With so many bank accounts to choose from, a great sign-on bonus might be the deciding factor for you to open one. If you’ve been eyeing U.S. Bank for its range of financial offerings, take a look at the promotions it’s currently running. You might just find what you’ve been looking for, along with some extra cash to support your coffee habit.
Offer details are accurate as of January 10, 2025.
U.S. Bank Smartly® Checking
Offer
Earn up to $450*
Minimum Deposit Requirement
$25
Member FDIC
Earn up to $450*
$25
- 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. Offer valid through April 17, 2025. Member FDIC.
- Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Current U.S. Bank Promotions and Bonuses
These are the bonuses U.S. Bank is currently running to attract new customers. Check the U.S. Bank website for the latest information, as these promotions might be updated or withdrawn at any time.
U.S. Bank Smartly Checking Bonus: Earn up to $450
The Offer: Earn up to $450 when you open a new U.S. Bank Smartly Checking account and complete certain activities.
Eligible Account: U.S. Bank Smartly Checking
How it Works: Open your checking account through the U.S. Bank promotion page, in a branch or over the phone and make an opening deposit of $25 within 30 days. Within 90 days of opening the account, enroll in the U.S. Bank Mobile App or online banking and receive at least two direct deposits (paychecks, Social Security payments, etc.). Depending on how much you receive in direct deposits, you’ll get a tiered bonus.
- $2,000-$4,999.99 total direct deposit: $250 bonus
- $5,000-$7,999.99 total direct deposit: $350 bonus
- $8,000+ total direct deposit: $450 bonus
Eligibility: If you already have a U.S. Bank personal checking account, had one in the last 12 months or received another U.S. Bank checking bonus in the last year, you’re not eligible for this promotion.
Expiration: April 17, 2025
U.S Bank Business Checking Bonus: Earn up to $900
The Offer: Earn up to $900 when you open an eligible business checking account and complete the required activities.
Eligible Accounts: Silver Business Checking Account, Platinum Business Checking Account and Business Essentials Account (this account is available in just a handful of states)
How it Works: Use the promo code Q4DIY24 to open one of the eligible accounts.
If you open a Silver Business Checking or Business Essentials Account, you’ll need to deposit at least $5,000 in new money—that means it needs to come from a source outside U.S. Bank— within 30 days. Then, you’ll have to keep a daily balance of at least $5,000 for 60 days after opening the account. The reward? You’ll get $400.
If you open a Platinum Business Checking account, you’ll need to deposit at least $30,000 in new money within 30 days. If you then keep a daily balance of at least $30,000 for 60 days after opening the account, you’ll be rewarded with $900.
Eligibility: If you’re an existing U.S. Bank business checking customer—or if you’ve had a U.S. Bank business checking account within the last 12 months—you’re not eligible to receive this bonus.
Expiration: January 15, 2025
U.S. Bank Platinum Business Checking Account
Offer
Earn up to $900*
Minimum Deposit Requirement
$100
Member FDIC
Earn up to $900*
$100
Earn up to a $900 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q4AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 15, 2025. Member FDIC.
In the Market for a New Credit Card?
U.S. Bank offers a range of credit cards for personal and business use, some of which offer enticing bonus offers.
U.S. Bank Cash+ Visa Signature Card
U.S. Bank’s Cash+ Visa Signature credit card has no annual fee and earns you cash back on hotels, airfare, online shopping and more.
The offer: Get a $200 bonus and 5% cash-back perks after you’re approved for the U.S. Bank Cash+ Visa Signature Card and meet certain requirements.
Requirements: Spend at least $1,000 within the first 90 days of opening your account to receive the $200 bonus.
For the cash-back perks, you’ll need to choose two purchase categories (like streaming services and department stores or fast food and gas stations) for 5% cash back. Keep in mind that the 5% cash back will apply only to the first $2,000 you spend each quarter and that you’ll need to reselect your categories every quarter.
When you’ll get your bonus: Six to eight weeks for the $200 bonus and one to two billing cycles for the bonus cash back
Eligibility: If you currently have a U.S. Bank Cash Rewards account—or had one in the past—you’re out of luck on this one.
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank’s Altitude Go Visa Signature credit card has no annual fee and earns points on dining, groceries, streaming services and more.
The offer: Earn 20,000 bonus points after you’re approved for the U.S. Bank Altitude Go Visa Signature Card and meet certain requirements.
Requirements: Spend at least $1,000 in the first 90 days of opening your account.
When you’ll get your bonus: One to two billing cycles
Eligibility: If you received a new-account bonus for the U.S. Bank Altitude Go Visa Signature Card within the last five years, you won’t be eligible.
U.S. Bank Business Altitude Connect World Elite Mastercard
This business credit card comes with no annual fee for the first year and lets you earn points for business travel. Plus, it has no foreign transaction fees.
The offer: Get 60,000 bonus points after you’re approved for the U.S. Bank Business Altitude Connect card and complete certain activities.
Requirements: Spend at least $6,000 within the first 180 days of opening your account.
When you’ll get your bonus: Six to eight weeks
Eligibility: Current and previous U.S. Bank Business Altitude Connect card owners aren’t eligible for this offer.
Are these U.S. Bank bonuses worth it?
A bank bonus is worth it if the bank account or product meets your needs. U.S. Bank’s bonuses are attractive, but only if you’ll also benefit from the associated account.
If you’re already planning to add a credit card to your roster or open a new business checking account, one of these bonuses could be a great way to pocket some extra cash. Ask yourself these questions:
For a business checking account:
- What features does my business need in a checking account?
- Am I willing to pay a monthly fee? If not, can I meet the requirements to waive a monthly fee?
- How many transactions will I need to make per month?
- Will I need in-person assistance? If so, is there a U.S. Bank branch near me?
- Can I meet the requirements for the bonus?
For a credit card:
- Will I qualify for the credit card?
- Do I prefer credit card points or cash back on purchases?
- Do I tend to carry a balance on credit cards? If so, how much interest am I willing to pay?
- Which spending categories do I want to earn the most cash back or points on?
- Will I need in-person assistance? If so, is there a U.S. Bank branch near me?
- Can I meet the requirements for the bonus?
If your answers align with one of the U.S. Bank products above, then the bonus is worth it for you.
Find The Best Business Checking Accounts Of 2025
What You Need to Know About U.S. Bank
U.S. Bank is one of the largest banks in the country, and its roots go back to Abraham Lincoln’s presidency. Based in Minneapolis, U.S. Bank is the fifth-largest bank in the country, based on total assets, as of 2025.
Though most of its over 2,000+ branches are located in the Midwest and Western parts of the country, U.S. Bank’s digital and mobile presence allows customers nationwide to open accounts.
What Types of Accounts Does U.S. Bank Offer?
U.S. Bank offers a range of products geared toward individuals, small businesses and corporations. These include:
- Deposit accounts: checking, savings, money market accounts (MMAs) and certificates of deposit (CDs)
- Credit cards, loans and credit lines
- Investment and retirement accounts
