We believe that when the individuals, families and small businesses in communities succeed, we all succeed. That’s what U.S. Bank is all about, and it’s integral to the way we do business.

Customer experience makes all the difference

Consumer Banking and Small Business Banking are U.S. Bank’s core businesses, representing 44 percent* of the revenue of U.S. Bancorp. Along with convenience and service, we believe that customer experience is a key differentiator among banks, and we work to enhance every customer’s experience with U.S. Bank, whether it’s face-to-face, online, with our call centers or via a smart device. We share best practices across our 25-state branch footprint so every branch has the skills to make customer experience extraordinary.

Client advocacy is not just for commercial banking and wealth management; we build deeper relationships and practice client advocacy in every branch office, bringing total focus to each customer interaction. It’s at the branch level that we have made such strides in growing our small business revenue. No longer is revenue generation solely the job of the Business Banker; every branch manager now proactively brings U.S. Bank to local businesses. For the past three years, our branches have also provided the expertise and service delivery needed by private banking clients.

From cities to small towns to campus and corporate on-sites, U.S. Bank is there

Our branch locations are convenient to a wide range of customers, from the largest metropolitan areas to smaller urban and nonurban areas to specific customers at supermarkets, colleges, hospitals, corporate campuses and more. We tailor our buildings, our hours and our internal business structures to meet the expectations of customers at each branch model. We are as “local” as any competitor while bringing a full range of resources for any level of transaction.

We want every small business to get stronger

We are committed to building relationships with our 1.3 million small business customers by providing best-in-class lending, deposit and business solutions — plus the personal touch of a relationship manager. In addition to our small business loans and solutions, newsletters, websites and experienced bankers, we also support small businesses through numerous specialized seminars and sponsorships across our markets.

U.S. Bank continues to be a strong supporter of the U.S. Small Business Administration (SBA) lending programs. U.S. Bank was the second largest SBA lender in the country based on loan volume for fiscal year 2013 with $639 million in volume and 2,519 loans committed. The totals represent a 22 percent increase in dollar volume over 2012 and a 52 percent increase in the number of loans provided. U.S. Bank ranked first in both units and volume in the SBA districts of Kentucky, Portland, Seattle/Spokane and Tennessee. In addition, the company also ranked first in units in Iowa, Kansas City, Minnesota, Nevada, San Diego, Santa Ana, and St. Louis. U.S. Bank was in the top three in either units or volume in a total of 22 SBA districts.

The right branch for the right market
The right branch for the right market

U.S. Bank designs branches that fit the market. Recently U.S. Bank began piloting the Smart Branch. This innovative concept was designed to bring full-service banking to densely populated locations with limited operating space. A full-time personal banker is available to open and service personal and business deposit accounts, credit products, cashier’s checks, gift cards and more. The Smart Branch replaces a traditional teller line with a customer-centric personal banking station adjacent to state-of-the-art ATMs that provide image enabled deposits and images of deposits on receipts. They also dispense and accept cash in multiple denominations and provide language choice and product offers unique to each customer. Smartphone charging stations and wireless tablets are available for customer convenience.