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.
Table of Contents
- 1 About U.S. Bank Promotions
- 2 U.S. Bank $300 SmartlyTM Checking Bonus
- 3 U.S. Bank $400 Silver Business Checking Package Bonus
- 4 U.S. Bank $400 Gold Business Checking Package Bonus
- 5 U.S. Bank $400 Platinum Business Checking Package Bonus
- 6 U.S. Bank Payment Solutions Account $500 Bonus
- 7 How To Waive Monthly Fees
- 8 U.S. Bank Credit Cards
- 9 Bottom Line
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 $300 SmartlyTM Checking Bonus
Earn a $300 bonus when you open a new eligible U.S. Bank SmartlyTM checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through December 19, 2022. Member FDIC.
- What you’ll get: $300
- 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 12/19/2022)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
To earn the bonus, complete these steps within 60 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 $5,000 or more to earn $300
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 January 9, 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 01/09/2023)
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 January 9, 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 01/09/2023)
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 January 9, 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 01/09/2023)
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.
Learn more about the U.S. Bank business checking bonus.
U.S. Bank Payment Solutions Account $500 Bonus
Earn a $500 bonus when you open a U.S. Bank Payment Solutions Account with qualifying activity.
- What you’ll get: $500
- 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 10/28/2022)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To qualify for the $500 statement credit offer, you must open a new U.S. Bank Payment Solutions Merchant Account by 10/28/2022 and accept and settle a payment transaction within 60 days of the open date of your Payment Solutions account.
- Promotional offer is available for establishment of a new payment processing account including certain Elavon compatible equipment rented to new and existing U.S. Bank customers not currently using Elavon for merchant processing services.
- The one-time statement credit of $500 will be credited by the January 2023 billing cycle. Merchant accounts (MIDs) must be activated and actively processing payment transactions for a minimum of one week and be in open status at the time of the incentive credit.
- Accounts must process and settle at least $50 in payment transactions in a single day to be considered an activation.
- Everyday funding requires funding to a U.S. Bank business checking account.
- U.S. Bank and/or Elavon reserves the right in its sole discretion to modify, suspend or terminate the promotion at any time. Restrictions may apply.
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 20 billing cycles. After that, a variable APR currently 16.74% - 26.74%. 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 18.74% - 27.74%. 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 18.24 - 28.24%. 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.
Stay away from this bank. I started this account on line, had a promo code and met all requirements. When I called them, they said the bonus period has expired and told me to go to a local U.S.Bank and they could help me. I completed all requirements by June 30, 2020 which is when the offer expired. I called the local bank and a recording came on and stated that the bank was closed because of the virus.
I just got an email from them saying my account did not have a promo code on it. I opened it may 29 and I just googled the promo 20web05 but I am not positive that is the one I was supposed to get. I have never did this before. I tried the wells fargo 400 dollar but it keeps telling me to call 800 number when I try to make an opening deposit. then they tell me to go in to a branch but most of the branches in town are closed covid19.
Looks targeted.
Haven’t received the 300.00 bonus that I was told I would receive onc ed I met there requirements but when I check my account weekly still nothing and from all the reviews I’ve read it seems alot of people haven’t received theirs either. I’m gonna give them s few more weeks and if it’s not in there then I’ll go see a lawyer and see how much I can get from them for f as else advertisement. I’ve sent plenty of people to them due to this promotion and if they aren’t paying it then I’m sure I’ll look like a fool to all these people
did you ever get it? She told me she is adding my code. at first she said if it is expired I won’t get it. Now she says it isn’t expired. I swore the 300 dollar 20web05 ended on 29 jun 2020
It is not your fault and I saw a few people that it went smooth for and they all got their $300 around July 9th and I heard they pay bonuses about the same time every month
USBANK are also holding our bonus. I have been on hold for hours. They arent holding up to their end of the deal. CLASS ACTION LAWSUIT?!
We did not receive $300 U.S. Bank promo bonus, either. Has anyone tried filing a complaint with Consumer Finance Protection Bureau (CFPB)? Thanks.
Same they keep asking me for the promo code and it can’t be found anywhere this is Ridiculous this is the only reason why I started drinking with them
The code for the spring bonus is 2020Q1C
Found it by googling.
Same they keep asking me for the promo code and it can’t be found anywhere this is Ridiculous this is the only reason why I started banking with them
US Bank has a very narrow window to even make the terms of direct deposit, 60 days is too short a time period for getting a SS check or pension deposit going. Too bad US Bank won’t deal with you.
I have not got my promotion yet and it’s been 90 days my name is mr. Earl Caldwell [removed] on get my promotion tell me I can have my promotion cuz I was negative $2 this promotion don’t say nothing about negative is in deposit $2,000 I did everything I was supposed to do and still ain’t got my three hundred bucks US Bank just wanted my money
Hey Earl,
That sucks. I would contact US Bank and make sure you have all your papers and terms.
have you received your money yet? I did a promo with $300.00 and stated I would get in 60 days. My 60 days have passed and nothing yet. Thanks
US bank is the worst bank, denial customers bonus using bogus reasons, happened to me and several of my friends.
I had a bank manager lie to cover up his mistake. No bonus. But, congratulated the bank on hiring him as he saved the bank $300.
did you get it? I think my situation was just like yours. promo 20web05?
I see no one want to reveal their US Bank code.
Chase has the bonus $200 (direct deposit checking), $150 Savings must be $10,000 deposit.
In regards to $200 bonus that expires 08/06/2018, what’s the code? I called the branch in LA and they do not know of any bonus….
Jeff? Can you please address?
@ Danny – is there a code to use?? THX.
The us bank $225 checking account opening bonus code is not valid the bank says.
on your description you say Availability Nationwide.
On their website they say “This offer is valid in Washington D.C. and limited surrounding areas in Maryland, Virginia, West Virginia and Pennsylvania and is not transferable. A minimum deposit of $25 is required to open a U.S. Bank consumer checking account. ”
can you confirm you did a typo ?
thanks
Hi Jeff,
Thank you for being a reader. We posted several US Bank promotions and most of them are either nationwide or targeted. However,the $300 bonus is limited to Washington DC and the surrounding areas and we noted that on our post and our review of the $300 bonus.
Thanks,
Duc
How can I get the promotion code for the $300 bonus for US Bank checking please?
Exp on 4/30
US Bank Does not honor their bonus. We have tried for three months to get them to pay the $200. They kept saying the money was coming. We did all the things that were required to get the money. Now they say they never issued the flier, even tho we have the flier in our hand as we speak. We will be changing banks soon!
You are not the only one this has happened to. Both my husband and I opened separate checking accounts when they opened a new location in a Minnesota Byerlys. So far we have waited six months. We have talked to three separate agents at three separate banks. The first two agents told us, your money would be coming next month. The third agent told us the $200 code was never entered into our accounts. He assured us he would get right on it. It has been a month. Nothing, nada. Ironically, they have started a new $200 promotion. Tomorrow we will be going back to the bank to listen to another story why they can’t, won’t give us our $200 new account signing fee.
Us bank don’t honor bonus. Called them and they confirmed yes, will receive the bonus in about a month, now pass month and a half, still nothing.
No wonder they got so many bad reviews out there.
I am about to close my accounts. No more relationship with US Bank.