.S. Bank.

Grantor (GRT) - The individual(s) who created the trust. Grantors may also be referred to as the settlor or trustor. Grantors may also serve as the trustee(s) of the trust.

The GRT description applies to deposit accounts at U.S. Bank. The State Farm credit card must be open, in good standing (not past due or over the limit) on the closing date of the billing cycle to earn and redeem rewards and benefits, and you are an account owner. If the State Farm credit card is closed at any time, you will no longer be eligible for the Monthly Maintenance Fee waiver associated with this card.

No limitation on the number of U.S. Bank Smartly Checking accounts that can receive this benefit. Start of disclosure content The U.S. Bank Visa ® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. 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.