Consumer Pricing Information Addendum

(Beginning January 6, 2025, this is a required accompaniment to the November 12, 2024 Consumer Pricing Information
disclosure)

Effective February 10, 2025, please review updates made to the Consumer Pricing Information disclosure
which may affect your rights.
Beginning January 6, 2025, you can review the full revised disclosure at
usbank.com/CPI-upcoming-version, by calling 24-Hour Banking at 800-USBANKS (872-2657) or by visiting
your local U.S. Bank branch. We accept relay calls.
Here’s what you should know:
• For the U.S. Bank Smart Rewards®, adding clarification that the Grantor only (GRT) and Trustee &
Grantor – Irrevocable Trust (TRG) relationships do not qualify.
• For the Smart Rewards credit account qualification, adding clarification that the home equity line of
credit account is for standard home equity lines of credit only.
• For the U.S. Bank Smartly® Savings interest rate bump, adding clarification that for irrevocable trust
accounts, Grantor only (GRT) and Trustee & Grantor – Irrevocable Trust (TRG) relationships do not
qualify.
Great news on your U.S. Bank Smartly® Savings account:
We’ve enhanced the way we determine the interest rate bump tier so that when you qualify for a higher tier,
you start earning sooner:
• For the Combined Qualifying Balance that is calculated monthly, we moved to a rolling 90-day average
calculation.
• We’ve started calculating an aggregated daily balance for all qualifying accounts that is reviewed daily
to determine whether you qualify for a higher tier.
• At account opening and every month, the higher of these two balances (daily and monthly) are used to
determine your interest rate bump tier.
Here's how it works in more detail:

First, at the end of each month an average Combined Qualifying Balance is calculated. The balance is based
on a 90-day average balance for all qualifying accounts and is calculated by adding together the end of day
ledger combined balances for every day in the last 90 days and dividing the total by:

1. 90 calendar days, or
2. the number of days since opening an initial qualified account

Next, the Smartly Interest Rate Bump tier that is applied to your U.S. Bank Smartly Savings account is
determined by one of two potential calculations:

1. For the initial evaluation after opening your first qualifying account and at the beginning of every
calendar month thereafter, we will apply the Smartly Interest Rate Bump tier based upon the average
Combined Qualifying Balance (as described above).
 2. In addition, we will review the Combined Qualifying Balances on a daily basis to determine whether
you qualify for a higher Smartly Interest Rate Bump tier based upon the day’s Combined Qualifying
Balances.

If your daily Combined Qualifying Balances 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
Combined Qualifying Balances, or the calculated monthly Combined Qualifying Balance qualifies you for a
higher or lower tier.

If you have questions, please call us at 800-USBANKS (872-2657) – we’re available to help! You can also
schedule an appointment at usbank.com/book to speak with a banker in person, by phone or virtually.

2
Personal Banking
Consumer Pricing Information
Effective November 12, 2024

Something for everyone

All U.S. Bank personal checking accounts1 include:
– Mobile and online banking with free credit score access2 – Send money with Zelle®5
– Mobile check deposit3 – Email and text alerts6
– Bill pay4 – U.S. Bank Visa® Debit Card

We’re ready to help 24 hours a day, 7 days a week – get in touch.

Branch and self-service7 ATM locations 800-USBANKS (872-2657)
– Branches in more than 25 states We accept relay calls.
Outside the U.S. 503-401-9991 (call collect)
– One of the largest ATM networks in America
– Access your accounts at thousands of additional
partner8 ATMs nationwide Scan here with your mobile
– No surcharges at MoneyPass® Network ATMs9 device to download the
– Find a branch or ATM near you in the app or at U.S. Bank Mobile App.
locations.usbank.com.

usbank.com

1. A minimum deposit of $25 is required to open a U.S. Bank personal checking account.
2. Free credit score access, alerts and Score Simulator through TransUnion’s CreditView Dashboard® are available to U.S. Bank online and mobile banking clients.
Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from
TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.
3. Eligibility requirements and restrictions apply. Contact a U.S. Bank branch to obtain the Digital Services Agreement for more information.
4. Safe Debit accounts are not eligible for automatic payments or expedited delivery and can only pay billers listed in our system who accept electronic payment.
5. Must have a bank account in the U.S. to use Zelle®. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are
used herein under license.
6. For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that the alerts may not
be sent immediately.
7. Self-service devices enable consumers to select and conduct banking services.
8. U.S. Bank has established alliances to expand ATM convenience. These partner ATMs display the U.S. Bank logo and are included in the definition of a U.S. Bank ATM.
9. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.

Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products are offered by U.S. Bank National
Association and are subject to credit approval. ©2024 U.S. Bank. 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. 1082903
41862 11/24
CHECKING ACCOUNT OPTIONS

U.S. BANK SMARTLY® CHECKING SAFE DEBIT ACCOUNT1

Minimum Opening
$25 $25
Deposit2

Monthly
$6.95 $4.95
Maintenance Fee

Requirement to Monthly Maintenance Fee waived with one Monthly Maintenance Fee
Waive Monthly of the following: cannot be waived
Maintenance Fee • Combined monthly direct deposit
totaling $1,000+, or
• Average account balance of $1,500

or greater,3 or
• Presence of an eligible personal U.S. Bank

credit card4

Interest Tiers5 less than $1,500

$1,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $99,999.99 None
$100,000 to $249,999.99
$250,000 to $499,999.99
$500,000 and above

ATM Transactions • No ATM transaction fees at U.S. Bank ATMs • No ATM transaction fees at U.S. Bank ATMs
• Non-U.S. Bank ATM transaction fees apply6 • Non-U.S. Bank ATM transaction fees apply6

1. No checks issued/use of checks is not permitted. Safe Debit account subject to terms and conditions and fees and charges for select services. Please refer to the
U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.
2. Accounts opened through online, mobile or phone banking must have an opening deposit, or the account will close after 30 days. Once the opening deposit has been made, to
keep an account open it must have a positive balance or deposit/withdrawal activity. An account will automatically close if it has a zero balance and no
deposit/withdrawal activity for four consecutive months.
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. Qualifying accounts include personal U.S. Bank open and activated credit cards in good standing and you are an account owner. This benefit may take up to 5 business days
to be applied after credit card activation. Credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual
fees. No limitation on Bank Smartly® checking accounts with this benefit.
5. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information.
6. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 2
CHECKING ACCOUNT OPTIONS (Continued)

U.S. BANK SMARTLY® CHECKING SAFE DEBIT ACCOUNT1

Check Printing Fee • 50% discount on initial box of personal checks2

Greenlight Account • Complimentary Greenlight account, a family

money app for kids and teens with debit
card(s)3

Savings Account Monthly Maintenance Fee waiver on all U.S. Bank Smartly Savings accounts

Additional Features • U.S. Bank Overdraft Fee Forgiven4 • No checks

• Take 0.25% of your new first mortgage loan • No overdraft fees
amount and deduct it from the closing costs, • Discount on money orders
up to a maximum of $1,0005
• 100 Free Trades6 per calendar year with

a self-directed brokerage account,

exclusively through our affiliate,
U.S. Bancorp Investments*

1. No checks issued/use of checks is not permitted. Safe Debit account subject to terms and conditions and fees and charges for select services. Please refer to the
U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.
2. 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.
3. 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 terms at greenlight.com/terms for additional
information. Offer subject to change.
4. 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 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 ATM, 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 for full funds availability details.
5. 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.
6. Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless
documents for self-directed brokerage account. Free trades made available up to four business days from confirmation of account funding. This offer is not designed to
support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of
Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
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
*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 and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are
available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License
#0E24641. U.S. Bank Smartly Checking benefit information includes affiliated U.S. Bancorp Investments (USBI) components, which is being translated for your convenience. USBI
offers its products primarily in English and may not be able to offer certain products in a particular foreign language.
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.
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.
©2024 U.S. Bank. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 3
U.S. Bank Smart Rewards® (U.S. Bank Smartly® Checking only, Safe Debit is not eligible)

