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The latest U.S. Bank promotions, bonuses, and offers are available here.
U.S. Bank offers change throughout the year, but their current offers include a $450 personal checking bonus and $500 & $900 business checking bonus when opening a new Checking or Business Account.
Update 3/18/25:
- The business checking offer has been extended through 3/31/25
- There is now a $450 checking bonus offer valid through 4/17/25.
- Receive a bonus interest rate of 4.00% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations.
About U.S. Bank Promotions
Established in 1863, US Bank has branch locations spread throughout the nation.
Being the 4th largest bank in the nation when ranked by the number of branches, you can take advantage of products and services at your convenience!
I’ll review the current US Bank Promotions below.
U.S. Bank $900 Silver Business Checking Package Bonus
Earn a $500 bonus when you open a Silver Business Checking Account or $900 when you open a Platinum Business Checking Account online with promo code Q1AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2025. Member FDIC.
- What you’ll get: $500 or $900 bonus
- Account Type: Silver Business Checking Package
- Where it’s available: Nationwide
(Expires 03/31/2025)
How To Earn Bonus
Complete these steps to earn the offer:
- Open a business checking account with the promo code Q1AFL25
- Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025.
- You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- You must also complete 5 qualifying transactions within 60 days of account opening. or
- Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 1/16/2025 and 3/31/2025.
- You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening.
- You must also complete 5 qualifying transactions within 60 days of account opening.
- Limit of one Business Checking bonus per existing business card customer.
- A $100 minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account.
- The new money deposit cannot be funds held by U.S. Bank or its affiliates.
U.S. Bank $900 Gold Business Checking Package Bonus
Earn a $500 bonus when you open a Silver Business Checking Account or $900 when you open a Platinum Business Checking Account online with promo code Q1AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2025. Member FDIC.
- What you’ll get: $500 or $900 bonus
- Account Type: Gold Business Checking Package
- Where it’s available: Nationwide
(Expires 03/31/2025)
How To Earn Bonus
Complete these steps to earn the offer:
- Open a business checking account with the promo code Q1AFL25
- Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025.
- You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- You must also complete 5 qualifying transactions within 60 days of account opening. or
- Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 1/16/2025 and 3/31/2025.
- You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening.
- You must also complete 5 qualifying transactions within 60 days of account opening.
- Limit of one Business Checking bonus per existing business card customer.
- A $100 minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account.
- The new money deposit cannot be funds held by U.S. Bank or its affiliates.
U.S. Bank $900 Platinum Business Checking Package Bonus
Earn a $500 bonus when you open a Silver Business Checking Account or $900 when you open a Platinum Business Checking Account online with promo code Q1AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2025. Member FDIC.
- What you’ll get: $500 or $900 bonus
- Account Type: Platinum Business Checking Package
- Where it’s available: Nationwide
(Expires 03/31/2025)
How To Earn Bonus
Complete these steps to earn the offer:
- Open a business checking account with the promo code Q1AFL25
- Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025.
- You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- You must also complete 5 qualifying transactions within 60 days of account opening. or
- Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 1/16/2025 and 3/31/2025.
- You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening.
- You must also complete 5 qualifying transactions within 60 days of account opening.
- Limit of one Business Checking bonus per existing business card customer.
- A $100 minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account.
- The new money deposit cannot be funds held by U.S. Bank or its affiliates.
U.S. Bank Smartly® Savings Account
Earn more on your money with U.S. Bank Smartly® Savings, the relationship account built around you.
- Competitive interest rates to grow your savings.
- Unlock even higher rates with an eligible checking account and combined qualifying balances.
- Waive your monthly maintenance fee when you maintain a U.S. Bank Smartly® Checking or Safe Debit account.
- Access to easy-to-use digital budgeting tools to help you monitor all your accounts and set clear financial goals.
Member FDIC.
(at U.S. Bank)
U.S. Bank Platinum Business Money Market
Receive a bonus interest rate up to 4.00% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations.
Complete these steps to earn the offer:
- Open a new Platinum Business Money Market Account
- 4.00% bonus interest rate when your account balance tier is between $25,000 to $2,999,999.99
- For Platinum Business Money Market accounts with $3 million or greater in balances, the bonus interest rate does not apply, and the full account balance will earn the standard variable interest rate in effect at that time.
(FDIC Insured)
U.S. Bank $450 Smartly® Checking Bonus
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Member FDIC.
- What you’ll get: Up to $450 bonus
- Account Type:
- Availability: Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
- Direct Deposit Requirement: Yes
- Monthly Fee: $6.95, waivable
(Expires 04/17/2025)
| BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | Truist Checking ($400 bonus) |
How To Earn Bonus
- Earn up to $450 with a new Bank Smartly Checking account.
- Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Earn $250 when the combined total of your direct deposits is between $2,000 and $4,999.99
- Earn $350 when the combined total of your direct deposits is between $5,000 and $7,999.99.
- Earn $450 when the combined total of your direct deposits is $8,000 or more.
