(Not all features available on all programs. Some fees may apply to certain features. Login to your account online or contact Cardholder Services for a full list of fees.)
The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for receiving your pay. It is not a credit card, but works similarly to other debit cards.
Once funds are added to the card account, it can be used to make purchases, pay bills, and make online, phone or mail-order purchases. You can also get cash back with purchases at participating merchants or withdraw cash at ATMs, banks or credit unions. The amounts of purchases, bill payments or cash withdrawals are automatically deducted from the available balance on the card.
For security reasons, the card will arrive in a plain, white, windowed envelope with an Indianapolis, IN return address.
The card comes with:
You must call Cardholder Services at 877-474-0010 or visit www.usbankfocus.com to activate the card and choose your Personal Identification Number (PIN). You cannot use the card until it has been activated. Be sure to sign your name on the back of your card in ink. Your card is not valid unless it’s signed. Note: we accept relay calls.
No. Future payments will be deposited automatically onto the initial card.
The card works much like other prepaid or debit cards. You can use it online, over the phone, at grocery stores, retail stores, restaurants, medical offices, etc. It is important to know your account balance before making purchases.
Select “Credit” or “Debit” to make a purchase. Select “Debit” to get ‘cash back’ with your purchase. (You will have to enter your PIN.)
You must know your available balance (the teller will not have access to this information) and ask for a cash withdrawal5 in the amount you wish to withdraw. Note: you may need to provide your driver’s license to verify your identity.
No. You can get cash back with purchases at participating merchants throughout the United States such as grocery and convenience stores. Cash can also be obtained from any ATM5 or over the counter at any Visa/MasterCard bank or credit union. To find the ATM nearest you, visit www.usbank.com/locate or www.moneypass.com.
Yes & No. The card can be used to make signature-based purchases without a PIN. However, a PIN must be used for PIN-based purchases and for cash withdrawals at ATMs. You must choose your own PIN by calling Cardholder Services at 877-474-0010 or visiting www.usbankfocus.com after you receive your card. For security reasons it is important that you pick a PIN that only you would know, and not share the PIN or the card with anyone.
You must contact Cardholder Services at 877-474-0010 or visit www.usbankfocus.com to reset your PIN.
Yes. You can go to any Visa/MasterCard bank or credit union and ask the teller for a cash withdrawal5.
Yes. The cash back rewards program is a free service available to all Focus cardholders. You can earn rewards simply by using your card at certain stores and restaurants, after activating the offers that you want. To learn more log into your account at www.usbankfocus.com.
You have the option of signing up for optional text or email alerts3 when money is added or your card balance gets low at www.usbankfocus.com. You can also use our two-way text alert feature by texting a short code to receive the following updates:
||Text BAL to 90831
||Text TRANS to 90831
|Direct Deposit Routing & Account Numbers6
||Text DD to 90831
|Savings Account Balance
||Text SAVE to 90831
|Customer Service Number
||Text HELP to 90831
Yes. You can use the Focus Mobile Banking app4 to check your account balance, enroll in and manage text alerts, view your most recent transactions or search for the nearest in-network ATM location. Search for "U.S. Bank Focus" in the App Store or Google Play.
Yes. You can visit your billers’ websites and provide your 16-digit card number and expiration date or log on to www.usbankfocus.com and select the “Pay Bills” option. The online bill management service7 includes a biller directory that helps you log onto your billers’ websites and complete payment information with just a few clicks.
Yes. In addition to payroll deposits you can add other employers, government benefits, tax refunds or any other payment that offers direct deposit to your card account. You can also load cash onto your card. To learn more log into your account at www.usbankfocus.com.
Yes. The optional savings account feature that comes with your Focus Card is free to use and easy to set up. It’s a great way to effectively manage your finances and set aside funds for things like vacations, holidays and unexpected expenses. There are no monthly fees and your funds are FDIC insured. To learn more visit www.usbankfocus.com.
If you need to make a purchase for more than the amount you have on your card, you will need to use two forms of payment. Tell the cashier how much you want taken from the balance on your card — the cashier cannot determine your available balance. Then, pay the remaining balance with cash, check, or debit/credit card.
Yes. However, if you use your card to pay at the pump, a maximum hold of $75 will be placed on your account to initiate your transaction. This amount will be held until the actual transaction amount clears. If you do not want funds held while waiting for the transaction to clear, please pay the cashier inside for your gasoline purchase. Payments made inside clear for the actual transaction amount immediately.
Usually a purchase that exceeds the available balance will not be approved. In very limited circumstances, if you do not have sufficient funds when the final amount clears, it may result in a negative balance; however you will not be charged an overdraft fee. You can check your balance online, by using the Focus Card Mobile App or by calling Cardholder Services 24/7.
No. For privacy reasons, U.S. Bank does not share card account numbers or transaction details. However, for reconciliation purposes, your employer does have access to the amount and date of each deposit.
Fees are located on the Fee Schedule sent to you with your card. You may view your fee schedule online by logging into your account at www.usbankfocus.com. You may also call Cardholder Services at 877-474-0010 to request fee information. Please consult the table below for information on how to avoid fees on certain transactions for most Focus Card programs. Please consult your program fee schedule to determine if a specific fee applies.
||How to Avoid
ATM Balance Inquiries
You can check your balance for free using any or all of the following methods:
||Use your card at least once every 90 days**– receive a payroll deposit, make a purchase or make a cash withdrawal. NOTE: the inactivity fee is not assessed if your card balance is zero.**Or a longer period of time or never, as restricted under applicable state law
Monthly Paper Statement
|View your monthly statements for free online at www.usbankfocus.com.|
*Out-of-Network ATMs means any ATM that is not a U.S. Bank or MoneyPass ATM.
Yes, at www.usbankfocus.com. The following functions can be performed online:
Monthly statements can be viewed online 24/7 at www.usbankfocus.com.
Contact Cardholder Services at 877-474-0010 or visit www.usbankfocus.com to report an address change. Also contact your employer to report an address change so that your mail may also be sent to the correct address.
For questions about your deposit, such as when you will receive the next deposit to the card, or the amount of a deposit to the card, contact your employer. For all other questions about the card, you may log into your account at www.usbankfocus.com or contact Cardholder Services 24 hours a day, toll-free at 877-474-0010.
Call Cardholder Services at 877-474-0010 immediately to report your card lost/stolen and have a replacement card sent to you within 7-10 business days. You may also contact your Manager or the Payroll/Human Resources Department to request a new card. You may not be responsible for any fraudulent activity that occurs on your card provided that you report the card missing in a timely manner, and have not shared your card or PIN number with anyone2.
No. You must direct all Focus questions to Cardholder Services at 877-474-0010, or utilize the web site, www.usbankfocus.com, for inquiries.
The following can be done through customer service:
1 Successful identity verification required. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If necessary, we may also ask to see your driver’s license or other identifying documents.
2 Visa’s/MasterCard’s Zero Liability Policy protects you against unauthorized transactions processed by Visa or MasterCard. You must call the number on the back of your card immediately to report any unauthorized use.
3 Standard messaging charges apply through your mobile carrier and message frequency depends on account settings.
4 The U.S. Bank Focus Card Mobile App is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use Mobile App. Check with your carrier for specific fees and charges.
5 Some fees may apply. Login to your account online or contact Cardholder Services for a full list of fees.
6 This feature may not apply to all Focus programs. Please consult your card packet materials for additional details.
8 The savings account is a deposit product of U.S. Bank National Association. Member FDIC.