The U.S. Bank Smart Rewards offers unique benefits Earn More Benefits - Rewards Tier Reviews
based on your relationship with U.S. Bank and its affiliates, • Tier reviews occur to appropriately assign your account
driven by the amount of qualifying balances. Benefits may into a tier based on your relationship with U.S. Bank, driven
include waivers of common fees as well as discounts on by qualifying balances, credit product relationships or any
other U.S. Bank products. relevant customer group qualifications.
Qualifying Consumer Balances • Your initial review will be based on your total qualifying
Qualifying balances include consumer accounts where balance the business day after your consumer checking
the account is open and you are an account owner. account is enrolled in Smart Rewards.
Note: Balances in business accounts, commercial accounts • Ongoing reviews occur after the end of every month to
and the Trustee only (IFI)1 client relationship do not qualify. determine if an account qualifies for a tier upgrade. The
• Checking accounts monthly average balance for each qualifying account will
• Money Market savings accounts be calculated by totaling the daily end of day balances then
• Savings accounts dividing by the number of days in the month (or days since
• CDs and/or IRAs account opening within the month). Up to three months of
• U.S. Bancorp Investments2 Accounts
average monthly balances for each account will be added
• U.S. Bancorp Advisors3 Accounts
together and then divided by the number of months to
calculate the combined monthly average balance for the
• Personal Trust Accounts4
account. The combined monthly average balance for all
How it works accounts will be added together to determine the balance
• To enroll in Smart Rewards, you must have a Bank Smartly used to qualify for the tier.
Checking account. Enrollment is required to participate in The Smart Rewards Tiers and Benefits grid on pages 5
Smart Rewards. You can enroll through online and mobile and 6 shows the tier assignments by qualifying balance.
banking, 24-Hour Banking, or by visiting your local branch. • After the end of each calendar year, the combined monthly
If you choose not to enroll in the program you will not be
eligible for the benefits included in the Smart Rewards average balance for each account will be calculated
Tiers and Benefits grid as defined on pages 5 and 6. using up to 12 months of balances. The combined
monthly average balance for all qualifying accounts will
– If you qualify for any of the following customer groups
be added together to determine the balance used for
you will be automatically enrolled in the program:
Military (requires self-disclosure), Senior, Youth, Young the tier assignment. The annual review may lead to a tier
Adult, Alliance and Global Transition Solutions.5 If you upgrade or downgrade. The annual review balance will be
are a part of a customer group, see the Customer compared to the balance calculated from the December
Group Benefits section for a list of automatically applied monthly review and the balance resulting in the highest tier
benefits. If you qualify for more than one customer group, placement will be used.
you will receive benefits from all the applicable customer • Reviews associated with the customer groups are ongoing
groups. If there is an overlap in the benefit category, the
(daily) and upgraded benefits will generally occur within
highest value benefits will be automatically applied.
five business days. If your customer group changes for
• There is no cost for the program, and you may unenroll
any reason, this may impact your tier (upgrade or
from the program at any time using the same channels for
downgrade) and/or any benefits outside of the standard
enrollment (described above).
annual reviews.
• If all qualifying Bank Smartly Checking accounts are closed
• U.S. Bank will notify you if your tier is changing (upgrade
or you are no longer an account owner, you will not be
eligible for Smart Rewards. or downgrade).
1. Trustee (IFI) – The person(s) or entity managing trust assets and distributing property according to the terms defined within the trust document.
2. 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 and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are
available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License
#0E24641. U.S. Bank Smart Rewards qualifying balance information includes affiliated U.S. Bancorp Investments (USBI) components, which is being translated for your
convenience. USBI offers its products primarily in English and may not be able to offer certain products in a particular foreign language.
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 and U.S. Bancorp Advisors.
3. 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 products are offered by USBA Insurance Services, a
dba of U.S. Bancorp Advisors, CA Insurance License #6011694. Products may not be available in all states.
4. 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.
5. Military group requires notification to U.S. Bank to enact the status and is inclusive of both current and former members. Youth, Young Adult, and Senior groups will
automatically be applied based on birth date. Applicable ages; Youth (13-17), Young Adult (18-24), and Senior (65 or over).
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

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. ©2024 U.S. Bank
Consumer Pricing Information | Effective November 12, 2024 | page 4
U.S. Bank Smart Rewards® (U.S. Bank Smartly® Checking only, Safe Debit is not eligible), Continued

Additional Information
• Application of benefits: After you enroll and upon monthly tier reviews, benefit changes will generally occur within

five business days. For tier downgrades or loss of a customer group, we will give advance notice before the change occurs.
• Qualification for benefits is at a client level, and then are applied to the impacted products you own or other fee waivers

provided by your customer group benefit (if applicable).

– If you have a joint account, the highest tier across account owners will be applied to the joint account.
– In the event of a change to a client tier, notices of changes will only be provided to the client with the change.
This means an account you own jointly may be impacted and you may not receive notice of the change. You may check
the tier of any deposit account online, by calling 24-Hour Banking, or by contacting your local branch.
• A tier or customer group change for any account owner may have potential impact to account benefits for all account owners.

