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

Find the most updated U.S. Bank Bonuses, offers and promotions here.

You’ll find a $400, $1000 business checking cash offers from U.S. Bank below.

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 Bonuses Review

In 1863, U.S. Bank was established but known as the “First National Bank of Cincinnati”. Today, U.S. Bank is owned by U.S. Bancorp. U.S. Bank has 3,000+ locations and is one of the top banks in the nation in terms of assets.

U.S. Bank bonuses & offers many options for those looking to open a new personal checking account. You’re able to open a U.S. Bank checking account in-branch, online, over the phone.

I’ll go over the U.S. Bank bonuses & 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 $1000 bonus
• Account Type: Business Essentials Checking Package
• Where it’s available: Nationwide
• Direct Deposit Requirement: No
• Bonus Requirements:
  • Open a new, eligible 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.

How To Waive Monthly Fee

With the U.S. Bank Business Essentials Checking Package, there is a $0 monthly maintenance fee.

(Offer Expires 09/30/2025)

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
• Direct Deposit Requirement: No
• Bonus Requirements:
  • Open a new, eligible 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.

How To Waive Monthly Fee

With the U.S. Bank Platinum Business Checking Package, there is a $30 monthly maintenance fee waived with:

• $25,000 average collected checking balance – OR –
• $75,000 combined average collected business deposits and outstanding business credit balances

(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

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:
  • U.S. Bank Smartly® Checking
• 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.
• Direct Deposit Requirement: Yes
• Bonus Requirements:
  • 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.

How To Waive Monthly Fee

This account does carry a $6.95 Monthly Maintenance Fee waived 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)

(Expires 06/26/2025)

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)

Earn up to $1,000 bonus when you open and fund an investment account.

• What you’ll get: Up to $1,000 Bonus
• Account Type: Brokerage Account
• Where it’s available: Nationwide
• Direct Deposit Requirement: No
• Bonus Requirements:
  • 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.

Learn more.

(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 Account $600 Bonus (Expired)

Earn a $600 bonus when you open a new U.S. Bank Payment Solutions Account with qualifying activity.

• What you’ll get: $600 Bonus
• Account Type: U.S. Bank Payment Solutions Account
• 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
• Direct Deposit Requirement: No
• Bonus Requirements:
  • 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).

Learn more.

(Offer Expires 03/31/2023)

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)

The U.S. Bank Elite Money Market account is offering 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.

U.S. Bank Checking Account Bonuses & Features

U.S. Bank offers cash incentives and bonuses for customer opening a new checking account from time to time.

Some offers may include opening a checking along savings account package.

All US Bank checking accounts offer:

• free online banking
• bill pay
• mobile deposits
• overdraft protection.

To help cover overdrafts, you’re able to link up to 3 eligible accounts.

Funds can be transferred with no transfer fee if you like an US Bank savings or money market account. You’re also able to link a US Bank credit card, line of credit, or home equity line of credit (heloc) – however, with these options, there may be a transfer fee / subject to interest charge.

*Tip: To help avoid overdrafts, you’re able to set up custom alerts which alert you via email / text when your balance reaches a certain level.

With Zelle, you’re able to send money easily to anyone with just a U.S. email address or phone number.

What You’ll Need to Open a U.S. Bank Business Checking Account

• Your business’s EIN (Employer Identification Number) or tax ID number (Sole proprietors are able to use the owner’s Social Security number)
• Articles of Incorporation, Articles of Organization, or a charter or a similar legal document that indicates when your company was formed (not required for sole proprietors)
• Government-issued photo ID and Social Security number (SSN) for you and anyone else authorized to sign checks or make transactions on behalf of your organization

Conclusion

These are all the current offers and bonuses from U.S. Bank. We will continue to update you with the latest coupons and the best promotions U.S. Bank has to offer. Find a location near you.

Keep in mind that U.S. Bank will report your bonus as interest earned to the IRS via form 1099-INT and that you’ll be responsible for any applicable taxes owed.

Furthermore, use our bank bonuses page to find other offers. Comparatively, some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo, Citi, Bank of America, and many more.

You can also compare U.S, Bank rates to our list of the best CD rates here and savings/money market rates here.

Check back often for more U.S. Bank Bonuses, Promotions, or Offers!