KY

Personal loans and lines customer service

Find answers about personal loans and lines of credit.

Get started.

Checking the status of your loan or line application is easy. You can choose one of the options below that is most convenient for you to get an update.

  • Log in to the貹.
  • Call us at 877-625-5249.
  • Contact yourlocal branch.

You can access your credit line by using your Visa access card, writing a check, transferring funds, or getting cash.

Visa access card

  • The Visa access card can be used for purchases made in-person, online, and by mail. It can also be used to pay bills.
  • Your virtual card is available after logging into usbank.com or by using the KY Mobile App.
  • Add the card to your digital wallet to use it on your mobile device.

Credit line checks

  • You can use a credit line check for private transactions (e.g., buying a used car), paying bills, or everyday purchases. As long as the person or business accepts credit line checks, you can use one to pay them.
  • Important: The account and routing number found on the bottom of your credit line checks cannot be used to make an electronic payment (e.g., paying a utility bill).

Transfer funds

  • Log in at usbank.com or on the KY Mobile App. Here, you can advance funds into your checking or savings account.
  • Call 800-USBANKS (872-2697) and speak with a banker. They can advance funds into your checking or savings account.

Get cash

  • Use your Visa access card and PIN at an ATM to withdraw funds.
  • Visit a KY branch and cash a credit line check.

Manage my loan or line of credit

Easily make a payment to your credit card, loan, lease or line of credit in your digital banking.

How to make a payment using online banking

  1. 𳦳Transfer & payat the top of the page,then selectPay bills.
  2. Choose the bill(s) you'd like to pay.
  3. Select the payment date and amount for each bill you'd like to pay.
  4. Choose the checking or savings account to pay from.
  5. 𳦳Review & pay, thenʲto confirm your payment.

How to make a payment using the KY Mobile App

  1. From the dashboard, select Transfer & pay, then choose Pay bills.
  2. Select the credit account you'd like to pay.
  3. Select the payment amount to customize your payment amount, delivery date, and account you'd like to pay from.
  4. Select Pay nowto confirm your payment.

To freely explore our digital banking services without using your own account, visit our貹.If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our貹.

Setting up a recurring internal transfer is easy.

To set up a recurring internal transfer using online banking

  1. 𳦳Transfer & pay, Internal transfer.
  2. Choose which account you'd like to transfer money from and to.
  3. Enter the amount and select the date of your transfer (if it's other than today), then choose Send transfer.
    • To set up recurring payments, select the checkbox next to "Repeat this transfer". Choose the frequency and when to stop it.
    • Add a memo.
  4. Review your transfer details and if everything is correct, selectSend transfer.

To transfer money using the KY Mobile App

  1. 𳦳Transfer & pay at the bottom of the dashboard, thenMake an internal transfer.
  2. Choose which accounts you'd like to transfer from and to.
  3. Enter the amount and select the date of your transfer (if it's other than today), then choose Transfer.
  4. To set up recurring payments, use the toggle switchnext to "Repeat this transfer". Choose the frequency and when to stop it.
  5. Review the details of your transfer, select Transferto confirm.

Consumer overdraft protection refers to transferring funds when transactions may cause the deposit account to have a negative balance. Before signing up, please be aware:

  • Overdraft protection requires the same owners to be on the checking account and the funding account(s).
  • You can link up to three eligible1funding accounts and choose which one transfers funds first, second, and third. If you don’t choose the order, funds are taken using the order in which the accounts were added.
  • Consider using checking or savings account as primary funding to avoid overdraft protection transfer fees.
  • Credit cards used for overdraft protection may be subject to additional charges. This includes interest charges that will accrue on the amounts advanced.

To sign up or manage your consumer overdraft protection using digital banking

Online banking: 𳦳your checking account and choose Account services.
KY Mobile App: Select your checking account and choose Manage at the top of the screen.

  1. 𳦳Overdraft resources, then chooseOverdraft protection.
  2. Confirm the checking account you want covered is in the drop-down menu.
  3. Locate the next drop-down menu, in the Overdraft funding account section.
  4. Select the account funds will come from and choose +Add account.
  5. You can add up to two more accounts by repeating step five.
  6. Select Save to confirm your changes.

To remove an account, select the minus sign to the right of the account. Then choose Yes to confirm the removal.

More information

  • A reserve line account must be closed to remove its link as an overdraft protection account.
  • If you have a credit account linked for overdraft protection, recent transactions may not be reflected in the available overdraft protection amount.
  • A credit card that is expired or hasn’t been activated is not valid for overdraft protection.
  • You can choose to have overdraft coverage and overdraft protection for the same account. Overdraft protection will be tried first. If there’s not enough funds available in the overdraft protection account, then standard overdraft coverage applies.See also:What's the difference between overdraft protection and overdraft coverage?
  • Refer toYour Deposit Account Agreement, section titled “Overdraft Protection Plans,” for more information.

1Eligible accounts that can function as overdraft protection are listed below.

  • Savings and money market accounts
  • Secondary personal checking accounts
  • Personal credit cards
  • Reserve, personal, or home equity lines of credit

Get a payoff on your loan or line of credit whenever it's convenient for you.

How to get a payoff using digital banking

  1. From your dashboard, choose the loan or line of credit you'd like the payoff for.
  2. Online banking: 𳦳Request a payoff quotefrom the"Shortcuts"menu on the right.
    KY Mobile App: Select Manage at the top of the screen, then choose Request payoff quote.
  3. Enter a date within the next 30 days and chooseRequest payoff quote.
  4. Your payoff quote will display. Choose to have it sent to you via email ordownload a PDFto save the quote.