- A minimum deposit of $25 is required to open a U.S. Bank consumer checking account.
- A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government.
- Other electronic deposits or person-to-person payments are not considered a direct deposit.
- The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance.
- Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.
- Offer may not be combined with any other checking account bonus offers.
- Offer is not valid if you or any signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years.
- Limit one checking bonus per person. Current U.S. Bank employees are not eligible. Other restrictions may apply.
- All standard account terms, conditions and opening procedures apply.
- For a comprehensive list of account pricing, terms and policies, see the Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure.
U.S. Bancorp Wealth Management $1,000 Bonus
Enjoy up to a $1,000 bonus when you open a new investment account with U.S. Bancorp Investments.
How to earn it:
- Meet with a Wealth Management Advisor. Open a new investment account with U.S. Bancorp Investments and add balances by August 31, 2024.
- Transfer your funds. By August 31, 2024, transfer qualifying new money to an eligible U.S. Bancorp Investments account. Your bonus amount will be determined on December 31, 2024.
- Earn $250 bonus when you deposit $250,000 – $499,999
- Earn $500 bonus when you deposit $500,000 – $999,999
- Earn $1,000 bonus when you deposit $1,000,000+
- Enjoy your bonus. Maintain the threshold amount in your new investment account through December 31, 2024 and enjoy your bonus – credited amount will be applied on January 30, 2025.
(at U.S. Bancorp Investments)
| J.P. Morgan Self-Directed Investing (Up to $700 Cash) | TradeStation ($150 Cash) |
| M1 High-Yield Cash Account (4.00% APY) | E*Trade (Up to $6,000 Cash) |
| WeBull (Free Stocks) | |
U.S. Bancorp Investments Automated Investor
Investing is made easy with Automated Investor!
Whether you’re just starting out or well on your way, our robo-advisor can help you work towards your goals with low fees and a low minimum investment of just $1,000. With ongoing rebalancing as the markets change, it helps you stay on track and minimize risk so your money can work harder for you. Questions? Human help is always just a phone call away. Get started in just minutes.
Only available to existing clients of U.S. Bancorp Investments and its affiliate U.S. Bank. Not a customer yet? Get started by calling 866-758-8655.
NOT A DEPOSIT. NOT FDIC INSURED. MAY LOSE VALUE.
Features:
- Investments selected by experts. Life gets busy. With Automated Investor, you choose your goal and we do the rest. Our investment experts create a portfolio that aligns with your goal. At any time, you can adjust your goal if plans change.
- Adjusts as markets change. Gain peace of mind knowing that your investment portfolio will be based on market movements. Automated Investor continually monitors your account and makes adjustments whenever needed to help keep you on track.
- Low minimum investment. You can start investing with Automated Investor with just a $1,000 minimum investment. are 0.24%, billed quarterly. That means that for every $1,000 invested you will pay $0.60 every three months (based on rate of $0.20 per month).
- Compounding growth. Compound growth is when you earn money on the growth (or interest) you earned previously. makes your money grow faster because you have the opportunity to earn more from the money that’s reinvested. Automated Investor aims to take advantage of this for you.
(at U.S. Bancorp Investments)
| J.P. Morgan Self-Directed Investing (Up to $700 Cash) | TradeStation ($150 Cash) |
| M1 High-Yield Cash Account (4.00% APY) | E*Trade (Up to $6,000 Cash) |
| WeBull (Free Stocks) | |
How To Waive Monthly Fees
- U.S. Bank SmartlyTM Checking:
- Waive the $6.95 Monthly Maintenance Fee with one of the following:
- Are 24 and under, 65 and over or a member of the military (must self-disclose), OR
- Have combined monthly direct deposits totaling $1,000+, OR
- Keep average account balance of $1,500+, OR
- Hold an eligible U.S. Bank credit card, OR
- Qualify for one of the four Smart Rewards™ tiers (Primary, Plus,Premium or Pinnacle)
- Waive the $6.95 Monthly Maintenance Fee with one of the following:
- Silver Business Checking Package:
- $0 monthly maintenance fee
- Gold Business Checking Package:
- Waive the $20 Monthly Maintenance Fee with a U.S. Bank Payment Solutions Merchant Account OR
- $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option OR
- $20,000 in combined average collected deposit balances or $50,000 in combined average collected deposit balance on interest-bearing option OR
- $50,000 combined average collected business deposits and outstanding business credit balances OR
- $75,000 in combined business deposit and outstanding business credit
- Platinum Business Checking Package:
- Waive the $30 Monthly Maintenance Fee with $25,000 average collected checking balance OR
- $75,000 combined average collected business deposits and outstanding business credit balances
Bottom Line
These are all the current U.S. Bank Promotions and offers. Although the monthly fees might be quite hefty, U.S. Bank offers waivers if you meet certain qualifications mentioned earlier in this post. Apply today and let us know how this process when for you by commenting below!
Compare these banking promotions from U.S. Bank with institutions like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, and more!
*Check back for updated U.S. Bank promotions, bonuses, and offers.
