pay online

With Online Banking, you have the flexibility to make a same-day payment, schedule a future payment or sign up for AutoPay. Same day online payment cut-off times range between 5 p.m. and 8 p.m. CST.

  1. Log in to Online Banking.
  2. Under the "Bill Payments" tab, select "Pay My Account" or "Pay a U.S. Bank Account".
  3. Select the Account you are paying, and the Account you are paying from.
  4. Select the frequency, either Once for a onetime payment, or Recurring to set up AutoPay.
  5. Complete remaining payment information and click continue.
  6. Review the payment details and click Submit.
  7. Print off the Confirmation Page for your records.

pay by phone

Making payments through our automated system is free!1 Payments are accepted on the due date, before 7 p.m. CST. Sign up or make a payment now by calling:


pay by mail

Send your check with your account number to:

U.S. Bank
P.O.Box 790408
St. Louis, MO 63179-0408

redeem rewards

Online Banking allows H-D Visa® cardmembers to easily view and redeem their H-D Genuine Rewards points online. Refer to the steps below and see how easy it is for you to redeem your rewards using Online Banking.

  1. Log in to Online Banking.
  2. Click the My Rewards tab.
  3. Click Redeem Rewards to begin the redemption process. If the Redeem Rewards button is not present, the cardholder does not have enough points for a $25 H-D Gift Card at this time.
  4. Select Email My Gift Card to receive and use a gift card within minutes! Or enter a mailing address to receive gift card via mail. Select the desired dollar amount to be redeemed, and click Continue.
  5. A new screen will display an overview of the rewards request, make sure everything looks correct and click Submit.
  6. A message will confirm that rewards were successfully redeemed. Check email for a message from H-D Visa® Rewards Redemption that includes a link to the electronic gift card.

account transactions

request a balance transfer

  1. Log in to Online Banking.
  2. Select your Credit Card Account.
  3. Select Request a Balance Transfer.
  4. Select your Account and click Next.
  5. Select Transfer a balance from another credit card.

Note: H-D™ Genuine Rewards points are not awarded for Balance Transfers, but you will earn 1 H-D™ Visa Free Ride Sweepstake entry2 for every transaction.

order convenience checks

  1. Log in to Online Banking.
  2. Select your Credit Card Account.
  3. Select Request a Convenience Check from the left navigation.
  4. Select your Account and click Next.
  5. Click Order a booklet of Convenience Checks.
  6. Follow the simple instructions to request a Convenience Check.

Note: H-D™ Genuine Rewards points are not awarded on Convenience Checks, but you will earn 1 H-D™ Visa Free Ride Sweepstake entry2 for every transaction.

request credit increase

  1. Log in to Online Banking.
  2. Select Self Service under Customer Service tab.
  3. Select Manage Your Credit Account.
  4. Select Harley-Davidson® Visa® Card.
  5. Select Credit Limit Increase and follow the easy steps to submit your request.

Alternatively, you can contact H-D™ Visa® Cardmember Service at 866-546-9241 to request a credit limit increase.

account preferences

go paperless!

When you enroll in Online Banking you will automatically have access to up to 7 years of Online Statements. Going paperless reduces paper consumption, lowers your carbon footprint and deters fraud by eliminating the paper trail. You will receive an alert via email or text message3 when your statement is available.

  1. Log in to Online Banking.
  2. Under the "My Accounts" tab, click "My Documents" and select "Paperless Preferences."
  3. Select Paperless next to your credit card account..
  4. Click Save.

get account alerts

Account Alerts notify you of important account activity, such as a low available balance, when a payment is due or suspicious transactions. You can set-up these alerts and select where you would like an email or text message notification delivered. Standard text messaging rates may apply from your mobile carrier.

  1. Log in to Online Banking.
  2. Select My Alerts under the Customer Service tab.
  3. Click Add Alerts next to your Card account.

Alerts available for:

statement & payment

Online Statement Available

Payment Due

Payment Overdue

Payment Posted

account balance

Available Credit

Balance Exceeds Defined Amount


Suspicious Transaction

Transaction Dollar Amount

Credit or Debit Posted

Card Not Present

International Transaction

ATM Cash Withdrawal

Declined Transaction

Gas Station Purchase

help stop potential fraud

Security Alerts notify you when sensitive personal information, like an ID or address changes. These alerts do not require any set-up and are automatically delivered to your primary email address. Follow the instructions below to change your primary email address.

