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 $300 personal checking bonus and $400 business checking bonus when opening a new Checking or Business Account.
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 $600 SmartlyTM Checking Bonus
Earn up to $600 bonus when you open a new U.S. Bank SmartlyTM checking account and a Standard savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through February 7, 2023. Member FDIC.
- What you’ll get: Up to $600
- Account Type: U.S. Bank SmartlyTM Checking Account
- Availability: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
- Direct Deposit Requirement: Yes, two or more direct deposits totaling $5,000 or more.
- Credit Inquiry: Soft pull
- Credit Card Funding: Up to $200
- Monthly Fee: $6.95, waivable
- Early Account Termination Fee: None
- Household Limit: None
(Expires 02/7/2023)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
To earn the bonus, complete these steps within 90 days of opening your new U.S. Bank SmartlyTM checking account online:
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200 or $6,000 or more to earn $400.
- Earn an additional $200 when you open a new Standard Savings account, complete deposit(s) of $25,000 or more February 28, 2023 and maintain a total account balance of $25,000 until May 31, 2023.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
- 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. Bank $400 Silver Business Checking Package Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities, subject to certain terms and limitations. Offer valid through February 22, 2023. Member FDIC.
- What you’ll get: $400
- Account Type: Silver Business Checking Package
- Where it’s available: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
(Offer Expires 02/22/2023)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
Complete these steps to earn the offer:
- Open a business checking with the promo code AF49ZCB.
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
- 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 $400 Gold Business Checking Package Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities, subject to certain terms and limitations. Offer valid through February 22, 2023. Member FDIC.
- What you’ll get: $400
- Account Type: Gold Business Checking Package
- Where it’s available: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
(Offer Expires 02/22/2023)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
Complete these steps to earn the offer:
- Open a business checking with the promo code AF49ZCB.
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
- 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 $400 Platinum Business Checking Package Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities, subject to certain terms and limitations. Offer valid through February 22, 2023. Member FDIC.
- What you’ll get: $400
- Account Type: Platinum Business Checking Package
- Where it’s available: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
(Offer Expires 02/22/2023)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
Complete these steps to earn the offer:
- Open a business checking with the promo code AF49ZCB.
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
- 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 Elite Money Market
U.S. Bank is offering 1.07% Annual Percentage Yield (APY) with a bonus interest rate of 3.50% for 3 months on balances between $25,000 and $499,999 when you open their Elite Money Market account.
Treat yourself to extra savings when you open a U.S. Bank Elite Money Market account. Benefits include:
- 1.07% Annual Percentage Yield (APY) with a bonus interest rate of 3.50% for 3 months on balances between $25,000 and $499,999.
- No ATM transaction fees at U.S. Bank ATMs.
- Overdraft protection options.
- Securely access your account anytime, anywhere with the U.S. Bank Mobile App.
(FDIC Insured)
U.S. Bank CD Special Rates
Earn up to 4.30% APY when you open a CD account from U.S. Bank available in select states and zip code. Please click here to see your rate before applying.
| Term | APY Rate |
| 9-Month CD | Up to 3.90% |
| 11-Month CD | Up to 3.85% |
| 17-Month CD | Up to 4.10% |
| 25-Month CD | Up to 4.30% |
(Please click here to see your rate before applying.)
U.S. Bank Payment Solutions Account $600 Bonus
Earn a $600 bonus when you open a U.S. Bank Payment Solutions Account with qualifying activity.
- What you’ll get: $600
- Account Type: U.S. Bank Payment Solutions Account
- Where it’s available: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
(Offer Expires 03/31/2023)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- First, complete an application for a U.S. Bank Payment Solutions account.
- Then, accept and settle a payment transaction into your qualified U.S. Bank business checking account within 60 days of the opening date of your payment solutions account.
- Receive $600 bonus. The new U.S. Bank Business Checking account must be open and have a positive balance for the Payment Solutions bonus to be deposited into the account (within 45 days of settlement verification).
