U.S. Bank Promotions and Bonuses

U.S. Bank is the consumer banking division of U.S. Bancorp, which is the fifth-largest banking institution in the United States.

The bank traces its history back to 1863 when it was first opened as the First National Bank of Cincinnati. Following a series of mergers and acquisitions in the early 2000s, U.S. Bank officially established its headquarters in Minneapolis, Minnesota, and now operates over 3,000 physical branches across the Midwest and Western U.S.

Current Best U.S. Bank Promotions

Here are the active U.S. Bank bonuses that you can benefit from today:

1. Business Checking - up to $500 bonus

U.S. Bank is offering up to a $500 welcome bonus when you open and fund a new business checking account. Plus, the funding requirement has dropped significantly since the last time this promo was offered.

This is a two-part bonus. The first $400 is for depositing $1,500 in your new checking account and then completing some qualifying transactions such as using your debit card, receiving ACH credits, using mobile check deposit, paying bills, and more.

To earn an additional $100, you'll also need to accept and settle a U.S. Bank Payment Solutions Merchant transaction into your new account. This extra bonus isn't for every business, so we appreciate that U.S. Bank kept this requirement separate from the $400 offer.

Keep in mind that this promotion is only available nationwide to customers who already have a relationship with U.S. Bank. If you don't, you'll need to live in any of the 26 states in which they operate.

U.S. Bank : Business Checking

Bonus Amount
up to $500
Account Type
Business Checking
Availability
Nationwide
Offer Expires
October 28, 2022
Bonus Requirements
  1. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code Q3BUS22.
  2. Within 30 days, deposit $1,500 in new money.
  3. Within 60 days, complete 10 qualifying transactions (debit card purchases, merchant deposits, ACH credits, debit or credit wires, mobile check deposit or bill pay).
  4. Within the same 60 days, enroll in online banking or download and log in to their mobile app.
  5. Within the same 60 days, accept and settle a U.S. Bank Payment Solutions Merchant transaction into your new checking account to earn the additional $100 Payment Solutions bonus offer.
  6. Bonus(es) will be deposited into your new U.S. Bank business checking account within 45 days of meeting all requirements.

2. Cash+® Visa Signature® Card - $200 bonus

U.S. Bank's Cash+ Visa Signature Card offers new cardholders a welcome bonus of $200 after spending $1,000 on eligible purchases within the first 120 days of opening the account.

This is up from their old offer of $150, but the spend requirement is also higher (the old offer required $500 within 90 days).

The Cash+ Visa Signature Card offers a 0% intro APR on balance transfers for the first 18 months, a customizable cashback scheme, and no annual fee.

U.S. Bank : Cash+® Visa Signature® Card

Bonus Amount
$200
Account Type
Personal Card
Offer Expires
Limited Time
Bonus Requirements
  1. Apply for a new U.S. Bank Cash+® Visa Signature® Card using the link below.
  2. Within 120 days, spend $1,000 using your new card.
  3. Bonus will be credited to your rewards account within 6 to 8 weeks of meeting the requirement.

3. Altitude® Go Visa Signature® Card - 20,000 bonus points

The U.S. Bank Altitude Go Visa Signature Card offers new members 20,000 bonus points when spending $1,000 in the first 90 days of membership.

Your bonus points can then be redeemed for cash in the form of statement credits or a withdrawal to your U.S. Bank savings or checking account.

U.S. Bank : Altitude® Go Visa Signature® Card

Bonus Amount
20,000 Points
Account Type
Personal Card
Offer Expires
Limited Time
Bonus Requirements
  1. Apply for a new U.S. Bank Altitude® Go Visa Signature® Card using the link below.
  2. Within 90 days, spend $1,000 using your new card.
  3. Bonus will be credited to your rewards account within 6 to 8 weeks of meeting the requirement.

Summary: U.S. Bank's Current Bonuses

Here’s a recap of the current U.S. Bank promotions and offers that you can claim right now:

Account Account Type Amount Expires Requirements
Business Checking Business Checking up to $500 Oct 28 Min Balance, Bill Pay (optional), Card Spend (optional) Details
Cash+® Visa Signature® Card Personal Card $200 Limited Time Card Spend Details
Altitude® Go Visa Signature® Card Personal Card 20,000 Points Limited Time Card Spend Details

Expired Offers From U.S. Bank

These bonuses were recently offered by U.S. Bank, but are not available at this time. Check back often as U.S. Bank may revive these deals or offer similar promotions in the future.

Personal Checking - $400 bonus (Expired)

U.S. Bank is back with their bonus of $400 for opening a new checking account and making recurring direct deposits (at least 2) totaling $4,000 or more.

With each iteration of this offer, U.S. Bank seems to raise the bar slightly.

