A culture of innovation is active and productive at U.S. Bancorp. We are at the forefront of the industry in developing new tools and technologies, new products and services, new business structures and leadership skills — and new ways to serve our customers.

At U.S. Bancorp, technology doesn’t replace people; it makes them more capable and makes our company smarter. When we look at the value of innovation, we look at the value it creates for our customers — and ultimately for our shareholders. We have invested heavily in the people and technology that let us anticipate and meet the demand for banking that is available anytime, anywhere. Every branch now has the latest automation tools for opening accounts more quickly, advising customers on comparative benefits of products and for developing a full picture of customer relationships. We continuously enhance our card benefits and invest in the systems that give every line of business the ability to compete and win.

We have completely redesigned our online banking platform and have taken the mobile banking space by storm with innovations in digital and mobile capabilities. We have recently piloted or launched mobile account opening, Mobile Photo Balance Transfer, voice commands, smartphone Pay a Person, our Fanfare™ loyalty program, Go Mobile, Video Banking and Travel Virtual Pay, to name just a few. In Payments, we have our own “Shark Tank” to generate new ideas.

U.S. Bank has been recognized as one of the most innovative banks in the nation, and we win awards and top rankings for innovations in products, payments and Mobile and Online Banking. The results in customer adoption and revenue are substantial.

Innovation is everybody’s job

It’s not just the digital experts at U.S. Bank who are responsible for extending our horizons and for innovative thinking. “Innovate” is formalized in our explicit distinctive leadership expectations for all leaders and managers, from the CEO and Managing Committee to every employee on the front line or in the back office.

Innovation is more than technology

At U.S. Bank, we want all leaders and employees to be always thinking of new ways to do their jobs, new ways to design our products and new ways to structure their businesses, innovating ways to make U.S. Bank different — and better.

One way U.S. Bank stays abreast of changing customer preferences and expectations is our Dynamic Dozen program. It’s a changing group of “twenty-something” employees from across the bank who advise management on the viewpoint of young customers and bankers. They become especially valuable as U.S. Bank intensifies its interactions with customers on the social media scene through Facebook, Twitter, LinkedIn and other sites.