Clause database · Banks, cards, and credit bureaus
U.S. Bank
Your Deposit Account Agreement & General Terms & Conditions
As captured on ; terms may have changed since.
Reviewed fields
For each field: the reviewer's category, then the words of the captured document. Where the category is silent, no provision on that field was extracted from the captured text, and nothing is quoted. Every category, with its count, is listed on the data page.
Delegation clause (who decides whether the clause is enforceable)
Reviewed category: to-arbitrator-full
Claims that relate to the formation, construction, scope, applicability, or enforceability of this arbitration provision
Company’s fee promise
Reviewed category: silent
No provision on this field was extracted from the captured text.
Fee or cost shifting against the consumer
Reviewed category: prevailing-party-fees
To the extent allowed by applicable law, our agreements, and the rules of the applicable arbitration forum, the arbitrator may award arbitration costs and attorneys' fees to the prevailing party.
Pre-filing requirement
Reviewed category: silent
No provision on this field was extracted from the captured text.
Mass-arbitration terms
Reviewed category: anti-consolidation-only
Unless mutually agreed to by you and us, Claims of two or more persons may not be joined, consolidated, or otherwise brought together in the same arbitration (unless those persons are joint account owners or beneficiaries on your account and/or related accounts, or parties to a single transaction or related transaction).
Small-claims carve-out
Reviewed category: available-standard-carve-out
If a party’s Claim is within the jurisdiction of the small claims court where you reside, either party may at any time choose to take the Claim to that court instead of arbitration.
Opt-out
Reviewed category: silent
No provision on this field was extracted from the captured text.
Unilateral modification
Reviewed category: continued-use-is-acceptance
If we notify you that the terms of your account have changed, and you continue to have your account after the effective date of the change, you have agreed to the new terms.
Scope
Reviewed category: broad-reaches-affiliates-and-third-parties
us, our respective parents, subsidiaries, affiliates, agents, employees, predecessors-in-interest, personal representatives, heirs and/or successors, and assigns
Confidentiality of the arbitration
Reviewed category: account-information-protection-only
The arbitrator will take ... reasonable steps to protect customer account information and other proprietary or confidential information.
Shortened limitations period
Reviewed category: statement-error-reporting-bar
You may not start a legal action against us because of any problem unless: (a) you have given us the above notice and (b) the legal action begins within one year after we send or make your statement available to you.
Severability if the class waiver is struck
Reviewed category: whole-clause-void-if-class-waiver-struck
If this specific paragraph is determined by the arbitrator to be unenforceable, then this entire provision shall be null and void
Counsel or representation restrictions
Reviewed category: silent
No provision on this field was extracted from the captured text.
Mass-arbitration numeric trigger
Reviewed category: no-mass-filing-terms
The reviewed data records this category without a quotation.