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All of us have actually unanticipated costs. But also for the countless of us that are residing paycheck to paycheck, those unforeseen costs are difficult — if not impossible — to pay for.

This week, U.S. Bancorp launched an option that is new offer its customers a means away from such a bind: Simple Loan, which allows the bank’s checking account clients borrow between $100 and $1,000.

The first of the credit that is small-dollar by a big bank could express a difference in banking institutions getting back to a company they backed away from years back. For customers, another solution could be meant by it with their cash-flow plights.