Benefits designed for you

The U.S. Bank Focus Card is a Visa® or Mastercard® prepaid debit card and a convenient alternative to receiving paper checks.


Your pay will be deposited onto a prepaid Visa or Mastercard each payday and funds are protected 1 if lost or stolen.

Add Funds3

Your card may be reloadable, meaning you can add other funds to your card like cash and tax refunds, and it can even be used as a direct deposit for other employers.

Make purchases

Use your card anywhere Visa or Mastercard debit cards are accepted, online and in stores. You can even use your card to pay bills.

Cash back rewards

Earn rewards simply by using your card at select stores and restaurants. 

Easy account visibility

There are many ways to check your balance including signing up for text 2 and email alerts or by downloading the U.S. Bank Mobile App.

Get cash

With complimentary cash access at point of sale and thousands of in- network ATMs, it's easy to get cash with your Focus Card.

Watch the video to learn more about the Focus Card.

Download the U.S Bank Mobile App

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Read frequently asked questions

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  1. You are generally protected from all liability for unauthorized transactions with Zero Liability. You must call the number on the back of your Card immediately to report any unauthorized use. Certain conditions and limitations may apply. See your Cardholder Agreement for details.

  2. For text messages, standard messaging charges apply through your mobile carrier and message frequency depends on account settings.

  3. Successful identity verification required for loads from other sources. Log into the Focus Cardholder Website for details.

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The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. Member FDIC. 

The Focus Card is issued by U.S. Bank National Association pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Member FDIC. 

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.