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At U.S. Bancorp, trust has always been the foundation of our relationship with customers. Because you trust us with your financial and personal information, we respect your privacy and take strong action to safeguard that information, including your online sessions. The U.S. Bancorp family of financial service providers pledges to protect your privacy online by adhering to the practices described below. View our overall privacy pledge.
Using Information to Help You
To help safeguard your information online, we'll need to collect or remember information about you from time to time. In order to complete a transaction, it's necessary to be a customer and to register on our site. During registration, we'll ask you to provide us with a Personal ID and Password. This ensures that when you transact online with us, it will always be safe and secure.
U.S. Bancorp websites use temporary session cookies to assist us in securing your online activities and enhance the performance of the site. In addition, we use persistent cookies to personalize your banking visit and to analyze visitor trends. For example, personalizing your visit allows you to see unique products and services developed especially for your state of residence. We also analyze our visitor trends to help us understand how our customers are using our website. This enables us to build a more user-friendly experience. While your browser may allow you to "reject" cookies, our website requires that you accept all cookies in order for the website features and security mechanisms to function fully.
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Using Information to Help Us
Occasionally, you may encounter banner ads for U.S. Bancorp products and services on other Internet sites. We may use third party ad serving companies to distribute our ads on sites where we've paid to advertise. When you click on a U.S. Bancorp banner, it will take you to our site where the advertised product or service is found. Sometimes these ads contain small graphics or tags in them. These tags capture information such as IP address, browser type and pages being viewed when a user clicks on an ad so we can track the effectiveness of our advertising. These tags do not capture personal information about you. The vendors we use to distribute our ads are prohibited from using any information collected except to track advertising effectiveness.
Online Behavioral Advertising on External Websites
U.S. Bank contracts with advertising companies like Google, Yahoo and MSN to advertise our accounts and services on websites not affiliated with us. Some of these ads are online behavioral advertising and may contain cookies that allow monitoring of your response to our advertisements. Cookies placed by these companies do not collect personal information. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.
- If you prefer that our advertising service providers not know which U.S. Bank website pages you have viewed, you may opt out at aboutads.info.
Please note that if you opt out, you may still receive online advertising from U.S. Bank. Opting out from a specific advertising provider means that the ads you do receive will not be based on your preferences or behavior.
In order for behavioral advertising opt-outs to work on your computer, your browser must be set to accept cookies. If you delete cookies, buy a new computer, access the sites from a different computer, log in under a different screen name or change Web browsers, you'll need to opt out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
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Email
We collect and keep the contents of email you send us in addition to your contact address and our response. This enables us to respond to your requests and questions. Email sent to us should be used for inquiries that are not sensitive or confidential as regular, non-encrypted Internet email (the email we use on most of the site) is not secure. If we need information beyond your name, address, email address and phone number, we'll provide you with a secure email form. We will never request that you confirm your Personal ID, account numbers, Password or other sensitive information via email.
We will ask for an email address when you set up a new account or service with us. We may use this address to communicate with you regarding our products and services. In addition, certain parts of our site provide you the opportunity to subscribe to financial newsletters and alerts by submitting your email address and preferences. You can unsubscribe from our newsletters and marketing alerts at any time by selecting the "Unsubscribe" link provided in the email or changing your preferences at http://www.usbank.com/email.
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Security of Online Sessions
We're committed to protecting the confidentiality of your information and online transactions. We use the highest industry standard for online security - Secure Sockets Layer (SSL) encryption - to secure your online sessions. This process safeguards your banking session from intruders. Visit our FAQs page for more information on security.
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Zero Liability for Unauthorized Transactions
Our Risk-Free Guarantee protects customers from fraud loss. U.S. Bank Internet Banking and U.S. Bank Mobile Banking are so secure that we guarantee we'll cover any losses if there's ever any unauthorized use of your account. All the consumer accounts - those you use for personal, family, or household reasons - that you may access on our site are protected from fraud loss. Always keep your Personal ID and Password safe: our Risk-Free Guarantee may not apply if you authorize other people to access your accounts or do not contact us promptly. If you suspect fraud on your account or believe that someone has gained access to your Personal ID and Password, contact us immediately to protect yourself.
Please read more about our Risk-Free Guarantee and the security of online banking. These protections may not apply to commercial and small business accounts.
