Online and Mobile Banking

Online Banking—Convenient and Safe

Get secure access to your account 24/7 to view balances, transactions and statements, go paperless and much more.

Enroll today!


Making a payment is easy. Pay online, by phone or by mail. Choose a payment method that’s right for you. 

Account Alerts notify you of important account activity, like a low balance or when a payment is due. You can set up these alerts and select where you would like an email or text message notification delivered.1

The following alerts are available:

Statement and Payment Alerts

  • Online Statement Available
  • Payment Due
  • Payment Overdue
  • Payment Posted

Account Balance Alerts

  • Available Credit
  • Balance Exceeds Defined Amount

Transaction Alerts

  • Suspicious Transaction
  • Transaction Dollar Amount
  • Credit Posted
  • Debit Posted
  • Card Not Present
  • International Transaction
  • ATM Cash Withdrawal
  • Declined Transaction
  • Gas Station Purchase


 To set up Account Alerts:

  1. Log in to Online Banking.
  2. Select your Card from the home page.
  3. Select "Account Alerts" from the left navigation menu.
  4. Select your Account and click "Add Alerts."
  5. Follow the simple instructions to add alerts.

Security Alerts notify you when sensitive personal information, like an ID or address, changes. These alerts do not require any set up and are automatically delivered to your primary email address.

You’ll be notified when the following events occur:

  • Address or phone number changes
  • Primary email address changes
  • Online Banking Personal ID or Password changes
  • Online Banking Personal ID and Password were disabled due to multiple, incorrect Log in attempts
  • Log in assistance was requested to provide your Online Banking Personal ID
  • ID Shield changes (including setup, questions and answers or  image/sound and phrase changes)


To change your primary email address:

  1. Log in to Online Banking.
  2. Select "My Profile" under the Customer Service tab.
  3. Click "Edit" next to Primary Email information.

With FlexControl, you have the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance more quickly, or pay off larger purchases over time. Choose FlexControl Essentials or Accelerator to manage your payments and save on interest.

FlexControl Essentials

  • Choose up to seven everyday Essentials categories (like gas, groceries, dining or bill payments) to pay in full monthly.
  • Pay no interest on your chosen Essentials categories when they're paid in full each month, which happens automatically once you've enrolled.
  • Select your preferred monthly Essentials payment date.
  • Retain your ability to carry a balance on your card for larger purchases or unexpected expenses.

FlexControl Accelerator

  • Make accelerated payments to reduce your credit card balance and save on interest charges.
  • Choose an amount you're comfortable with to add to your minimum payment - we'll track these incremental payments on your statement and show you the interest you're saving.
  • Choose a payment frequency that fits your finances (monthly or weekly).
  • After you set up your Accelerator payments, you can adjust them online any time.

How to set up FlexControl

To set up FlexControl Essentials or Accelerator:

  1. Log in to Online Banking.
  2. Under the "Transfers and Payments" tab, select "Make a Payment."
  3. Select "U.S. Bank Credit Cards and Loans."
  4. Select the account you are paying to and from and then select "Auto Pay."
  5. Your FlexControl options will be displayed to the right.

REI Co-op Mastercard members enrolled in Online Banking can obtain their TransUnion® credit score2 – at absolutely no cost! Knowing your credit score can help you:

  • Gain a greater understanding of your financial health
  • Learn how your score works by discovering what factors impact your score
  • Implement goals to improve or maintain your score

 To access your credit score:

  1. Log in to Online Banking
  2. Select your REI Co-op Mastercard
  3. Click “Check Your Credit Score for Free”

Not an Online Banking customer yet? Enroll Now.

With your Online Banking spend analysis, you can download a year-to-date summary for the current year, or an annual account summary for the two previous calendar years.

To access the spend analysis:

  1. Log in to Online Banking.
  2. On the My Accounts page, click the “View Spend Analysis” link under your Card.

Note: Data is loaded on a monthly basis and should be available by the 5th business day of the month. If you are attempting to access a new account, the account must go through one statement cycle before the data will become available.


The REI Co-op Mastercard mobile app3 for iPhone® or Android™ makes it easy to:

  • View transactions.
  • Check your balance.
  • Set up email and text alerts.
  • Pay your MasterCard bill.
  • Set up travel notification alerts.

Download the app and get started!

Download on the App Store    Get it on Google play




We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

The creditor and issuer of the REI Co-op Mastercard is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated.

©2017 U.S. Bank.

©2017 Recreational Equipment Incorporated. All rights reserved.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc. Android is a registered trademark of Google Inc.

1 For text messages, you may be charged access fees by your carrier, dependent on your personal plan. Check with your carrier for specific fees and charges.
2 The VantageScore credit score offered by TransUnion is for educational purposes only and is not  used by U.S. Bank to make credit decisions.
3 The REI Co-op Mastercard Mobile App is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.