U.S. Bank will give you a $250-$450 cash bonus when you open a new U.S. Bank Smartly Checking account with qualifying direct deposits, or a $400-$900 cash bonus when you open a new U.S. Bank Business Checking account with a qualifying deposit of new money.
When you open a new U.S. Bank Smartly Checking account, you can get a $250, $350 or $450 cash bonus when, within 90 days of account opening, you enroll in online banking or the U.S. Bank mobile app and complete 2 or more direct deposits totaling $2,000 or more for a $250 bonus, $5,000 or more for a $350 bonus, or $8,000 or more for a $450 bonus.
With a new U.S. Bank Business Checking account (Silver or Platinum), you can get a $400 or $900 bonus when you deposit at least $5,000 within 30 days of account opening for the $400 bonus or at least $30,000 for the $900 bonus, and continue to maintain that minimum balance through 60 days after account opening.
This U.S. Bank promotion is available in the following states where they do business: Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Carolina, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.
U.S. Bank only performs a soft pull on your credit, and you can fund your new account with a credit card for up to $500.
U.S. Bank $250/$350/$450 Smartly Checking Bonus
1. Visit this U.S. Bank Smartly Checking Link to apply online.
2. Open a new U.S. Bank Smartly Checking account online using Promo Code “2024JUL”.
3. Complete 2 or more recurring direct deposits totaling $2,000 or more for the $250 bonus, $5,000 or more for the $350 bonus, or $8,000 or more for the $450 bonus within 90 days of account opening.
4. Enroll in online banking or the U.S. Bank Mobile App within 90 days of opening your account.
5. The $250/$350/$450 bonus will be deposited into your new checking account within 60 days of verifying your qualifications.
U.S. Bank $400/$900 Business Checking Promotion
1. For business owners, you can get this U.S. Bank Business Checking Offer when you deposit $5,000 or $30,000 in new money within 30 days of account opening and maintain the balance for 60 days.
2. If you deposit and maintain a $5,000 balance, you will earn the $400 bonus, and if you deposit and maintain a $30,000 balance, you will earn the $900 bonus.
3. In order to qualify, you must open a new U.S. Bank Business Checking Package with the Promo Code Q4DIY24.
4. The $400 or $900 U.S. Bank business checking bonus will be deposited into your new U.S. Bank business checking account within 45 days of deposit verification, as long as the account is open and has a positive balance.
U.S. Bank Smartly Checking Account Details
A minimum deposit of $25 is required to open a U.S. Bank consumer checking account.
Smartly Checking – Monthly maintenance fee of $6.95 can be waived: with combined monthly direct deposits totaling $1,000 or more; OR average account balance of $1,500; OR hold an eligible U.S. Bank credit card; OR qualify for 1 of the 4 Smart Rewards tiers (Primary, Plus, Premium or Pinnacle). Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. $2 Paper Statement Fee applies unless enrolled in eStatements (waived for account holders age 65 or greater).
U.S. Bank Accounts Available in Many States
You must reside in one of the following states to open a U.S. Bank account online: Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Carolina, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.
Soft Pull to Open U.S. Bank Checking Account
The rep also indicated that when you open a checking account, U.S. Bank will perform a soft pull to verify your identity and address, and it will not show on your credit report.
Use Credit Card to Fund U.S. Bank Checking Account
The rep also said that you can absolutely use a credit card to fund a new account (up to $500), including a U.S. Bank credit card, and it will process faster.
The opening deposit limit is $500, and if you use a U.S. Bank credit card, the opening deposit will NOT be considered a cash advance and will NOT have the higher APR.
You can also fund new accounts using another bank account, debit card, or credit card from another issuer, and the limit for all options is $500.
After the opening deposit, you can make regular deposits into the account either by visiting the branch, from another bank electronically, or if you want to deposit cash from a U.S. bank credit card (or another issuer’s card), it will be a cash advance at a higher APR rate in the future (at least for U.S. Bank cards).
Take advantage of these U.S. Bank promotions to earn $250/$350/$450 in bonus cash with a new personal checking account and $400/$900 with a new business checking account.
Find More Banking Bonuses
Check out more recent posts from our Banking Bonuses Category below.
- Monzo Mobile Banking $20 Sign-Up Bonus
- SoFi Checking $25-$325 Promotional Offer
- Mercury Business Banking $250 Bonus
- Langley FCU $50 Checking Bonus
- Financial Partners CU $100 Membership Bonus
- Affinity FCU $100 New Account Bonus
- Upgrade Rewards Checking $200-$400 Bonus
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- Chase Bank $100-$3,000 Promotional Offers
- Lively Health Savings Account $35 Bonus
Review these top bank account promotions and nationwide credit union new member offers to earn extra sign-up bonuses.
THOMAS A CORDOVA says
I opened an acount. Enroled in on line banking and mobile app. Direct deposit Government Pension checks (almost $15,000 with in the 90 days. Called to ask when bonus told about 60days? after qualified deposits. Called again to make sure no hidden qualifiers and told all good. Called again to ask for status and told don’t know but looks like i did meet requirement. Called again told met requirements and would get call back. Called again for status, never got callback. when I did get call they also said looks like I met the requirement and she would look into it and call back (After a long conversation that had lots of why others were not qualified for different reason, mailer was to spousde…with lots of “fishing for answers” type conversation) When finally called back told did not make 10 debit transaction when the previos call stated was not listed on my promo and other calls varified I met all requirements even when I asked about other including debit card transactions as example of not listed qualifers that may pop up not listed on promo. opened account June 6. Got a return call Nov 20 after depositing over $60,356 in my account (direct deposits almost $40,000) I do not see debit transaction requirements in this promo. Did i miss it?
Lala says
23DMC05 is a targeted offer and is non-transferable, if I were to have opened my account with this code I wouldn’t have gotten the bonus because I was not sent the mailer.
MM Team says
Hello Lala,
Thank you very much for your comment and for letting us know about this being a targeted offer. I am not positive if they updated the terms after I posted about the offer, or if it was there previously and I did not notice. However, it looks like they are trying to prevent these offers from being spread around on deal sites.
I have made updates to the above post accordingly. Thank you again for your help.
frank says
Also rejected live in CT
Craig says
This does not to appear to be a Nationwide offer. I know of several people who have tried opening an account in Texas and US Bank denied the apps. YMMV.
BRIAN ANDERSON says
HI—–what about just doing a direct deposit from one of your other bank accounts – would US Bank know that’s it’s not from an employer ? If you were to open a business bank account at another bank, then do a direct deposit to this US bank to meet requirements – would US bank accept this as a qualifying direct deposit ?
AM Johns says
If you are self-employed and it is a legitimate payroll check, I expect they would. Before I retired, I did that with some of these offers. But those were legitimate payroll checks. I was not trying to commit bank fraud by pretending to do a direct payroll deposit when it really wasn’t — which is why I assume you asked, “would they know it’s not from an employer.”