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Preventing Identity Theft
U.S. Bancorp is dedicated to protecting your personal information. Strict policies and procedures have been implemented to ensure that your personal information is kept confidential. Only authorized signers can access account information. Every effort is made to protect our customers from fraud. We'll never initiate a request for sensitive information from you via email (e.g., Social Security Number, Personal ID, Password, PIN or account number). If you receive an email requesting this type of sensitive information, you should be suspicious of it. If you receive a suspicious looking email, please forward it to fraud_help@usbank.com or call our Fraud Liaison Center at 877-595-6256.
When We May Request Information
In order to protect the security of your accounts, we will never ask for your Personal ID, Password, or PIN. However, please be aware that in certain telephone and in-person transactions, we may ask for your full Social Security Number, account number or other information to verify your identity before conducting the transactions you have requested. Those transactions include calls you have placed to us and when we have called you about a new product or service we believe you will find valuable. We strongly suggest that you do not share your Personal ID, Password, or PIN with anyone, under any circumstances.
Learn more about how to protect yourself from identity theft.
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Protecting Children Online
U.S. Bancorp feels it's extremely important to guard the identity and privacy of children, and we encourage parents to supervise their children's interactions online. We do not intentionally market to or solicit personal information from children under the age of 13. In the event that we receive personal information from a child whom we know to be under 13, we will only use that information to respond directly to that child or seek parental consent. For more information or to review information a child may have provided, visit U.S. Bank Customer Service. For more information on the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.
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Links to External Sites
At times, we may provide links to sites outside the control of U.S. Bank to alert you to products, information and services offered by third parties. Provided links are meant to supplement U.S. Bank products, services or information or provide other information we believe may be of interest to you. Although we will only provide links to sites we believe are reputable, we do not make any representations concerning the linked sites' contents or availability. Please note that linked sites may have different privacy and information security policies than U.S. Bank. You should review each site's privacy and information security policies carefully before you enter confidential information onto the site.
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External Aggregation Sites
Please use caution when using external financial aggregation or consolidation services. Financial aggregation and consolidation services collect your personal information from a variety of sources on one site. For example, they could collect your checking and savings account balances at your bank, the value of your stocks and bonds in your brokerage account and your frequent flier mileage information from an airline. Financial aggregators do this by having you provide them with your identification information and password for each individual website, then use these passwords to access each account. You must provide your permission and information to allow these services to collect this data. Never provide your account information or password to a site that you do not recognize and fully trust.
You should know: you will be unable to contest the validity of any U.S. Bancorp transaction initiated by a consolidation site using access information you provide, whether or not you were aware of the specific transaction. You may revoke an aggregator's authority to access your account only by notifying us, in which case we may need to block your account until we issue new access codes.
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Recommendations for Protecting Yourself
While U.S. Bank takes these important steps to protect you and your money, there are important steps you can take to protect yourself. Always protect your Personal ID, password and PIN from disclosure to others. Be sure the computer you use to access our site is up to date on its security software. Use programs that scan for viruses and other malware that could steal your Personal ID, password or other confidential information. Change your passwords regularly and create passwords that are difficult to guess.
Visit our security FAQ page on usbank.com to learn more.
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Contacting US
If you notice suspicious activity on your account or believe your Personal ID, password or PIN has been compromised, please contact us immediately. Suspicious emails may be forwarded to fraud_help@usbank.com. You may also contact our customer service department by completing our online email form or calling us. You can reach us any time at 800-USBANKS (872-2657) or you can use any of the local numbers for your area found in the "Contact Us" section of the Customer Service page.
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Information for our Commercial, Wholesale and Small Business Customers Only
Many of the security measures we offer on our site for consumer accounts are also provided to our commercial, wholesale and small business customers. We use SSL encryption to transmit your account information when you log in. We use cookies throughout our site to help secure your information and to ensure that all of the features of our site are performing correctly. Because of the variety of online services that are available to our commercial, wholesale and small business customers, we encourage you to contact your banker or relationship manager to learn more about how our fraud liability policies apply to business accounts.
We encourage you to assess the risks to your own systems and business procedures and evaluate the strengths and weaknesses of the controls you have in place. This risk assessment process should occur on a regular basis. We value our relationship with each of our commercial, wholesale and small business customers and want you to ensure your practices help us protect the safety and security of your business finances.
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