SMART REWARDS® TIERS AND BENEFITS

PRIMARY PLUS PREMIUM PINNACLE

$100,000 - $250,000
Tier Balance Qualification $20,000 - $49,999.99 $50,000 - $99,999.99
$249,999.99 or more
Credit Account Presence of a U.S. Bank home
Qualification mortgage, home equity loans,
home equity lines of credit
or unsecured personal loans
(excluding U.S. Bank credit
cards, personal unsecured
lines of credit, student loans
and Simple Loans)

U.S. Bank Smartly® Checking

$6.95 – waived
Monthly Maintenance Fee

Interest Tiers1 less than $1,500

$1,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $99,999.99
$100,000 to $249,999.99
$250,000 to $499,999.99
$500,000 and above

ATM Transactions No ATM transaction fees at U.S. Bank ATMs

Non-U.S. Bank ATM Fee ATM transaction fees ATM transaction fees All ATM transaction fees waived
charged by U.S. Bank2,3 waived on first two waived on first four for Non-U.S. Bank
Non-U.S. Bank ATM Non-U.S. Bank ATM ATM transactions
transactions per statement transactions per
period (Non-U.S. Bank ATM statement period
transaction fees apply (Non-U.S. Bank ATM
after two) transaction fees apply
after four)
1. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information.
2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.
3. 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.

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. ©2024 U.S. Bank
Consumer Pricing Information | Effective November 12, 2024 | page 5
SMART REWARDS® TIERS AND BENEFITS (Continued)

PRIMARY PLUS PREMIUM PINNACLE

Non-U.S. Bank ATM First fee First fees reimbursed Fees reimbursed
Surcharge charged by reimbursed (up to four per (unlimited)
ATM Owner (one per statement period)
(Domestic only) statement period)

Fee Waiver Benefit Unlimited waivers on fees Unlimited waivers on fees

assessed for the following: assessed for the following:
• Counter Checks • Counter Checks

• Personal Money Orders • Personal Money Orders

• Cashier’s Checks • Cashier’s Checks
• Stop Payments • Stop Payments
• Wire Transfers
One Wire Transfer Fee is
waived per statement period

Check Printing Fee 50% discount on initial box of 50% discount on initial box of personal checks
personal checks1 50% discount on re-orders (U.S. Bank logo or personal)1

Overdraft Benefits • Overdraft Fee Forgiven2 • Overdraft Fee Forgiven2 • Overdraft Fee Forgiven2
• OverdraftProtection Transfer • Overdraft Protection • Overdraft Protection
Fees waived3 Transfer Fees waived3 Transfer Fees waived3
• One Overdraft Paid • AllOverdraft Paid
Fee4 waived per Fees waived
statement period

1. 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.
2. 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 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 ATM, 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 for full funds availability details.
3. 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 $50.00. If,
however, the negative Available Balance is $5.00 or less, the amount advanced will be $5.00. The Overdraft Protection Transfer Fee is waived if the negative Available Balance
in your checking account is $50.00 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. Refer to Your Deposit Account Agreement, section titled Overdraft Protection Plans, for additional information.
4. 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.

Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National Association
and are subject to credit approval. ©2024 U.S. Bank
Consumer Pricing Information | Effective November 12, 2024 | page 6
OTHER PRODUCT BENEFITS
PRIMARY PLUS PREMIUM PINNACLE

Savings or Money Monthly Maintenance Fee waived on all Elite Money Market
Market Account and existing Standard Savings accounts1
5.00% of the 10.00% of the
Standard Savings 15.00% of the standard
standard standard
Interest Rate Lift1, 2 interest rate
interest rate interest rate
IRA Annual Plan3 Annual Fee Waiver

Safe Deposit Discount 50% off annual Safe Deposit Box rental fee4

Home Equity Line of Credit

$25 Discount $50 Discount No Fee
Annual Fee Discount5

Mortgage Origination Take 0.25% of your new first mortgage loan amount and
Credit Benefits6 deduct it from the closing costs, up to a maximum of $1,0006

100 Free Trades7 per calendar year with a self-directed brokerage

Online Investing
account, exclusively through our affiliate, U.S. Bancorp Investments*

Schedule a complimentary financial consultation with a Wealth Management professional at

