Here’s your comprehensive guide to U.S. Bank bonuses and promotions, covering eligibility criteria, expiration dates of offers, comparisons of current promotions with previous offers, and much more!
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Headquartered in Minneapolis, U.S. Bank, a division of U.S. Bancorp, ranks as the fifth-largest banking institution in the U.S., boasting over 2,000 branches spread across 26 states.
The bank’s offerings include a wide variety of personal and small business financial products. To attract new clients, U.S. Bank frequently introduces appealing promotions.
Potential customers can earn a cash bonus upon opening either a personal or business checking account, provided they fulfill specific conditions. To secure the U.S. Bank personal checking bonus, you need to:
- Open an account and make a certain amount of direct deposits or complete a specified number of transactions within the initial months.
- Register for online banking or use the U.S. Bank mobile app.
The bank, initially established in 1863 as the First National Bank of Cincinnati, underwent several mergers and acquisitions in the early 2000s. This restructuring led to the establishment of its current headquarters in Minneapolis, Minnesota, and its expansive presence in the Midwest and Western U.S.
U.S. Bank often provides promotions to new customers when they open accounts, aiming to attract more people.
Current Best Bank Bonuses From U.S. Bank
U.S. Bank Smartly® Checking: Earn Up to $400 Bonus – Ends 7/31/25
Earn up to $450 with U.S. Bank’s Smartly® Checking account by setting up direct deposits and fulfilling simple requirements. Offer valid until July 31. Key Takeaways U.S. Bank offers up to $450 bonus for new Smartly® Checking accounts. Requires opening deposit of $25 and setting up qualifying direct deposits within 90 days. No monthly service fees with $1,500 average balance,… GET OFFER
U.S. Bank Business Checking Account $400 Or $1000 Bonus – Ends 9/30/25
Earn up to a $1000 bonus with U.S. Bank when you open a new business checking account with this offer. A deposit of new money will be required for the bonus. See the full requirements below. Update 7/3/25: The offer is back through Septebmer 30, 2025. More business checking bonuses here. This offer from Chase for a business checking account… GET OFFER
U.S. Bank Payment Solution Merchant Services $1000 Bonus Offer – Ends 9/30/25
Earn a $1000 statement credit for a new U.S. Bank Payment Solutions account with this offer. Update 7/3/25: The offer is back through September 30, 2025. Update 4/22/25: The offer is back through June 30, 2025. Update 10/22/2024: The offer is now for a $1,000 bonus through January 15, 2025. Update 5/21/2023: The offer is back and valid through 6/30/2023.… GET OFFER
How You Can Earn Bonuses From U.S. Bank
Banks, including U.S. Bank, are continually devising strategies to increase their customer base.
One such widely employed method is offering attractive bonuses for new account openings, subject to the fulfillment of certain criteria. These offers create a mutually beneficial situation for both the bank and the customer.
The exact prerequisites for availing these sign-up bonuses differ depending on the type of account you are opening:
- For a U.S. Bank personal checking account, setting up a direct deposit is typically required to qualify for a bonus.
- If you’re opening a business checking account, you need to deposit a specific amount of money into the new account and then perform 10 qualifying transactions. These transactions could include debit card purchases, ACH credits, or bill payments to earn your welcome bonus from U.S. Bank.
- U.S. Bank also provides promotional offers to new credit card holders. However, to claim this bonus, you usually need to spend a predetermined amount within the first few months of receiving your new card.
Remember, like all promotional offers, the U.S. Bank sign-up bonuses are subject to change. Deals may expire, criteria might be adjusted, and bonus amounts could vary. Keep checking back to stay updated with the best offers here.
READ MORE: EARN THOUSANDS IN BONUS MONEY WITH THESE BANK OFFERS
Are U.S. Bank Bonuses Worth It?
Indeed, U.S. Bank bonuses can be a great deal. They often provide some of the most generous bonuses available, with fairly achievable conditions.
Consider the following aspects:
- Most personal checking account offers necessitate setting up a direct deposit. Previously, these offers were tiered, enabling more people to benefit as the reward amount would increase with higher direct deposit amounts. However, the most recent offer has one set checking bonus.
