U.S. BANK SMART REWARDS^®

Disclosures

1. 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.

2. 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.

3. Exclusive U.S. Bank Smart Reward^® cash back deals are available to U.S. Bank personal credit card members whose accounts are open and in good standing (not past due or overlimit) who: (1) have a U.S. Bank Smartly^® Checking account which automatically enrolls the account in Smart Rewards; and (2) qualify for the Silver Tier of the program or higher. In addition, exclusive U.S. Bank Smart Rewards® cash back deals are available regardless of tier qualification to U.S. Bank personal card member who identify as part of the following Customer Group segments: Military, Alliance (Including State Farm), Global Transition Solutions (formerly Referral Banking) and U.S. Bank Employees. 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 automatic 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 1-2 billing cycles to the card or account used to complete the deal.

4. 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. Overdraft Protection Transfer Fees are waived on Bank Smartly Checking accounts.

   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.
   

5. 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.

6. Members of the military (requires self disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients ages 24 and under 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.

7. 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.