U.S. Bank, the fifth-largest commercial bank in the US, has launched Payment Switch, a digital tool that allows customers to redirect recurring bills and subscriptions to a U.S. Bank debit or credit card directly through its mobile app.

The feature sits within the bank’s Bills & Subscriptions dashboard, enabling customers to update payment methods for services such as streaming platforms, mobile phone contracts and utilities in a few taps. Users can make the changes without logging into individual merchant websites or relying on third-party services. The tool is available to both new and existing customers.

The dashboard also gives users a consolidated view of recurring payments and subscriptions, helping them track spending and identify unexpected charges. It flags upcoming payments, highlights spending patterns and alerts customers when recurring amounts differ from previous months. Eligible subscriptions can also be cancelled through the platform, allowing customers to identify price increases and review their ongoing expenses.

U.S. Bank developed Payment Switch with FinTech firm Atomic, which also powers the bank’s automated direct deposit setup. The launch adds a third component to U.S. Bank Easy Switch, a guided process designed to help customers transfer their banking relationships.

Through Easy Switch, customers can open an account, move their direct deposit and transfer recurring payments within a single process. By bringing these functions together, the bank aims to simplify account migration and reduce the risk of missed payments when customers switch providers.

The launch highlights how banks are using digital tools to make account switching more straightforward, while giving customers additional reasons to manage their financial activity within their existing banking apps.

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