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Explore checking accounts.Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. Bank smarter with U.S. Bank and browse personal and consumer banking services including checking and savings accounts, mortgages, home equity loans, and more. Auto loans. Drive away with competitive rates and flexible terms on a new or used car, truck or SUV. U.S. Bank offers rates as low as 7.36% 1, 2 on loans of at least $40,000 for terms less than 60 months. In some cases, you don’t even need a down payment.Web site created using create-react-appU.S. Bank ... ×Wire transfers. When you need to send funds in larger amounts quickly and securely, you can initiate a wire transfer 2 in minutes using the U.S. Bank Mobile App or online banking. 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