Financial Consultation
usbank.com/advisor or call 888-620-8770

1. NOTE: The Standard Savings product may no longer be available for sale. Please consult a banker for account details.
2. Standards Savings interest rate Lift applies to existing Standard Savings accounts only. Variable rate account. Interest rates are determined at the bank’s discretion and can change
at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. The interest rate Lift is calculated by
taking your current interest rate and multiplying it by the interest rate Lift. This gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate
Lift applies to standard rates only, it is not applicable for special or promotional rates.
3. Maintaining an open U.S. Bank Smartly® Checking account enrolled in the Smart Rewards® Plus tier, at a minimum, is required to waive the IRA annual fee. The IRA annual fee waiver
does not apply to Personal Trust IRAs.
4. Newly enrolled Smart Rewards clients will not be immediately eligible for Safe Deposit Box discounts. Eligibility will occur when a Smart Rewards tier is assigned, generally
five business days after enrollment.
5. An annual fee may apply after the first year or it may be waived or discounted with enrollment in the Smart Rewards program. To receive the Home Equity Line of Credit annual fee
discount, a U.S. Bank Smartly® Checking account must be open and enrolled in Smart Rewards with a qualifying tier assignment. Discount amounts are determined using your
tier assignment on the anniversary date of your Home Equity Line of Credit. Tier assignments generally occur within five business days after tier review.
6. 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.
7. Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents
for self-directed brokerage account. To receive the free trades, a U.S. Bank Smartly® Checking account must be established. Free trades made available up to four business days from
confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if
there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at
https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
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
*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 and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are available
through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641. U.S. Bank
Smartly Checking benefit information includes affiliated U.S. Bancorp Investments (USBI) components, which is being translated for your convenience. USBI offers its products primarily in
English and may not be able to offer certain products in a particular foreign language.
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.

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. ©2024 U.S. Bank
Consumer Pricing Information | Effective November 12, 2024 | page 7
CUSTOMER GROUP BENEFITS

CUSTOMER GROUP BENEFITS

Military • Automatic enrollment in minimum tier of Plus

• The following fees will have unlimited waivers: Cashier’s Check Fee*, Personal Money Orders*,

Stop Payment Fee

• 50% off annual Safe Deposit Box rental fee*

• 50% discount on personal check re-orders (U.S. Bank logo or personal)1

• If you obtained your U.S. Bank mortgage, loan, line of credit, or credit card prior to being

called to active duty, the Servicemembers Civil Relief Act (SCRA) allows a cap of 6% on the
interest rate and a waiver of all fees while you are on active military duty. Call the
Military Service Center at 800-934-9555 to request this benefit.
• Learn more about how we serve those who serve their country at usbank.com/military

Senior • Waiver of Monthly Maintenance Fee on Bank Smartly Checking

(ages 65 or over) • 50% off annual Safe Deposit Box rental fee*

• 50% discount on personal check re-orders (U.S. Bank logo or personal)1

Young Adult • Waiver of Monthly Maintenance Fee on Bank Smartly Checking

(ages 18-24) • ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement
period (Non-U.S. Bank ATM fees apply after four transactions)2,3
• Two incoming Wire Transfer Fees waived per Bank Smartly Checking statement period

• Waiver of Monthly Maintenance Fee on U.S. Bank Standard Savings4 accounts, for

six months from the savings account open date; no limit*

Youth • Waiver of Monthly Maintenance Fee on Bank Smartly Checking

(ages 13-17) • Waiver of Monthly Maintenance Fee on all U.S. Bank Smartly® Savings or existing Standard
Savings4 accounts; no limit*
• ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement

period (Non-U.S. Bank ATM fees apply after four transactions)2,3

Alliance5 • Automatic enrollment in minimum tier of Primary

(including State Farm®6,7) • ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement
period (Non-U.S. Bank ATM fees apply after four transactions)2,3
• Waiver of Monthly Maintenance Fee on all new U.S. Bank Elite Money Market accounts, for

twelve months from the money market account open date8; no limit*

*A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits.
Business customers and/or business accounts are not eligible for customer group benefits.
1. 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.
2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.
3. 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.
4. NOTE: The Standard Savings product may no longer be available for sale. Please consult a banker for account details.
5. Alliance 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.
6. If you have any questions, please call the State Farm Banking Customer Service at U.S. Bank, 800-890-2233.
7. The Retirement Money Market minimum opening deposit is $100 for State Farm clients.
8. Valid if the client maintains an Elite Money Market account only (without the presence of a Bank Smartly® checking account); Monthly Maintenance Fee waiver starts on account
open date.
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 subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank
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.
Consumer Pricing Information | Effective November 12, 2024 | page 8
CUSTOMER GROUP BENEFITS (Continued)

CUSTOMER GROUP BENEFITS

Wealth Management1 • Premier service including:

– Access to a dedicated team of wealth professionals with planning, investment and
banking expertise
– Dedicated concierge phone support
– Market and economic updates
– Exclusive event invitations
• Access to custom lending solutions, including Liquid Asset Secured lines of credit
• Higher money movement limits
• Immediate access to your funds2
• Complimentary Wealth Management-branded personal checks5

Workplace-Financial • ATM transaction fees waived on first two Non-U.S. Bank ATM transactions per statement
Wellness Program period (Non-U.S. Bank ATM fees apply after two transactions)3,4
• 50% discount on personal check re-orders (U.S. Bank logo or personal)5
• 50% off annual Safe Deposit Box rental fee*

U.S. Bank Global • Automatic enrollment in minimum tier of Primary

Transition Solutions6
(Formally known as
Referral Banking)

*A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits.
Business customers and/or business accounts are not eligible for customer group benefits.