- New customers: Limit of one Payment Solutions Merchant bonus per business. To earn the $600 Payment Solutions bonus offer, you must open a new U.S. Bank Business Checking account and meet the above requirements plus open a new U.S. Bank Payment Solutions Merchant account by 3/31/2023 and accept and settle a transaction into your new U.S. Bank Business Checking account within 60 days of the open date of your Payment Solutions account. The Payment Solutions bonus will be deposited into your new U.S. Bank Business Checking account within 45 days of settlement verification, as long as the checking account is open and has a positive balance. Payment Solutions bonus offer is not valid if you have an existing U.S. Bank Payment Solutions relationship. Refer to your company application for all terms, conditions and schedule of fees.
- Existing customers: Limit of one Payment Solutions Merchant bonus per business. This offer is only valid for the business checking account referenced in this letter and is not transferable. To earn $600 payment solutions bonus offer, you must open a new a U.S. Bank Payment Solutions Merchant account by 03/31/23 and accept and settle a transaction into your U.S. Bank Business Checking account referenced in this letter within 60 days of the open date of your payment solutions account. The payment solutions bonus will be deposited into your existing U.S. Bank Business Checking account within 45 days of settlement verification, as long as the checking account is open and has a positive balance. Payment solutions bonus offer is not valid if you have an existing U.S. Bank Payment Solutions relationship. Refer to your company application for all terms, conditions and schedule of fees.
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
U.S. Bank Credit Cards
U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®U.S. Bank Visa® Platinum CardU.S. Bank Altitude® Connect Visa Signature® CardU.S. Bank Altitude® Go Visa Signature® CardU.S. Bank Cash+TM Visa Signature® CardU.S. Bank Business Leverage Visa Card®U.S. Bank Business Cash Rewards World EliteTM Mastercard®
 The U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard offers $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 17.74% - 26.74%. You'll be able to earn: • 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. • 1% cash back on all other eligible net purchases. • 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. No limit on total cash back earned. Rewards never expire. In addition, you'll earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks. This card comes with no annual fee. Terms and conditions apply. |
 The U.S. Bank Visa® Platinum Card offers 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 28.74%. You'll have the flexibility to choose a payment due date that fits your schedule. In addition, you'll get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. This card has no annual fee. |
 The U.S. Bank Altitude® Connect Visa Signature® Card offers 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more. You'll be able to earn: • 4X points on travel and at gas stations • 2X points at grocery stores, grocery delivery, dining and streaming services • 1X point on all other eligible purchases. Furthermore, you'll receive $30 credit for annual streaming service purchases such as Netflix and Spotify®. and receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years. This card comes with $0 introductory annual fee for the first 12 months, After that $95. |
 The U.S. Bank Altitude® Go Visa Signature® Card offers 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.24% - 28.24%. You'll earn 4X points on takeout, food delivery & dining; 2X points at grocery stores, grocery delivery, gas stations & on streaming services; 1X point per $1 on all other eligible purchases. In addition, you'll get $15 credit for annual streaming service purchases such as Netflix and Spotify. There is no annual fee with this card. |
 The U.S. Bank Cash+® Visa Signature® Card offers $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.74% You'll be able to earn: • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. • 1% cash back on all other eligible purchases. This card comes with no annual fee. Terms and conditions apply. |
 The U.S. Bank Business Leverage Visa Card® offers $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account. You'll earn: • 2% back in the top two categories where you spend the most each month automatically. • 1% cash per dollar spent on all other eligible purchases. • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. There are no reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel. There is no annual fee for the first year, $95 thereafter. You'll also get free employee cards. Terms and conditions apply |
 The U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers $500 cash back after spending $3,000 in the first 90 days of opening your account. Limited time offer. You'll earn: • Up to 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases. • 1% cash back on other eligible net purchases with no limit on total rewards and they never expire! Plus, a 25% Annual Cash Rewards bonus, up to $250. There is no annual fee. |
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 Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, and more!
*Check back for updated U.S. Bank promotions, bonuses, and offers.
