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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 $400 & $1,000 business checking bonus when opening a new Checking or Business Account.
Update 7/1/25:
- The business checking offer has been extended through 9/30/25
- Receive a bonus interest rate up to 3.50% 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. Member FDIC.
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 $1000 Business Essentials Checking Package Bonus
Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,000 when you open a Platinum Business Checking Account online with promo code Q3AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 30, 2025. Member FDIC.
- What you’ll get: $400 or $1,000 bonus
- Account Type: Business Essentials Checking Package
- Where it’s available: Nationwide
(Expires 09/30/2025)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
Complete these steps to earn the offer:
- Open a business checking account.
- Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/01/2025 and 9/30/2025.
- 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.
- Earn your $1000 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 7/01/2025 and 9/30/2025.
- 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.
- Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials®, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
- Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
- Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
U.S. Bank $1000 Platinum Business Checking Package Bonus
Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,000 when you open a Platinum Business Checking Account online with promo code Q3AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 30, 2025. Member FDIC.
- What you’ll get: $400 or $1000 bonus
- Account Type: Platinum Business Checking Package
- Where it’s available: Nationwide
(Expires 09/30/2025)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
Complete these steps to earn the offer:
- Open a business checking account.
- Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/01/2025 and 9/30/2025.
- 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.
- Earn your $1000 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 7/01/2025 and 9/30/2025.
- 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.
- Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials®, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
- Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
- Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
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. Earn up to 3.50% APY when you pair U.S. Bank Smartly® Savings with an additional eligible product and have combined qualifying balances of at least $100,000. Additional rates available and vary by balance tier.
- Waive your monthly maintenance fee when you maintain a U.S. Bank Smartly® Checking, Safe Debit account or U.S. Bank Smartly™ Visa Signature® Card.
Member FDIC.
(at U.S. Bank)
U.S. Bank Platinum Business Money Market
Receive a bonus interest rate up to 3.50% 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. Member FDIC.
Complete these steps to earn the offer:
- Open a new Platinum Business Money Market Account
- 3.50% bonus interest rate when your account balance tier is between $50,000 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 until the account balance is $2,999,999.99 or below.
(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 06/26/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 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) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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:
- Business Essentials 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.
I opened with US Bank this year (2023) I’ve been having a lot of problems with them holding my money and isn’t Zelle supposed to be instant? Why does the recipient have to wait couple days for it to go through? Even though they took money out of my account already.. what is going on?
I was able to open a U.S. Bank biz checking account with an Oklahoma address.
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
did you get it? I think my situation was just like yours. promo 20web05?
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
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.
The code for the spring bonus is 2020Q1C
Found it by googling.
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
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
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
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.
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.
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.
US bank is the worst bank, denial customers bonus using bogus reasons, happened to me and several of my friends.
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
Hey Earl,
That sucks. I would contact US Bank and make sure you have all your papers and terms.
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
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.
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.
@ Danny – is there a code to use?? THX.
Jeff? Can you please address?
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….
The us bank $225 checking account opening bonus code is not valid the bank says.
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
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
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!
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.