  1. Log in to Online Banking.
  2. Select Edit Profile under your name and email address.
  3. Click Edit next to Primary Email information.

Get notifications for the following:

Address or phone number changes

Primary email address changes

Online Banking ID or Password changes

ID Shield Changes (including setup, questions and answers or image/sound and phrase changes)

Online Banking ID and Password were disabled due to multiple, incorrect login attempts

Login Assistance was requested to provide your Online Banking ID

overdraft protection

U.S. Bank overdraft protection protects your U.S. Bank Checking account from costly overdrafts by automatically transferring cash to it from your Credit Card account.

flexcontrol accelerator

With FlexControl Accelerator, accelerate payments to help pay down a balance more quickly, or pay off larger purchases over time.

the accelerator

  • Make accelerated payments to reduce your credit card balance and save on interest charges.
  • Choose an amount you're comfortable with to add to your minimum payment - we'll track these incremental payments on your statement and show you the interest you're saving.
  • Choose a payment frequency that fits your finances (monthly or weekly).
  • After you set up your Accelerator payments, you can adjust them online any time.

set up flexcontrol

  1. Log in to Online Banking.
  2. Under the Transfers and Payments tab, select Pay My Account.
  3. Select the account you are paying to and from and then select Recurring.
  4. Your FlexControl options will be displayed to the right.

and even more features

Monitor your spending habits and credit score4 with free and easy to use tools.

vantagescore® credit score

H-D Visa Card members enrolled in Online Banking can obtain their TransUnion® Credit Score4 for free. Knowing your credit score can help you gain a greater understanding of your financial health. You can learn what factors impact your score and implement goals to improve or maintain your score. Get email alerts when there are big changes to your credit report

To access your credit score:

  1. Log in to Online Banking.
  2. Select your H-D Visa® card.
  3. Click Know your credit score.

spend analysis

With your Online Banking spend analysis, you can download a year-to-date summary for the current year, or an annual account summary for the two previous calendar years.

To access the spend analysis:

  1. Log in to Online Banking.
  2. On the My Accounts page, click the “View Spend Analysis” link under your Card.

Note: Data is loaded on a monthly basis and should be available by the 5th business day of the month. If you are attempting to access a new account, the account must go through one statement cycle before the data will become available.

cardmember agreement

To request a copy of your Cardmember Agreement, follow the steps below. Your Agreement will be mailed to you within 7-10 business days.

  1. Log in to Online Banking.
  2. Select Self Service under the Customer Service tab.
  3. Select Manage Your Credit Account.
  4. Click on Harley-Davidson® Visa® card.
  5. Select Request A Cardmember Agreement and follow the easy steps to submit your request.

the h-d app makes

banking a snap

the h-d visa app

banking is a snap

Get the job done quick! Get the H-D Visa app today!

  • Pocket rewards on the go! Redeem an electronic H-D Gift Card within minutes or get it in the mail within 2 weeks.
  • Pay your Harley-Davidson® Visa® card monthly payment.
  • Check balances and review transactions - securely.
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We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of these credit cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

©  2018 H-D or its affiliates.  HARLEY-DAVIDSON, HARLEY, H-D, and the Bar and Shield Logo are among the trademarks of H-D U.S.A., LLC.  Third-party trademarks are the property of their respective owners.

© 2018 U.S. Bank National Association.

U.S. Bank - EP-MN-L20D - 200 South Sixth Street - Minneapolis, MN 55402

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Rewards Program Rules for additional information.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.

1 We may add a $10 service charge to the Purchase balance of the Account if you call us to make a payment on your Account and are assisted by a Cardmember Service Representative to make the payment. You will be provided with confirmation of the service charge before the payment transaction is authorized.
2 NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase will not increase your chances of winning. Sweepstakes ends 12/31/2018. Open to legal residents of the 50 United States and D.C., who are 18 years of age or older. For details, click here for Official Rules. Void where prohibited. Sponsor: Harley-Davidson Financial Services, Inc., 222 W. Adams St., Ste. 2000, Chicago, IL 60606.
3 For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings.
4 Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView Dashboard are available to U.S. Bank Online Banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the Alert functionality. Free credit score access is not available in the U.S. Bank Mobile App. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.