U.S. Bank Promotions 2025: $400, $1000 Personal Checking & Business Bonuses

Find the latest listing of U.S. Bank promotions, bonuses, and offers here.

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, 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 $1000 Business Essentials Checking Package Bonus

• What you’ll get: $400 or $1000 bonus
• Account Type: Business Essentials Checking Package
• Where it’s available: Nationwide
• How to earn it:
  • 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.
    • Open a U.S. Bank 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.

(Offer Expires 09/30/2025)

U.S. Bank $1000 Platinum Business Checking Package Bonus

• What you’ll get: $400 or $1000 bonus
• Account Type: Platinum Business Checking Package
• Where it’s available: Nationwide
• How to earn it:
  • 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.
    • Open a U.S. Bank 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.

(Offer Expires 09/30/2025)

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 

• What you’ll get: Up to $450 bonus
• Where it’s available: 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.
• How to earn it:
  • 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.
  • 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.

(Subject to certain terms and limitations. (Offer expires 06/26/2025). Member FDIC.)

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)

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)

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.

(Offer Expires 12/31/2022)

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 (Expired)

• 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).

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 Elite Money Market Account (Expired)

With the U.S. Bank Elite Money Market account, you can earn 4.25% Annual Percentage Yield (APY) on balances between $25,000+.

Treat yourself to extra savings when you open a U.S. Bank Elite Money Market account. Benefits include:

• 4.25% Annual Percentage Yield (APY) on balances between $25,000+
• Quick and easy online application and funding.
• No ATM transaction fees at U.S. Bank ATMs.
• Set custom alerts for important account activity.
• Bank when, where and how you want with the U.S. Bank Mobile App.
• Member FDIC.

U.S. Bank CD Special Rates (Expired)

Earn up to 4.95% 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.

Offer available in the following states: 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, FL, GA, NC.

How To Avoid Monthly Fees

• U.S. Bank Smartly^TM 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)
• 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

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.