U.S. Bank is a financial institution that offers a range of lending and depository products. It provides personal and business savings and checking accounts. The bank offers payroll and cash management services. U.S. Bank is a member of the Federal Deposit Insurance Corporation. It also provides real estate, term, home equity and agricultural loans, as well as several mortgage options. The bank offers Visa gift cards of various denominations. U.S. Bank additionally provides financial planning and wealth management solutions. It offers certificates of deposit and Internet and telephone banking services. The bank provides auto and homeowners insurance plans and policies. U.S. Bank is a subsidiary of U.S. Bancorp.