In Q4 2021, the reward was tiered depending on how much your direct deposits total was: $2,500 to earn $200, or $5,000+ to earn the full $400. In Q3, there was an additional $100 tier for having direct deposits that totaled $1,000.

Still, this is a mostly national bonus that is relatively easy to hit, so we definitely recommend taking advantage if you qualify.

U.S. Bank : Personal Checking

Bonus Amount
$400
Account Type
Personal Checking
Offer Expired
September 2, 2022
Bonus Requirements
  1. Open a new U.S. Bank personal checking account using the promo code 2022JUL.
  2. Within 60 days, be enrolled in online banking or the U.S. Bank mobile app.
  3. Within the same 60 days, complete recurring direct deposits that total $4,000 or more.
  4. Bonus will be deposited into your new account within 60 days of meeting requirements.

Business Checking - $300 bonus (Expired)

Available nationwide if you already have a relationship with U.S. Bank or in any of the 26 states in which they operate in if you don't, U.S. Bank is offering a $300 welcome bonus when you open a new business checking account and deposit new money. The minimum deposit requirement has nearly halved since the last time it was offered. You can open the account online; however, you must use the promo code when applying to receive the bonus.

U.S. Bank : Business Checking

Bonus Amount
$300
Account Type
Business Checking
Offer Expired
July 29, 2022
Bonus Requirements
  1. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code 'Q2BUS22'.
  2. Within 30 days, deposit $3,000 in new money and maintain that balance for 60 days.
  3. Within 60 days, Enroll in the U.S. Bank Mobile App or U.S. Bank Online Banking.
  4. Within 60 days, make five qualifying transactions Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay) .
  5. 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.

Personal Checking - $300 bonus (Expired)

Available nationwide with the ability to open online, U.S. Bank is offering a $300 welcome bonus when you open any new personal checking account (excluding Student and Safe Debit accounts).

This offer is less than the $400 they've offered in the past, but the requirements are also lower (from $5,000 in direct deposits to $4,000, and no debit card spend requirement) and the promotion now applies to more account types.

U.S. Bank : Personal Checking

Bonus Amount
$300
Account Type
Personal Checking
Offer Expired
July 5, 2022
Bonus Requirements
  1. Open a Platinum, Gold, or Easy Checking account using the promo code 22WEB06.
  2. Enroll in online banking or the mobile app.
  3. Within 60 days, complete 2 or more recurring direct deposits totaling $4,000.
  4. Bonus will be credited to your account within 60 days of meeting requirements.

Gold Business Checking - $750 bonus (Expired)

U.S. Bank is offering a $750 cash bonus to small business owners who don't yet have a checking or payment solutions account with them.

You'll need to open both a new Gold Business Checking account and a new Payment Solutions account to be eligible for the promotion, but the requirements beyond that are super straightforward: just accept a single payment, and U.S. Bank will deposit the bonus into your checking account within 45 days.

If you're curious to learn more about how to process payments, U.S. Bank has this onboarding resource. The easiest way is to use your phone and rent a card reader for $5.

This bonus is available nearly nationwide (excludes NY and FL unless you have an existing relationship with U.S. Bank), and you can open the account online.

U.S. Bank : Gold Business Checking

Bonus Amount
$750
Account Type
Business Checking
Offer Expired
October 29, 2021
Bonus Requirements
  1. Open a new Gold Business Checking Package and a new Payment Solutions Merchant Account using the link below.
  2. Within 30 days, accept and settle a Payment Solutions transaction into your new checking account.
  3. The bonus will be credited to your checking account within 45 days.

Platinum Checking Package - $400 bonus (Expired)

Available nationwide with the ability to open online, U.S. Bank is offering a $400 welcome bonus when you open a new Platinum Checking account and set up direct deposit and use your debit card.

U.S. Bank : Platinum Checking Package

Bonus Amount
$400
Account Type
Personal Checking
Offer Expired
July 13, 2021
Bonus Requirements
  1. Open a Platinum Checking account.
  2. Within 60 days, complete two or more recurring direct deposits totaling $5,000.
  3. Within the same 60 days make 10 or more debit card transactions totaling $50 or more.
  4. Bonus will be credited to your account within 60 days of meeting requirements.

Personal Checking Account - $250 bonus (Expired)

U.S. Bank is offering a $250 bonus for opening a new Platinum, Gold, or Easy Checking account and making recurring direct deposits (at least 2) totaling $3,000 and using your debit card.

This is a national bonus for an account you can open online, both of which is great for eligibility. However, U.S. Bank has offered more competitive bonuses in the past.

Earlier this year, the requirements were tiered, starting with just $1,000 in deposits to earn $100, up to $4,000 to earn $400. The debit card requirements are also new in this latest iteration of the bonus offer.

