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Overview
Q.   What is an Online Statement?
Q.   What is the difference between "Online Statements" and "Online Statements Only"?
Q.   What are the benefits of Online Statements?
Q.   Is there a cost for Online Statements?
Q.   Do Online Statements look like my paper statements?
Q.   Are Online Statements secure?
Q.   Which accounts are eligible to receive Online Statements?
Q.   If I get Online Statements, will I still get paper statements?
Q.   For Checking and Money Market accounts, can I still receive my cancelled checks in the mail if I enroll in Online Statements Only?
Q.   Can I make a payment to my Line of Credit, Loan, Lease, Credit Card, CreditLine, Premier Line, Premier Line Plus or Investment Equity Line of Credit account using my Online Statement?


Getting Started
Q.   How do I enroll in Online Statements Only and stop receiving paper statements?
Q.   What web software do I need to access Online Statements?
Q.   What software do I need to view Online Statements?
Q.   When will I begin receiving my Online Statements after enrolling in Online Statements Only?
Q.   What is the E-sign Act?
Q.   What are the terms of use for receiving Online Statements?


Viewing, Printing And Saving Your Statement
Q.   When is my Online Statement available?
Q.   How will I know when my Online Statement is available?
Q.   What is the Message Center?
Q.   How do I view my Online Statements?
Q.   Can joint account owners view Online Statements?
Q.   For joint accounts enrolled in Online Statements Only, can one owner receive Online Statements and the other owner receive paper statements?
Q.   How do I print my Online Statements?
Q.   How do I save my Online Statements?
Q.   What if I can't access my Online Statements?


Other Questions About Online Statements
Q.   If I enroll in Online Statements Only, will my previous statements be available for viewing online?
Q.   How do I order copies of older statements (no longer online) to be mailed to me?
Q.   If I am enrolled in Online Statements Only, how do I start receiving paper statements again?
Q.   What happens if my account receiving Online Statements is closed?
Q.   Will the promotional and marketing materials in my paper statement come with my Online Statement?
Q.   Why did I receive a paper statement for my account when I was previously receiving Online Statements Only?
   

   


Overview
Q.   What is an Online Statement?
A.  

An Online Statement is an electronic, PDF format of your account statement found online within U.S. Bank Internet Banking.  It contains all of the same account information as paper statements.  It is delivered online instead of through the U.S. Postal mail.

   
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Q.   What is the difference between "Online Statements" and "Online Statements Only"?
A.  

"Online Statement" refers to the electronic, PDF-formatted version of your account statement found online within U.S. Bank Internet Banking.  "Online Statements Only" is an account feature you can enroll for within U.S. Bank Internet Banking.  When you enroll for Online Statements Only, you will stop receiving your paper statement, and receive your statement online only.  You will also receive an Online Statement Account Alert each time you have a new Online Statement available. 

   
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Q.   What are the benefits of Online Statements?
A.   Online Statements help you:
  • Deter fraud--Safeguard your financial information by removing the "paper trail."
  • Reduce clutter and save paper--Eliminate excess paper on your desk and save a tree.
  • Conveniently manage your account online--View, print and save up to 18 months of statements.
   
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Q.   Is there a cost for Online Statements?
A.   No.  Online Statements are FREE.
   
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Q.   Do Online Statements look like my paper statements?
A.   Online Statements contain all of the same account information as your paper statements.

Consumer and Small Business Checking, Savings and Money Market accounts:  If you are currently receiving information for multiple accounts on your paper statement, when you enroll for Online Statements Only you will begin to receive Online Statements for your Checking, Savings or Money Market account, and you will begin to receive paper statements for each of your other accounts. Summary information for CDs, loans, credit cards and lines of credit will no longer appear on your statement.

Consumer Loan, Lease and Home Equity Line of Credit accounts: The coupon at the bottom of your paper statement will not be included in your Online Statement.

Small Business Loan and Line accounts: The coupon at the bottom of your paper statement will not be included in your Online Statement.

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit accounts:  Your Online Statement will look like your paper statement and contain all of the same account information.

   
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Q.   Are Online Statements secure?
A.  

Yes.  Online Statements are accessed securely via U.S. Bank Internet Banking.

   
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Q.   Which accounts are eligible to receive Online Statements?
A.   Online Statements are available for the following products:
  • Consumer and Small Business Checking, Savings and Money Market accounts
  • Consumer Loan and Home Equity Line of Credit accounts
  • Consumer Lease accounts not set up for automatic payments
  • Small Business Loan and Line accounts
  • Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit accounts
   
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Q.   If I get Online Statements, will I still get paper statements?
A.   Consumer and Small Business Checking, Savings and Money Market accounts: You automatically receive paper statements.  If you enroll in Online Statements Only, you will no longer receive paper statements.

Consumer Loan, Lease and Home Equity Line of Credit accounts: You automatically receive paper statements.  If you enroll in Online Statements Only, you will no longer receive paper statements.

