To apply for a credit line with U.S. Bank, applicants must have an active U.S. Bank checking account, according to U.S. Bank. The application requires the applicant's Social Security number, proof of current rent or mortgage payment, current employer information and proof of annual income.
U.S. Bank offers three ways to apply for a personal line of credit: by telephone, online and in person. As of 2015, applicants can call 800-491-3150 to apply by telephone, advises U.S. Bank. Applicants who want to apply in person can find a U.S. Bank branch office online at USBank.com by clicking the Locations link in the top-right section of the home page.
Applicants must visit a local U.S. Bank branch office to apply if their checking account has been active for less than 120 days, notes U.S. Bank. Applicants must visit a branch to open an account as well.
Applicants can apply for a personal line of credit online at USBank.com by clicking the Loans & Lines of Credit link in the top-right section of the home page and then choosing Personal Line of Credit from the drop-down menu. On the Unsecured Personal Loans & Lines of Credit page, applicants click Apply Now under Premier Line of Credit, a line of credit that gives eligible customers instant access to funds pending credit approval, notes U.S. Bank