U.S. Bank : Personal Checking Account

Bonus Amount
$250
Account Type
Personal Checking
Offer Expired
June 21, 2021
Bonus Requirements
  1. Open a new U.S. Bank personal checking account using the promo code 21DIG06.
  2. Within 60 days, complete recurring direct deposits of 2 or more that total $3,000.
  3. Within the same 60 days, complete 10 debit card purchases totaling $50.
  4. Be enrolled in e-statements by July 5, 2021.
  5. Bonus will be credited to your account within 60 days of completing the requirements.

How Can You Earn A U.S. Bank Bonus?

Banks are always looking to attract as many new customers as possible.

One of the most popular ways that U.S. Bank and other institutions lure in new customers is by offering account opening bonuses, which are financial incentives you can get for opening a new account and meeting certain terms and conditions.

These new account offers are a win-win for both the bank and you, the customer.

The exact requirements for each sign-up bonus varies depending which new account you're opening.

For example, to score a U.S. Bank checking account bonus, you'll need to set up direct deposit if you're opening a personal account. Business checking customers on the other hand, are required to deposit some cash into their new account and then complete 10 qualifying transactions like debit card purchases, ACH credits, or bill pay in order to earn their welcome bonus from U.S. Bank.

U.S. Bank also offers deals to new credit card holders, but to earn this type of bonus you'll typically need to spend a certain amount within the first few months of having your new card.

Like all bank promotions, sign-up bonuses from U.S. Bank are constantly changing. Deals expire, requirements are tweaked, and payout amounts change. We keep track of all of this for you, so check back here often to stay up-to-date on the best U.S. Bank promotions available right now!

Are U.S. Bank Bonuses a Good Deal?

The short answer is yes, U.S. Bank bonuses are a good deal. They offer some of the highest bonuses out there, and the requirements are usually very reasonable.

Keep in mind that most of their personal checking account offers require direct deposit. In the past these were tiered offers, where the reward amount increased if you were able to meet higher direct deposit amounts. That made the bonuses accessible to more people. However, the most recent iteration did away with the tiers and flattened the offer to a single $4,000 requirement.

If you're looking for a bonus from a large national bank that doesn't require direct deposit at all, you may want to look at promotions from Citibank or Bank of America, which typically have a balance requirement instead.

Alternatively, you might consider online banks such as Discover or Upgrade, which reward customers for using their debit card.

Ultimately, however, a bonus should be treated as an additional perk – not a deciding factor – when choosing a new account. If U.S. Bank offers convenience or customer service that you find valuable, don't let a one-time bonus sway you.

U.S. Bank Promotions FAQs

How do I get a U.S. Bank promo code?

You can find most of U.S. Banks's active promo codes right on this page. From time to time U.S. Bank offers targeted offers that may vary slightly from what you see here.

Are sign-up bonuses from U.S. Bank taxed?

Yes, all bonuses coming from U.S. Bank promotions will be reported to the IRS and taxed as income. Keep this in mind when you're figuring out your total return on any given offer.

The exception here is credit card bonuses. Since most credit cards require a minimum spending amount to qualify for a bonus, the reward doesn't count as taxable income.

Do U.S. Bank offers expire?

Yes. As with most bank bonuses, U.S. Bank bonuses usually have expiration dates.

Also keep in mind that while many other national chains simply renew the same offers as the old deals expire, U.S. Bank has a history of raising the requirements with each iteration of the offer.

That said, bonuses are fluid. Don't feel like you have to jump on one just because it's about to expire. There will be others later on.

How long does it take to get paid a bonus from U.S. Bank?

With U.S. Bank, most business checking account bonuses will arrive within 45 days of completing the qualifying activities, personal checking bonuses within 60 days, and credit card offers within 6-8 weeks.

If you haven't received your bonus in the expected amount of time, double-check to make sure you didn't miss anything in the requirements, and contact the customer support team to find out what the hold up is.

Can I use multiple U.S. Bank promotions?

Probably not. Most promo codes are only available to new U.S. Bank customers, and you usually only get one shot at a particular bonus.

For example, if you've closed a U.S. Bank personal checking account in the last two years, you won't be eligible for any of their current personal checking welcome offers.

The only exceptions are referrals. You can earn a bonus for referring a friend to open a new account with U.S. Bank, and there is no limit to the number of referrals you can make.

As always, pay close attention to the fine print!

Which U.S. Bank Promotion Is Best For You?

U.S. Bank is currently offering a number of great checking account promotions and credit card bonuses.

And while you should never choose a bank solely based on a sign-up bonus, there's plenty to like with U.S. Bank once you get in the door, particularly if you live in the West and Midwest.

There, customers will have access to more than 3,000 physical branches and a suite of both personal and business products. Check out our full U.S. Bank review to learn more.

Good luck!

Find Out More About U.S. Bank

Review:
Contact:

U.S. Bank Mailing Address: 800 Nicollet Mall
Minneapolis, MN 55402
U.S. Bank Website