Campus Banking

Disclosures

1. U.S. Bank Smartly® Checking bonus: To be eligible, the Primary Signer on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 either online through the U.S. Bank campus page or at a participating U.S. Bank campus location from May 5, 2026 through and including October 29, 2026. The account must be funded with at least $25 within 30 days of account opening to prevent closure. You must have a minimum of $1,000 or more in total new money deposit(s), complete 10 or more debit card purchases totaling $100 or more using your associated debit card as well as enrollment in online banking or the U.S. Bank Mobile App all within 90 days of account opening. Your promotional offer will be automatically applied if you open your account through the promotional offer web page, or if opening in an eligible campus branch must be activated by your banker at account opening. New money is considered money that is new to the customer or new to U.S. Bank where funds are coming from outside U.S. Bank. Funds cannot be transferred from another U.S. Bank product. All transactions must be posted to the account within those 90 days. Pending transactions, ATM withdrawals and withdrawals at a branch using your debit card are not qualifying transactions. Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements. Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers.

   A rate of 0.001% Annual Percentage Yield (APY) applies to accounts with balances between $0–$24,999.99. A rate of 0.005% APY applies to accounts with balances of $25,000.00 or more. U.S. Bank Smartly® Checking is a tiered-rate account. Advertised rates are variable and effective as of February 28, 2026. Rates in any tier are subject to change at any time before or after account opening. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account. Fees could reduce earnings on the account. A $12 monthly maintenance fee applies to the U.S. Bank Smartly® Checking account, which may be waived if certain requirements are met. Refer to the Consumer Pricing Information for full details on fees, waivers and eligibility.

2. U.S. Bank Smartly® Savings bonus: To be eligible, you or any owner(s) on your new Bank Smartly Savings account cannot have an existing U.S. Bank consumer savings account or money market account, had a U.S. Bank consumer savings account or money market account in the last 12 months, or received other U.S. Bank consumer savings or money market bonus offers within the past 12 months. You must qualify for the checking offer to be eligible for the savings offer. To receive the bonus, you must open a new U.S. Bank Smartly® Savings account either online through the U.S. Bank campus page or at a participating U.S. Bank campus location from May 5, 2026, through and including October 29, 2026. The account must be funded with at least $25 within 30 days of account opening to prevent closure. Your promotional offer will be automatically applied if you open your account through the promotional offer web page, or if you open your account in an eligible campus branch, it must be activated by your banker at account opening. Additionally, you must make new money deposit(s) by October 29, 2026 totaling $1,000 or more. You must then maintain a minimum account balance of $1,000 through January 31, 2027. Fees will reduce your eligible balance, and deposits may be needed to cover these fees to maintain the balance for this offer. New money is considered funds that come from outside U.S. Bank and are not transferred from another U.S. Bank product, regardless of ownership of the other U.S. Bank products. Your $100 savings bonus (“adjusted interest”) will be credited to your new savings account within 30 days after you have completed all the offer requirements. Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Interest rates are determined at the bank’s discretion and can change at any time. Interest will be compounded daily and credited to your account monthly. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for this account. If you close your account before interest is credited, you will not receive the accrued interest. Fees could reduce earnings on the account. Offer may not be combined with any other savings account bonus offers.

   A standard interest rate of 0.05% Annual Percentage Yield (APY) applies to accounts with any balance. A rate of 1.00% APY applies to accounts with combined qualifying balances from eligible accounts of $0-$4,999.99. A rate of 2.00% APY applies to accounts with combined qualifying balances from eligible accounts of $5,000.00-$24,999.99. A rate of 3.50% APY applies to accounts with combined qualifying balances from eligible accounts of $25,000.00-$99,999.99. A rate of 3.50% APY applies to accounts with combined qualifying balances from eligible accounts of $100,000.00 or more. Bank Smartly Savings is a tiered-rate account. Advertised rates are variable and effective as of April 22, 2026. Rates in any tier are subject to change at any time before or after account opening. For current rates, please contact a banker or visit a local U.S. Bank branch. If you are an existing U.S. Bank or U.S. Bancorp Advisors client, the advertised rates listed may not apply. Log into your Online Banking or Mobile App to view your personalized account interest rate and interest rate bump or contact a banker. A $5 monthly maintenance fee applies to the U.S. Bank Smartly® Savings account, which may be waived if certain requirements are met. Refer to the Consumer Pricing Information for full details on fees, waivers, and eligibility.

3. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

4. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, March 2026 (also 2015–2025); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

5. Late payments and going over the credit limit may damage your credit history.

6. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 spent in Net Purchases. Net Purchases are Purchases minus credits and returns. In addition, you will earn 4 Points (1 base and 3 bonus Points) for every $1 spent on your first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases. You will earn 2 Points (1 base and 1 bonus Point) for every $1 spent on purchases in the following categories: grocery store and supermarket (wholesale clubs and discount stores/supercenters such as Target and Walmart will earn only 1 Point); gas station and electric vehicle charging station (wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will earn only 1 Point) and qualifying streaming subscription services. Refer to Program Rules for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

7. The interest rates and Annual Percentage Yields (APYs) for the Bank Smartly® Savings account are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. For additional details about the U.S. Bank Smartly Savings Interest Rate Bump, see the U.S. Bank Smartly Savings Rate Sheet.

8. Bank Smartly Savings account Monthly Maintenance Fee: The $5 monthly maintenance fee is waived when you are an owner of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® Card, or for accounts with a minor under the age of 18.

9. U.S. Bank consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s) waived with qualifying deposits. The Overdraft Fee Forgiven period starts the first business 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).  If your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is $0 or more we will waive Overdraft Paid Fee(s) charged.