Using Your Card


Select an option for tips on using your card.

(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.)

Make Purchases

Make Purchases

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Add Funds

Add Funds

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Check Balance

Check Balance

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Text/Email Alerts

Text/Email Alerts

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Mobile App

Mobile App

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Cash Back Rewards

Cash Back Rewards

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Pay Bills

Pay Bills

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Get Cash

Get Cash

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Watch the video to learn more about the Focus Card.



Select a question below:

About Focus

What is the Focus Card?

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.

How does the Focus Card work?

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.

What are the advantages of having a Focus Card?

  • Fast – Your money is automatically deposited to your card account
  • Save Time – Easy and quick access to your funds without waiting in line to cash or deposit a check
  • Convenient – Make purchases anywhere Visa® or MasterCard® debit cards are accepted, including retail stores, grocery stores, restaurants and pharmacies and withdraw cash at ATMs
  • Secure – No need to carry large amounts of cash
  • Save Money – No more going to the check casher
  • Track Spending – Account information and customer service 24 hours a day
  • Purchasing Power – Enjoy the prestige and purchase protection given to Visa or MasterCard-branded cardholders, without a credit check1
  • Reliable – Receive your money on time. No more lost or stolen checks
  • Safe – Funds are FDIC insured and are protected by Visa/MasterCard Zero Liability2

How do I check my balance?

  • Online – View account online at
  • Text/Email – Sign up to receive free email or text alerts when funds have been deposited to your account or when your balance gets low3
  • Mobile Banking App – Search for "U.S. Bank Focus" in the App Store or Google Play4
  • Phone – Call Cardholder Services at 877-474-0010 (we accept relay calls)
  • ATM – Perform a balance inquiry at an ATM5

Getting the Card

When the card is sent in the mail, what does the envelope look like?

For security reasons, the card will arrive in a plain, white, windowed envelope with an Indianapolis, IN return address.

What information or instructions come with the card?

The card comes with:

  • Instructions on how to activate the card
  • The cardholder agreement, which discloses terms and conditions and the fee schedule
  • A usage guide detailing where and how the card can be used
  • The U.S. Bank Privacy Pledge

What do I do after I receive the card?

You must call Cardholder Services at 877-474-0010 or visit 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.

Do I receive a new card every time a payment is made?

No. Future payments will be deposited automatically onto the initial card.

Using The Card

How do I make a purchase with my 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.

When making a purchase, on the authorization machine, which selection (credit or debit) do I choose?

Select “Credit” or “Debit” to make a purchase. Select “Debit” to get ‘cash back’ with your purchase. (You will have to enter your PIN.)

How can I get cash with my card?

  • Cash Back With Purchases – at participating merchants such as grocery or convenience stores
  • ATM Withdrawal5 – at any ATM
  • Teller Withdrawal5 – at any bank or credit union

How do I withdraw cash at an ATM5?

  • Insert or swipe your card and enter your 4-digit PIN
  • Select “Withdrawal from Checking”
  • Enter the amount to be withdrawn

How do I get cash back with a purchase?

  • When the authorization machine asks for credit or debit, select ‘Debit’
  • Enter the 4-digit PIN
  • Select ‘Yes’ for cash back
  • Enter the amount, press ‘OK’

How do I get cash at a bank or credit union teller?

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.

Do I have to go to a U.S. Bank ATM or U.S. Bank branch to get cash?

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 or

Do I need a PIN to use the card?

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 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.

What should I do if I forget my PIN?

You must contact Cardholder Services at 877-474-0010 or visit to reset your PIN.

Can I still get cash if I forget my PIN?

Yes. You can go to any Visa/MasterCard bank or credit union and ask the teller for a cash withdrawal5.

Can I earn rewards by using my Focus Card?

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

How can I be notified when funds are deposited to my card?

You have the option of signing up for optional text or email alerts3 when money is added or your card balance gets low at You can also use our two-way text alert feature by texting a short code to receive the following updates:

Alert Type Instructions
Balance Alert
Text BAL to 90831
Recent Transactions
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

Can I manage my account with my smart phone4?

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.

Can I pay bills with my card?

Yes. You can visit your billers’ websites and provide your 16-digit card number and expiration date or log on to 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.

Can I add money to my Focus Card6?

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

Does my Focus Card come with a savings account8?

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


Can I make a purchase for more than the amount on my card?

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.

Can I use my Focus Card at the gas pump?

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.

Can the Focus Card be overdrawn?

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.

Can anyone else view or track my transactions?

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.

How do I obtain information about fees for my Focus Card?

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 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.

Fee Description
How to Avoid

ATM Withdrawals


  • Make Purchases: Instead of using cash for purchases, use your card anywhere Visa®/MasterCard® debit cards are accepted – in stores, over the phone, online or pay bills. You can use your card for free to make everyday domestic purchases such as groceries, convenience stores, etc.
  • Cash Back with Purchases: You can ask for ‘cash back’ when making purchases at participating merchants such as grocery stores or retail stores. Select ‘DEBIT’ on the authorization machine, enter your 4-digit PIN and enter the amount of cash back you’d like. There is no fee to get cash back with purchases.
  • Bank Teller: Go into any Visa/MasterCard bank and ask the teller for a cash withdrawal for up to the transaction limits associated with your card. There are no fees associated with withdrawing cash at any Visa/MasterCard bank.
  • In-Network ATMs: Withdraw cash for free at any U.S. Bank or MoneyPass® ATM.
    For the nearest fee-free ATM locations visit: or

ATM Balance Inquiries


You can check your balance for free using any or all of the following methods:

  • Online – View account online at
  • Text/Email – Sign up to receive free email or text alerts when funds have been deposited to your account or when your balance gets low. (Standard messaging charges apply through your mobile carrier and message frequency depends on account settings.)
  • Mobile Banking App – Search for “U.S. Bank Focus” in the App Store or Google Play. (The U.S. Bank Focus 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.)
  • Phone – Call Cardholder Services at 877-474-0010 (we accept relay calls).
  • ATM – Perform a balance inquiry at a U.S. Bank or MoneyPass ATM.
Inactivity Fee
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

(If requested)

View your monthly statements for free online at

*Out-of-Network ATMs means any ATM that is not a U.S. Bank or MoneyPass ATM.


Customer Service

Can I view my account online?

Yes, at The following functions can be performed online:

  • PIN Change
  • Balance inquiry
  • View card transactions
  • View previous statements
  • Set up alerts
  • Pay bills
  • Open a Savings Account

How do I view my monthly statement?

Monthly statements can be viewed online 24/7 at

What should I do if I change addresses?

Contact Cardholder Services at 877-474-0010 or visit 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.

Who do I contact if I have questions about my card?

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 or contact Cardholder Services 24 hours a day, toll-free at 877-474-0010.

What happens if my card gets lost or stolen?

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.

Can I contact a local U.S. Bank branch for customer service on my Focus Card account?

No. You must direct all Focus questions to Cardholder Services at 877-474-0010, or utilize the web site,, for inquiries.

What services does the Focus Card 24-hour Cardholder Services line provide?

The following can be done through customer service:

  • Activate the card
  • Choose/Change PIN
  • Balance inquiry
  • Enroll in text alerts
  • Review recent transaction history
  • Report card lost or stolen and request a replacement card
  • Speak to a live representative if additional assistance is needed
Note: we accept relay calls

Download to Print

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. 
7 The online bill manager is provided by an unaffiliated third party. U.S. Bank is not responsible for the product service or performance of the third party including the privacy policy, level of security and terms of use, which are different from ours. 
8 The savings account is a deposit product of U.S. Bank National Association. Member FDIC.