1. For banking clients of U.S. Bank Wealth Management, Private Wealth Management or Ascent Private Capital Management.
2. For more information, refer to Your Deposit Account Agreement, in the section titled Funds Availability.
3. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.
4. 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.
5. 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.
6. U.S. Bank Global Transition Solutions customer group currently has limited availability through qualifying referral partner programs (e.g. MUFG Bank).

Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National
Association and are subject to credit approval. ©2024 U.S. Bank. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 9
SAVINGS ACCOUNT OPTIONS

U.S. BANK SMARTLY® SAVINGS ELITE MONEY MARKET

Minimum
$25 $100
Opening Deposit1

Monthly
Maintenance $5 $10
Fee

Requirement to • Presence of a Bank Smartly® Checking or Safe • $10,000 minimum daily balance,3 or
Waive Monthly Debit account, or • Presence of a Bank Smartly® Checking and
Maintenance Fee • Presence of a U.S. Bank SmartlyTM Visa enrollment in the Smart Rewards® program with
Signature® Card4, or a minimum tier of Primary
• Account holder(s) age 17 or younger5

Interest Tiers2 less than $5,000 less than $10,000

$5,000 to $24,999.99 $10,000 to $24,999.99
$25,000 to $49,999.99 $25,000 to $49,999.99
$50,000 to $99,999.99 $50,000 to $99,999.99
$100,000 and above $100,000 to $499,999.99
$500,000 and above

ATM • No ATM transaction fees at U.S. Bank ATMs • No ATM transaction fees at U.S. Bank ATMs
Transactions • TransactionsNon-U.S. Bank ATM transaction • TransactionsNon-U.S. Bank ATM transaction
fees apply6 fees apply6

1. Accounts opened through online, mobile or phone banking must have an opening deposit or the account will close after 30 days. Once the opening deposit has been
made, to keep an account open it must have a positive balance or deposit/withdrawal activity. An account will automatically close if it has a zero balance and no
deposit/withdrawal activity for four consecutive months.
2. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates,
compounding and crediting, and other balance information.
3. 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.
4. The U.S. Bank SmartlyTM Visa Signature® Card must be open, in good standing (not past due or over the limit) on the closing date of the billing cycle and you are an account
owner. If the U.S. Bank SmartlyTM Visa Signature® 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 Bank Smartly® Savings accounts with this benefit.
5. Account may be assessed the Monthly Maintenance Fee when the account holder reaches 18 years of age. Account holder(s) age 13-17 will receive the monthly
maintenance fee waiver under the Youth customer group. In the event the account holder is not currently a signer on the account the account holder must visit a branch
with the custodian/guardian on the account to gain authority to access account funds.
6. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.

Other conditions and restrictions may apply. Terms may change without notice. 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. ©2024 U.S. Bank
Consumer Pricing Information | Effective November 12, 2024 | page 10
SAVINGS ACCOUNT OPTIONS (Continued)

U.S. BANK SMARTLY® SAVINGS ELITE MONEY MARKET

U.S. Bank •A Bank Smartly Checking, Safe Debit account

Smartly® Savings or a U.S. Bank SmartlyTM Visa Signature® Card is
Interest Rate required to qualify
Bump1 • Variable interest rate bump is added to the

standard interest rate

• Interest rate bump will vary based on combined

qualifying balances*
U.S. Bank • Increase
earning rate when paired with a U.S.
Smartly™ Visa Bank Smartly Savings account
Signature® Card2

*Qualifying Consumer Balances

Qualifying balances include consumer accounts where the account is open and you are an account owner. Note: Balances in
business accounts, commercial accounts and the Trustee only (IFI)3 client relationship do not qualify.
• Checking accounts