- If you prefer a large national bank that doesn’t mandate a direct deposit for a bonus, you might want to explore promotions from Citibank, which typically have a balance requirement instead.
- You can see more bank offers that don’t require direct deposit here.
Nonetheless, it’s crucial to remember that bonuses should only be seen as additional benefits, not the primary reason for selecting a new account. If U.S. Bank’s convenience or customer service aligns with your needs, don’t let a one-time bonus be the decisive factor.
READ MORE: CHASE BANK OFFERS A GREAT WELCOME BONUS
Frequently Asked Questions (FAQ)
U.S. Bank is the fifth-largest banking institution in the United States, with its headquarters in Minneapolis and over 2,000 branches spread across 26 states.
U.S. Bank provides a variety of personal and small business financial products, including checking accounts, business checking accounts, and credit cards.
To secure a bonus from U.S. Bank, you need to open a new account and fulfill specific conditions, such as setting up a direct deposit for personal checking accounts or completing qualifying transactions for business checking accounts.
Yes, U.S. Bank bonuses are generally a good deal as they offer some of the most generous bonuses available, with fairly achievable conditions.
Most of U.S. Bank’s personal checking account offers necessitate setting up a direct deposit to qualify for a bonus.
Yes, U.S. Bank promotions, including sign-up bonuses, may change periodically. Deals can expire, criteria might be adjusted, and bonus amounts could vary. Keep checking back to stay updated on the most current offers.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Thanks for the very detailed information on how to have monthly fee waived, fine print and non- eligibility when one already has the checking account. You might want to add that the monthly fee is waived if savings account is opened along with checking account.
For the checking account bonus, does it mean two or more $2,000 direct deposits or $2,000 in total over 60 days meaning I can have 4 $500 direct deposits in 60 days and meet the requirement?
Yes, you can!
I applied online for a platinum checking account and got instant rejection due to my residency in Texas state. This is very odd.
Applied online for Easy Checking account. Immediately rejected upon application submission, probably for Virginia residency. Explanation letter purportedly forthcoming.
Yeah. You need to establish some relationship with the USB first if you don’t live in a state that has branch office. Open a brokerage account or credit card first.
Not available in Florida.
Thanks for the info!
The US Bank offer is NOT available in TX. I tried it twice and talked to them. They have no footprint and won’t let you have a checking account until you have mortgage, credit card, or an auto loan.
Hi, thank you for your informative posts. I subscribed! Some of these banks require that you get their promo codes in the mail and say you can’t get on their mailing list because it’s computer generated. Do you know how to get non their lists? Thanks again
Re offer code KW588V62. An offer was sent to my husband, William Kidwell Jr for $250 to open a USBank account. He passed away in 2017. I, Beverly J Kidwell opened an account with USBank in February this year and have all my direct deposits changed, am I eligible. Account number is 151707369170 at the Kingman, AZ branch.
Have tried the bonus link. Was asked to enter a zip code only to get to a screen saying that the promotion is not offered in my region (tried the Twin Cities Metro Area, MN, and San Francisco Bay Area, CA).
Ah, looks like it may just be for WI residents!
U.S. Bank just agreed to a $613 Million fine for Anti Money Laundering violations. The fine came about because of the Bank’s dealings with an illegal Payday lender.
Any info on how long. you must keep the account open to keep the $200 bonus?
Great post! Have nice day ! 🙂
Hello,
Where do enter the my email address to receive your promotion code?
Thanks,
9/7/16 I just called U.S. Bank about the $150 Checking Bonus 1. Mike, 3400 W. 38, Denver Branch, knew nothing about the bonus. 2. He referred me to a Denver Customer “Service” number where Abby also knew nothing. Normal business practice is a company can answer a potential customer’s questions.
: / Honestly, I can’t say I’m surprised. I definitely think we keep up with these offers more than most random bank customer service reps. Best bet is to print out a promo code and bring it into a branch or apply online with the promo code.