September 25, 2023

U.S. Bank Checking Account Bonus

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Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

U.S. Bank frequently offers limited-time bonuses when you open a new personal banking account or business banking account.

Find out their current promotions and the requirements.

What Is a U.S. Bank Checking Bonus?

U.S. Bank checking bonuses are typically limited-time promotions for new customers. You get a cash reward after meeting the offer requirements.

They often have promotions for the US Bank Smartly® Checking account. Sometimes, it's paired with a Standard Savings promotion where you can earn more if you open both accounts. There are also frequent bonuses for their business checking accounts.

Have you previously opened a checking account with a bonus offer?

The offers are limited-time and the bonus amount differs with each offer. So if you happen to see a big one and you're in the market for a new account, snatch it up before it's gone.

Also known as U.S. Bancorp, U.S. Bank is one the largest commercial banks based in Minneapolis. It was founded in 1863 as the First National Bank of Cincinnati. Over the years, U.S. Bank has expanded its reach to over 2,200 branches in the West and Midwest.

Bonus Details

Here are the current US Bank checking account bonuses and how to get them:

U.S. Bank Smartly® Checking and Standard Savings - Up to $800 Bonus

Earn up to $800 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 29, 2023. Member FDIC.

Earn up to $500 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
  • Make two or more direct deposit(s) totaling $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $200 with a new Standard Savings account.

  • Make new money deposit(s) totaling $25,000 by January 31, 2024
  • Maintain that balance until July 31, 2024

Earn an additional $100 by fulfilling both the Bank Smartly Checking and Standard Savings requirements!

Offer may not be available if you live outside of the U.S. Bank footprint.

Learn More

Fine Print

While the exact requirements may vary based on the current promotion, they usually include the following:

  • You cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years.

  • You must use the corresponding promo code at account opening.

    The promo code will be automatically applied for you if you use our offer link. If you apply on a different page, you'll need to manually enter the promo code.

  • You must enroll in the U.S. Bank Mobile App or online banking within 90 days of opening your account.

  • A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit.

  • New money is considered money that is new to the customer or new to U.S. Bank where funds are coming from outside U.S. Bank.

  • Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.

  • Limit one checking and savings bonus per eligible account. Offer may not be combined with any other checking or savings account bonus offers.

Keep in mind that eligibility guidelines may differ with different offers, so it is advisable to refer to the particular offer when it comes out.

How to Open a US Bank Checking Account

  1. Start your application using the links provided, so the promo code will be applied.

  2. Fill out the form by providing basic personal information (name, SSN or EIN, email and phone number).

  3. Fund your account with an initial deposit (typically $25 for a US Bank Smartly® Checking account).

Which is your most important consideration when choosing a checking account?

U.S. Bank Smartly® Checking Account

This is U.S. Bank's personal checking account that comes with lots of cool features like:

  • Free ATM access at US Bank ATMs & MoneyPass® Network ATMs
  • No overdraft fees for overdrafts $50 or less
  • Overdraft Fee Forgiven program for overdrafts over $50
  • Free credit report
  • Budgeting tools and goal tracker in the U.S. Bank Mobile App

It has a monthly fee of $6.95, which can be waived by fulfilling one of the following:[1]

  • Have combined monthly direct deposits totaling $1,000 or more
  • Keep average account balance of $1,500 or more
  • Hold an eligible U.S. Bank credit card
  • Qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle)
  • Are age 24 or under, 65 and over, or a member of the military (must self-disclose)

U.S. Checking Account Bonus Alternatives


Does U.S. Bank offer free checking?
U.S. Bank does not offer a free checking account. But you can avoid monthly fees with a U.S. Bank Smartly® Checking Account with at least $1,000 in monthly direct deposits. It's also automatically waived for the military and those 24 and under or 65 and over.

How do I get $400 from U.S. Bank?
You can get $400 or more from U.S. Bank whenever they have promotional bonuses for new accounts. These are typically limited-time offers so best to act on them when they are available.

Does U.S. Bank offer a referral bonus?
There is no known U.S. Bank referral bonus. Instead, the bank publishes checking and credit card bonuses from time to time.

How do I get a U.S. Bank checking account?
You can get a U.S. Bank checking account by applying online or in person. Present your SSN and any government-issued ID, like a driver's license. Prepare to make an initial deposit of $25 as well.

What are U.S. Bank rewards?
U.S. Bank's Smart rewards are tiered incentives based on your total banking relationship with U.S. Bank. The higher your balances in your deposits and investments, the more perks you are entitled to, such as fee waivers.

Bottom Line

U.S. Bank checking bonuses don't stick around forever. So, if you want to make your checking a little more extra, don't hesitate to snatch one up.


  1. ^ U.S. Bank. Consumer Pricing Information, Retrieved 9/10/2023
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 1/24/2024
  • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Bank of America
Member FDIC

Bank of America Business Advantage Checking Account - $200 Bonus Offer

Expires 6/30/2024
Earn a cash bonus in three steps:
  1. Open a new eligible business checking account by June 30, 2024
  2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
  3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC

Citi Priority - Earn up to $2,000 Cash Bonus

Expires 1/9/2024
  • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
  • New to Relationship customers can choose their Relationship Tier.
  • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
  • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
  • If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
  • Bonus will be paid within 30 days after you successfully complete all required activities.
  • Restrictions apply.
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

Expires in 5 days

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY923 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

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Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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