Small Business Loan and Line accounts: You automatically receive both paper statements and Online Statements.

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus, and Investment Equity Line of Credit accounts: You automatically receive both paper statements and Online Statements.  If you enroll in Online Statements Only, you will no longer receive paper statements.

   
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Q.   For Checking and Money Market accounts, can I still receive my cancelled checks in the mail if I enroll in Online Statements Only?
A.  

Your cancelled checks will no longer be mailed back to you; however, cancelled checks and deposit slip images can be easily accessed online through U.S. Bank Internet Banking.

   
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Q.   Can I make a payment to my Line of Credit, Loan, Lease, Credit Card, CreditLine, Premier Line, Premier Line Plus or Investment Equity Line of Credit account using my Online Statement?
A.   You cannot make your payment using a printed copy of your Online Statement.  However, you can make a payment by:
  • Enrolling in Automatic Payments*
  • Online transfers from your Checking or Savings account
  • Visiting a U.S. Bank branch
  • Calling Customer Service

*To enroll in Automatic Payments for Line of Credit, Loan and Lease accounts only, download the applicable Automatic Payment form (Line of Credit or Loan Automatic Payment Form or Lease Automatic Payment Form) and follow the instructions on the form. To access the Automatic Payment form, you will need to have Adobe Acrobat Reader. If you do not already have Acrobat Reader, you can download it for free at www.adobe.com. By clicking on this link, you will leave usbank.com and enter a third party site. U.S. Bank is not responsible for, and does not endorse or guarantee, products or services provided on the third party site.

   
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Getting Started
Q.   How do I enroll in Online Statements Only and stop receiving paper statements?
A.  

To enroll, login to U.S. Bank Internet Banking, and select the "Online Statements" link within the ‘Your Accounts’ page and follow the enrollment steps.  Your Online Statements summary page will show all of your eligible accounts.*

*Small Business Loans and Lines accounts automatically receive both paper statements and Online Statements.  The option to stop receiving paper statements for these accounts is not available at this time.  

   
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Q.   What web software do I need to access Online Statements?
A.   You will need a compatible web browser.  Please review our Browser Requirements to verify that you have a compatible browser version.
   
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Q.   What software do I need to view Online Statements?
A.  

Online Statements will be viewable electronically in Portable Document Format ("PDF"). You will need Adobe® Acrobat Reader software. Online Statements can be viewed, saved to your computer, or printed at your convenience by using this software.   Download Adobe® Acrobat Reader* now.

* By selecting this link, you will leave usbank.com. U.S. Bank is not responsible for the content of or products and services provided by the site you will be entering, nor does it guarantee the accuracy of information contained in the site. Please note that the site's information security and privacy policies may be different from those of U.S. Bank.

   
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Q.   When will I begin receiving my Online Statements after enrolling in Online Statements Only?
A.   Checking and Money Market accounts: After enrolling, if you do not receive your cancelled checks back with your paper statement, you will begin receiving your Online Statement the next time your account cycles. If you currently receive your cancelled checks with your statement, you will receive one more paper statement and the following statement will be delivered online.

Savings accounts: After enrolling, you will receive an Online Statement the next time your statement cycles.  You will not receive additional paper statements.

Consumer Loan, Lease and Home Equity Line of Credit accounts: After enrolling, you may receive one more paper statement.  Then, all statements will be delivered online.

Small Business Loan and Line accounts: You automatically receive Online Statements with every statement cycle.

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus, and Investment Equity Line of Credit accounts: You automatically receive Online Statements, and you will continue to receive them with every account cycle if you enroll for Online Statements Only.

   
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Q.   What is the E-sign Act?
A.  

The E-sign Act allows financial institutions to provide customers’ disclosures electronically. Customers must affirmatively consent to receiving disclosures electronically, be provided information regarding software requirements for access to and retention of electronic disclosures, and be informed of the procedures for withdrawing consent.

   
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Q.   What are the terms of use for receiving Online Statements?
A.  

Refer to our Online Statement and Alert Delivery Agreement for complete information regarding terms of use for receiving Online Statements.

   
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Viewing, Printing And Saving Your Statement
Q.   When is my Online Statement available?
A.   Online Statements will be available at the same frequency as paper statements.  Generally, this means you will receive a monthly Online Statement for Checking, Money Market, Line of Credit, Loan and Lease, Credit Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit accounts, as well as for some Savings accounts. For Standard Savings accounts, a quarterly statement will be available.  Goal Savings accounts will receive a monthly statement, unless there has not been any transaction activity (in which case a quarterly statement will be available online for 90 days).
   
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Q.   How will I know when my Online Statement is available?
A.  

An email and / or text message will be sent to the address(es) you specify, and a message will be sent to your Message Center within U.S. Bank Internet Banking each time you have a new statement available for viewing.

   
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Q.   What is the Message Center?
A.  

The Message Center is home to important messages regarding your accounts.  You can access the Message Center via the link in the menu on the left side of your screen in U.S. Bank Internet Banking.