• Money Market savings accounts

• Savings accounts

• CDs and/or IRAs

• U.S. Bancorp Investments4 Accounts

• U.S. Bancorp Advisors5 Accounts

• Personal Trust Accounts6

1. The interest rate bump is variable and determined at the bank’s discretion and can change at any time. The interest rate bump is applicable for U.S. Bank Smartly Savings when
at least one account owner maintains an open and in good standing eligible product (Bank Smartly® Checking, Safe Debit account or a U.S. Bank SmartlyTM Visa Signature®
Card). Smart Rewards® enrollment is not required to qualify for this benefit. The interest rate bump is determined by the total combined qualifying balances, as defined above.
The Combined Qualifying Balance is calculated separately for each account owner monthly. For Bank Smartly Savings accounts with multiple owners, the owner with the highest
combined qualifying balance will be used to determine the interest rate bump balance range. First, the average monthly balance for each qualifying account is calculated
separately by adding together the end of day ledger balance for every day in the month and dividing the total by the number of calendar days in that month (or days since
account opening within that month). Next, for each month, the average monthly balance for every qualifying account are added together. The Combined Qualifying Balance used
to determine the interest rate is calculated by adding together the monthly totals for the previous three months and dividing by three (or the number of months available if less
than three). The initial interest rate bump will be determined by the combined qualifying balance the business day after the Bank Smartly Savings account is opened and the
eligible product verification is completed. The interest rate bump is added to the standard interest rate to calculate the interest rate applied to the entire account balance in the
eligible Bank Smartly Savings account generally within five business days from account opening. The initial interest rate bump will be valid until the next monthly balance review
on the first calendar day of each month. The interest rate bump will be adjusted monthly for any changes in qualifying balances and will be valid through the following calendar
month. If the Bank Smartly Savings account is closed, the interest rate bump will cease immediately. If the required eligible product (Bank Smartly Checking, Safe Debit account
or a U.S. Bank SmartlyTM Visa Signature® Card ) is closed but the Bank Smartly Savings account remains open, the interest rate bump will remain valid until the end of the
calendar month. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. Current variable interest rate
bump amount information can be found at usbank.com, by calling 24-Hour Banking at 800-USBANKS (872-2657) or by visiting your local branch. We accept relay calls.
2. To earn rewards at the increased rate, the U.S. Bank SmartlyTM Visa Signature® Card must be open, in good standing (not past due or over the limit) on the closing date of the
billing cycle and you are an account owner. If the U.S. Bank SmartlyTM Visa Signature® Card is closed at any time, you will no longer be eligible for the increased earning rate.
3. Trustee (IFI) – The person(s) or entity managing trust assets and distributing property according to the terms defined within the trust document.
4. 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 and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Insurance products are
available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License
#0E24641. U.S. Bank Smartly Saving qualifying balance information includes affiliated U.S. Bancorp Investments (USBI) components, which is being translated for your
convenience. USBI offers its products primarily in English and may not be able to off certain products in a particular foreign language.
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 and U.S. Bancorp Advisors.
5. 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 products are offered by USBA Insurance Services, a dba of U.S. Bancorp
Advisors, CA Insurance License #6011694. Products may not be available in all states.
6. 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.
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

Other conditions and restrictions may apply. Terms may change without notice. 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. ©2024 U.S. Bank
Consumer Pricing Information | Effective November 12, 2024 | page 11
 MISCELLANEOUS CHECKING, SAVINGS OR MONEY MARKET FEES

Account Charge-Off Processing Fee no charge

ATM and Debit Card Fees

ATM Transaction means each withdrawal, balance inquiry, funds transfer or deposit.
U.S. Bank ATM1 Transaction no charge
Non-U.S. Bank ATM Transaction (International or Domestic)
2
$2.50
Mini Statement at U.S. Bank ATM no charge
Full Statement at U.S. Bank ATM no charge
International Processing Fee – U.S. Dollars 3% of transaction
International Processing Fee – Intl Currency 3% of transaction
Debit Card Cash Advance Fee3 $2.00

Check Collection (incoming/outgoing) $30.00 + direct cost

Counter Checks $2.00 per check

Dormant Account (per month)* $5.00

*Unless excluded by account type or prohibited or restricted by state law.

Overdraft Paid Fee4 Item Amount

$5.00 or less no charge
$5.01 or greater $36.00 per item*
*Fees are limited to a daily maximum of three Overdraft Paid Fees per day.
If your Available Balance at the end of the business day is negative by
$50.00 or less, no Overdraft Paid Fee will be charged.

