Find the latest listing of U.S. Bank promotions, bonuses, and offers here.
Currently, they have $300 or $500 personal checking bonus and $400 business checking bonus.
About U.S. Bank Promotions
Established in 1863, U.S. Bank is the 4th largest bank in the nation when ranked by the number of branches, with over 3,000 locations.
U.S. Bank offers money-saving benefits, option to receive interest and many extra perks, a wide array of locations across the nation, and much more.
I’ll go over U.S. Bank offers below.
U.S. Bank $600 SmartlyTM Checking Bonus
- What you’ll get: Up to $600 bonus
- 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
- How to earn it:
- 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.
- To earn the bonus, complete these steps within 90 days of opening your new U.S. Bank SmartlyTM checking account online:
(Subject to certain terms and limitations. (Offer expires 02/7/2023). Member FDIC.)
U.S. Bank $400 Silver Business Checking Package Bonus
- 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
- How to earn it:
- 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.
- Open a U.S. Bank Business checking account
- 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.
- 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.
(Offer Expires 02/22/2023)
U.S. Bank $400 Gold Business Checking Package Bonus
- 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
- How to earn it:
- 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.
- Open a U.S. Bank Business checking account
- 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.
- 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.
(Offer Expires 02/22/2023)
U.S. Bank $400 Platinum Business Checking Package Bonus
- 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
- How to earn it:
- 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.
- Open a U.S. Bank Business checking account
- 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.
- 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.
(Offer Expires 02/22/2023)
U.S. Bank Elite Money Market Account
With the U.S. Bank Elite Money Market account, you can earn 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.
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 $1,000 Brokerage Bonus (Expired)
- What you’ll get: Up to $1,000 Bonus
- Account Type: Brokerage account
- Availability: Nationwide
- How to earn it:
- From September 12, 2022 through December 31, 2022, you can earn up to $1,000 when you open a new investment account with U.S. Bancorp Investments and add balances.
- You can earn cash based on the balances below starting at $250,000 in assets. The more balances you add and maintain, the more you earn.
| Net new assets added and maintained | Cash earned |
| $250,000 – $499,999 | $250 |
| $500,000 – $999,999 | $500 |
| $1,000,000+ | $1,000 |
(Offer Expires 12/31/2022)
| Additionally, you may want to compare this offer to Ally Invest (Up to $3,000 Bonus Cash), WeBull (Get free stocks), and Betterment (12 months free service). |
Fine Print
- This offer is valid for clients who are 18 years or older, who open a new investment account with a U.S. Bancorp Investments Advisor and add net new assets of at least $250,000 (the “Threshold Amount”) into the new account between September 12, 2022 and December 31, 2022 and maintain the Threshold Amount through May 31, 2023.
- Funds currently held at U.S. Bancorp Investments are not applied to the Threshold Amount.
- Note that it can take up to six weeks for any external transfers to be completed.
U.S. Bank Payment Solutions $600 Bonus
- What you’ll get: $600 Bonus
- Account Type: Payment Solutions 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
- How to earn it:
- 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).
(Offer Expires 03/31/2023)
| Furthermore, I would compare this offer to Citi Priority Account (Up to $2,000 Cash Bonus), U.S. Bank SmartlyTM Checking ($400 Bonus), SoFi Checking and Savings Account ($275 Bonus), Chase Total Checking ($200 Bonus). |
Fine Print
- 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.
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 18.99% - 28.99%. 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 19.49% - 28.49%. 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 18.99 - 28.99% 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. |
How To Avoid 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 U.S. 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
Author’s Verdict
To summarize, U.S. Bank has some of the best promotions, bonuses, and offers nationwide.
However, keep in mind that waiving the monthly service fees can be difficult if you cannot meet the high account requirements.
Compare U.S. Bank rates for CDs and Savings with our best rates for Savings and CD accounts.
For more options, compare U.S. Bank Promotions to offers from Chase Bank, HSBC, Huntington Bank, Discover Bank, TD Bank, CIT Bank, Bank of America, or our list of the best bank bonuses.
Finally, remember to bookmark this page because you will always find an updated list of U.S. Bank promotions here.