   
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Q.   How do I view my Online Statements?
A.  

Your Online Statements will be available from the Online Statement page or in the Recent Statement area at the bottom of each account transaction page. You can also link directly to your new Online Statement from the message we will send to the Message Center each time you have a new Online Statement available.

   
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Q.   Can joint account owners view Online Statements?
A.  

Yes.  Joint account owners will be able to view Online Statements for joint accounts as long as they are enrolled for and have access to U.S. Bank Internet Banking.

   
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Q.   For joint accounts enrolled in Online Statements Only, can one owner receive Online Statements and the other owner receive paper statements?
A.  

No.  If one joint owner enrolls in Online Statements Only, paper statements will no longer be mailed to either of the joint owners.*

*Small Business Loans and Lines accounts automatically receive both paper statements and Online Statements.  The option to enroll in Online Statements Only and stop receiving paper statements for these accounts is not available at this time.

   
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Q.   How do I print my Online Statements?
A.  

To print an Online Statement, use your browser’s print functions at the top of the window where your statement appears.

   
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Q.   How do I save my Online Statements?
A.   Your Online Statements will be delivered electronically in Portable Document Format (PDF) and presented in Adobe® Acrobat Reader.  To save a statement, simply select the "Save a Copy" icon in the tool bar and select a location on your hard drive to save the statement.  Once you have determined the location, choose a file name for the statement you are saving and select the "Save" button.
   
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Q.   What if I can't access my Online Statements?
A.   If you have issues accessing your Online Statements, Contact Us.
   
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Other Questions About Online Statements
Q.   If I enroll in Online Statements Only, will my previous statements be available for viewing online?
A.   Consumer and Small Business Checking, Savings and Money Market accounts: No. Only future statements will be available for viewing online. However, you will be able to accumulate up to 18 months of Online Statements following your enrollment in Online Statements Only.

Consumer Loan, Lease and Home Equity Line of Credit accounts: Yes. Up to 18 months of statements will be immediately available online following your enrollment in Online Statements Only.

Small Business Loan and Line accounts: You automatically receive Online Statements.  Up to 18 months of statements are available online for viewing.

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit accounts: Yes.  Up to 18 months of statements are available online for viewing.

   
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Q.   How do I order copies of older statements (no longer online) to be mailed to me?
A.   Checking, Savings and Money Market accounts: You can order copies of past statements, cancelled checks or deposit slips online through our Customer Service Center. Refer to Consumer or Small Business Pricing Information brochures for applicable fees.

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus, and Investment Equity Line of Credit accounts:  You can order copies of past statements online through our Customer Service Center, by selecting “Request Copies of Statements”.  You may be charged a fee for this service.  You will be notified of the fee amount prior to submitting your request online.

All other accounts: You can order copies of past statements by calling Customer Service.

   
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Q.   If I am enrolled in Online Statements Only, how do I start receiving paper statements again?
A.   To begin receiving paper statements again, please Contact us for assistance.

Checking, Savings, Money Market, Consumer Loan, Lease and Home Equity Line of Credit accounts:   You can discontinue Online Statements and start receiving paper statements.  Please note that when Online Statements are discontinued, access to any of your previous Online Statements will not be available and you will no longer receive your Online Statement Account Alert. 

Small Business Loan and Line accounts:  Since these account types are not eligible to enroll for Online Statements Only and stop receiving paper statements, each account will always receive both paper statements and Online Statements.  

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit accounts:  You can begin to receive paper statements again in addition to your Online Statements.  You will retain access to your previous Online Statements, as well as continue to receive Online Statement Account Alerts. 

   
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Q.   What happens if my account receiving Online Statements is closed?
A.  

You will receive a final paper statement in the mail.  You will no longer have access to your Online Statements.

   
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Q.   Will the promotional and marketing materials in my paper statement come with my Online Statement?
A.   Consumer and Small Business Checking, Savings, Money Market, Consumer Loan, Lease, and Home Equity Line of Credit, Small Business Loan and Line accounts:  No.  You will not receive separate statement inserts with your Online Statement. However, continue to refer to the "News For You", "Information You Should Know" and "Important Messages" sections on your Online Statement for news about products, services and important account information.

Consumer and Small Business Credit Card, Charge Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit accounts:  Yes.  The statement inserts from your current month’s statement will be available online on the Online Statements page for your account.

To receive product news or publications from other U.S. Bancorp affiliates via email, select the Update Your Personal Preferences link in the Customer Service Center in U.S. Bank Internet Banking.

   
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Q.   Why did I receive a paper statement for my account when I was previously receiving Online Statements Only?
A.  

A paper statement may be sent if one or more of the following has occurred:

  • The Online Statement Account Alert was unable to be delivered
  • The account is charged off
  • The account is closed
  • The account is in bankruptcy
  • The account has gone more than 60 days past due once*

*Applies to Consumer Lease accounts only.

   
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