Overview
Wholesale Banking
Payment Services
Private Client, Trust & Asset Management
Consumer Banking
Our industry-leading Consumer Banking delivers a full range of products and services to the broad consumer market and small businesses through full-service banking offices, ATMs, telephone customer service and telesales, online banking and direct mail. A disciplined sales culture, optimal distribution channel convenience and a mandate for quality service are the hallmarks of Consumer Banking.
Successes
| • | Enhanced our unique Checking That PaysŪ program, giving customers who use their U.S. Bank Visa® Check Card the choice of four different reward options. In August 2003, rewarded more than one million Checking
That Pays customers with an annual cash rebate. Expanded Checking That Pays to business check card customers, too.
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| • | Introduced free U.S. Bank Internet Bill Pay, eliminating the monthly fee and making online bill payment even easier for consumer checking
account customers.
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| • | Enhanced usbank.com with a host of new features, including free online account statements through U.S. Bank Internet Banking, instant application decisions for U.S. Bank Cash Rewards Cards and U.S. Bank Student Checking Account, direct enrollment in the online security program Verified by Visa®, and Spanish-language additions to usbank.com/espanol.
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| • | Introduced U.S. Bank Home Mortgage Payment Buster, a new mortgage loan program that reduces monthly payments and eliminates the need to
purchase mortgage insurance.
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| • | Partnered with the United States Hispanic Chamber of Commerce to create ¡Capital!, a first-of-its-kind, strategic loan program designed to meet small business lending needs in high-growth Hispanic markets nationwide.
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| • | Reached the $1 billion milestone in outstanding recreation finance loans just two years after inception of our Recreation Finance Division; announced the creation of the U.S. Bank manufactured housing finance business, modeled after our successful recreation finance strategies and partnerships.
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| • | Expanded Student Banking Campus Card relationships with Bellarmine University, Creighton University, Gonzaga University, John Carroll University, Minnesota State University Moorhead and San Diego State University; multi-purpose campus ID card provides students with official campus identification and ATM access, plus convenient access to laundry facilities, vending machines, health services, computer labs and more.
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Overview
Wholesale Banking
Payment Services
Private Client, Trust & Asset Management
Consumer Banking
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Key Business Units
| • | 24-Hour Banking and Financial Sales |
| • | Business Equipment Finance Group |
| • | Community Banking |
| • | Consumer Lending |
| • | Group Sales and Student Banking |
| • | Home Mortgage |
| • | In-store and Corporate On-site Banking |
| • | Investments and Insurance |
| • | Metropolitan Branch Banking |
| • | SBA Division |
| • | Small Business Banking |
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