1. U.S. Bank ATMs are physically and/or digitally branded. Digitally branded ATMs can be identified with the U.S. Bank logo displayed on the ATM or promotional screen.
2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. 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.
3. $2.00 per advance assessed when performing a cash advance at any financial institution that accepts Visa®.
4. In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee
may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed.
U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 12
 MISCELLANEOUS CHECKING, SAVINGS OR MONEY MARKET FEES, Continued

U.S. Bank Overdraft Fee Forgiven

All consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s)
waived with qualifying deposits.1 The Overdraft Fee Forgiven period starts the first day the Available
Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your
account for a fee waiver at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s).
Available Balance* at 11 p.m. ET is $0 or more Overdraft Paid Fee(s) waived
*Excluding the Overdraft Paid Fee(s) and including immediate
and same day deposits.

Overdraft Protection Transfer Fee2 $12.50*

(when a transfer is made from an eligible linked credit account3)
*If the amount advanced is $50.00 or less, no Overdraft Protection Transfer Fee
will be charged. No Overdraft Protection Transfer Fee(s) will be charged for
transfers from linked deposit accounts.

Photocopy Requests
Copy of Check, or other items no charge
Copy of Statement no charge

Statement Fees no charge

1. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, 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 for full funds availability details.
2. 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 $5.00 or less, the amount advanced will be $5.00. The Overdraft Protection Transfer Fee is waived if the negative Available
Balance in your checking account is $50.00 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. Refer to Your Deposit Account Agreement, section titled Overdraft Protection Plans, for additional
information.
3. Eligible accounts include: U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Personal Line of Credit, U.S. Bank Home Equity Line of Credit and other
U.S. Bank Lines of Credit. Cash advance fees will apply. Interest will accrue as soon as you transfer funds. Check your cardholder agreement for Annual Percentage Rate (APR)
details.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 13
 OTHER SERVICE FEES

Account Balancing and Research 1 hour minimum $30.00/hour

Cashier’s Check $10.00

Individual Retirement Account (IRA)

Annual Fee for Plan Balances Below $25,000 $30.00
CESA Balances Below $5,000 $30.00
IRA External Transfer Fee $30.00 per IRA Plan

Legal Charges
(Escheatment Related Due Diligence-as permitted by state)
Garnishments $100.00
Tax Levy and Child Support $100.00

Personal Money Orders $5.00

Safe Deposit Box Fees

Late Payment (per month) $10.00
Lock Drilling $150.00
Paper Invoice no charge

Stop Payment $35.00

Wire Transfer1
Domestic – Incoming $20.00
Domestic Internal2 - Incoming $15.00
Domestic – Outgoing $30.00
Domestic Internal2 - Outgoing $25.00
International – Incoming $25.00
International – Outgoing $50.00

1. Additional fees may be deducted from the transfer amount by other financial institutions involved in the payment process. Deposits received in a foreign currency, whether
by check, wire-transfer, or otherwise, must be converted to U.S. dollars prior to being credited to your account. U.S. Bank will convert your funds at a retail exchange rate
established by U.S. Bank on the business day when such exchange is processed based on factors such as market conditions and risk, economic and business factors.
The exchange rate will include our profit, fees, costs and charges. See the Foreign Currency section of the Your Deposit Account Agreement for more information.
2. An internal domestic wire transfer (incoming and outgoing) is where both the debit and the credit accounts are held within U.S. Bank.
Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 14
 FOREIGN CHECKS/CURRENCY FEES

Checks Deposited in Foreign Currency on Foreign Banks

All checks subject to review. If item must be processed on a collection basis, U.S. Bank
will disclose additional fees prior to assessing. See Foreign Check Collection section
for potential fees. Return rate subject to sell rates in effect on return date.

Foreign Check Collection (incoming/outgoing)

Courier Fee (per check) $45.00
Initiation Fee (per check) $40.00
Tracer Fee $25.00
Returned Check Fee $25.00
Checks on Canadian Banks (non-collection) $0.50
Checks on Select Countries/Banks (non-collection) $1.00
Fee collected on all checks presented, paid and unpaid. Additional fees assessed by
Foreign Banks will be deducted from the check proceeds. Exchange rate adjustments
will apply on each item at the time of processing.

Foreign Currency
Purchase Foreign Currency
Foreign Exchange Fee (Admin Fee)* $10.00
Next Day Priority Delivery (optional) $15.00
Sell Foreign Currency
Foreign Exchange Fee (Admin Fee)* $10.00
*Charged for transactions of $300 U.S. Dollars or less, or for
any currency purchases returned within seven days.

Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2024 U.S. Bank. 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.
Consumer Pricing Information | Effective November 12, 2024 | page 15