Additional information

If the account you need doesn't appear, you can reach us at the applicable number below. We accept relay calls.

  • Home loans (i.e., mortgages): 800-365-7772
  • All other loans and lines of credit: 800-USBANKS (872-2657)

To learn about what happens after paying off your auto loan, visit our Auto loan after payoff page.

To freely explore our digital banking services without using your own account, visit our page.If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our page.

We know life gets busy and reminders about transactions can be helpful. Manage your alerts anytime using digital banking. Please note, if you have multiple accounts, you'll need to repeat these steps for each one.

To add or remove account alerts using online banking

  1. From your dashboard, selectProfile & settings, then chooseAlerts & notifications.
  2. 𳦳Account activityfrom the "Notifications" menu on the left.
  3. If you have more than one account, choose the one you'd like to manage using the drop-down menu at the top of the screen.
  4. 𳦳Quick setuporAll settingsand choose the alert you'd like to manage.
  5. Use thetoggle buttonsto turn alerts on or off.

To add or remove account alerts using the KY Mobile App

  1. Open the main menu and chooseNotifications, then selectAccount activity.
  2. If you have more than one account, choose the one you'd like to manage using the drop-down menu at the top of the screen.
  3. Select thechevronto the right of the alert name.
  4. Use thetoggle buttonsto turn the alert on or off.

More information

You can choose a combination of up to three email or mobile phone numbers to receive alerts at. Please be aware, some alerts require anemail address.

If you reply STOP to a text alert, you may receive the following text message:

  • To stop only these notifications (e.g., account alerts), reply THESE.
  • To stop all texts and automated calls (including account, security and fraud alerts) from KY, reply ALL.

If you don’t respond within 24 hours, we will stop all texts and automated calls (including account, security and fraud alerts).

The following types of accounts can only manage alerts using online banking. These account alerts cannot be managed using the KY Mobile App. Note, they also need to have the same alert destinations if you’ve gone paperless.

  • U.S. Bancorp Investments accounts
  • Trust, Agency, Custody, or IRA accounts with Ascent Private Capital Management
  • KY Private Wealth Management or U. S. Bank Wealth Management

Setting up autopay is easier than ever. When you've gone through the process, we'll provide you a confirmation page to review. It'll tell you when the first payment starts, how much is being paid, and what date it'll be paid each month.

To set up autopay using online banking

  1. Select Transfer & payat the top of the page, then choosePay bills.
    • If you don't have a checking or savings account, you'll simply select Pay bills.
  2. Choose the account you want automatically paid, by clicking on it, then choose Autopay set up now(found on the right side of the page).
  3. Optional: We encourage you to review the terms of service before starting autopay.
  4. Provide the following information.
    • Pay this amount: Choose how much to pay.
      Options include minimum payment, statement balance, minimum payment with extra, or other amount.
      Note: Only the minimum due can be selected for a home equity line of credit account.
    • Send payments before or on due date: Choose when you'd like the payment to be delivered.
      This is considered the day the payment is made, also known as the transaction date.
    • Pay from: Choose the account to pay from.
      If you're paying from anexternal account, you'll need to add it to your list of external payment accounts before setting up autopay.
  5. 𳦳Continueto review your autopay settings. If they look good, chooseStart autopay.

To set up autopay using the KY Mobile App

  1. Select Transfer & payat the bottom of the dashboard, then choosePay bills.
  2. Choose the account you want automatically paid and then choose Autopay set up now
  3. Optional: We encourage you to review the terms of service before starting autopay.
    Note: Only the minimum due can be selected for a home equity line of credit account.
  4. Provide the following information.
    • Amount to pay: Choose how much to pay.
      Options include minimum payment, statement balance, minimum payment with extra, or other amount.
    • Make payments: Choose when you'd like the payment to be delivered.
      This is considered the day the payment is made, also known as the transaction date.
    • Pay from: Choose the account to pay from.
      If you're paying from anexternal account, you'll need to add it to your list of external payment accounts before setting up autopay.
  5. If everything looks good, choose Start autopay.

More information

If you've recently changed your due date, you'll need to wait until after the new due date to set up autopay.

Make payments on time, every time.

Set up automatic payments to make the process effort free. Watch this video to learn how.

View transcript

Servicemembers Civil Relief Act (SCRA)

We recommend contacting our Military Service Center for questions about SCRA benefits and requests. We can help you understand your rights and answer your questions related to SCRA benefits. Contact us at:

Phone (in the U.S.): 800-934-9555
Phone (international collect): 513-277-5899
Email: 24hrmilitaryservicecenter.shared@usbank.com
Hours of Operation: Monday through Friday from 7 a.m. to midnight ET (i.e., 6 a.m. to 11 p.m. CT)
By mail:
KY Military Service Center
5065 Wooster Pike
Cincinnati, OH 45226

To learn more, visit our Servicemembers Civil Relief Act andThings to know about the Servicemembers Civil Relief Act pages.

We're proud to offer military checking benefits, VA home loans and more to support military service members, veterans and families of veterans.

Learn more about our military banking programs. You can also contact our Military Service Center where we can assist you with many of your financial needs.

Want to speak to a banker?

Make an appointment
Call 800-USBANKS
Find a branch
Start of disclosure content

Disclosures

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 KY National Association and subject to credit approval. Deposit products offered by U.S.Bank National Association. Member FDIC.

KY and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.