U.S. Bank Promotions & Bonuses in July 2025

Headquartered in Minneapolis, U.S. Bank is among the nation’s largest banks and has an impressive lineup of accounts for individuals and businesses. It also offers new customers generous promotions in exchange for opening a U.S. Bank account.

There are currently several U.S. Bank promotions. Whether you’re looking to earn a reward for opening a new checking account, business MMA, or credit card, read on for an up-to-date rundown of U.S. Bank’s bonuses.

Current U.S. Bank Promo Codes & Bonus Offers

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

• Platinum Business MMA: up to 3.50% Bonus Interest Rate
• Business Checking: up to $1000 bonus
• U.S. Bank Smartly® Checking: up to $400 bonus
• U.S. Bank Cash+® Visa Signature® Card: $200 bonus
• U.S. Bank Altitude® Go Visa Signature® Card: 20,000 bonus points
• U.S. Bank Altitude® Connect Visa Signature® Card: 50,000 bonus points

Platinum Business MMA

Bonus Amount

up to 3.50% Bonus Interest Rate

Account Type

Money Market Account

Availability

Nationwide

Bonus Requirements

1. Open a new U.S. Bank Platinum Business Money Market Account.
2. Deposit $50,000 - $2,999,999.99 in new money deposits to earn up to 3.50% bonus interest rate.
3. Subject to certain terms and limitations. Member FDIC.

Apply Now

at U.S. Bank

Full Offer Details

Business Checking

Bonus Amount

up to $1000

Account Type

Business Checking

Availability

Nationwide

Offer Expires

September 30, 2025

Bonus Requirements

1. Open a new eligible U.S. Bank business checking account online with promo code Q3AFL25 and complete qualifying activities.
2. To earn $400 bonus: Open a new Business Essentials account between 07/01/2025 and 09/30/2025. 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.
3. To earn $1,000 bonus: Open a new U.S. Bank Platinum Business Checking account between 07/01/2025 and 09/30/2025. 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.
4. For either bonus, you must also complete 5 qualifying transactions within 60 days of account opening.
5. Business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
6. Subject to certain terms and limitations. Offer valid through September 30, 2025. Member FDIC.

Apply Now

at U.S. Bank

Full Offer Details

U.S. Bank Smartly® Checking

Bonus Amount

up to $400

Account Type

Personal Checking

Availability

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

Offer Expires

July 31, 2025

Bonus Requirements

1. Open a new U.S. Bank Smartly® Checking account.
2. Within 90 days, enroll in online banking or the U.S. Bank Mobile App.
3. Within the same 90 days, make two or more direct deposits totaling amounts as follows: $3,000 - $4,999, earn $200; $5,000+, earn $400.
4. Bonus will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements.

Apply Now

at U.S. Bank

Full Offer Details

U.S. Bank Cash+® Visa Signature® Card

Bonus Amount

$200

Account Type

Personal Card

Availability

Nationwide

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.

Learn More

Full Offer Details

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

Bonus Amount

20,000 Points

Account Type

Personal Card

Availability

Nationwide

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.

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Full Offer Details

U.S. Bank Altitude® Connect Visa Signature® Card

Bonus Amount

50,000 Points

Account Type

Personal Card

Availability

Nationwide

Bonus Requirements

1. Apply for a U.S. Bank Altitude® Connect Visa Signature® Card using the link below.
2. Within 120 days, spend $2,000 on eligible purchases.
3. Bonus will post to your account within 6-8 weeks of completing the requirements.

Learn More

Full Offer Details

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:

Expired Offers From U.S. Bank

These bonuses were recently offered by U.S. Bank, but are not available right now.

Check back often as U.S. Bank may revive these deals or offer similar promotions in the future. In the meantime, it can sometimes be helpful to compare U.S. Bank's current bonuses to their previous deals.

Standard Savings - $100 bonus (Expired)

Expired: June 20, 2023

U.S. Bank previously offered $100 for opening a Standard Savings account.

To earn the bonus, you needed to:

1. Open a new U.S. Bank Standard Savings account from U.S. Bank, member FDIC.
2. By July 14, 2023 complete deposit(s) of $15,000 or more.
3. Until Oct 31, 2023 maintain a total account balance of $15,000.
4. The $100 bonus will be credited to your new savings account within 30 days of final savings account balance verification.

Personal Checking - $400 bonus (Expired)

Expired: September 2, 2022

U.S. Bank previously offered $400 for opening a Personal Checking account.

The steps to earning this bonus were:

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)

Expired: July 29, 2022

U.S. Bank previously offered $300 for opening a Business Checking account.

Earning this bonus required you to:

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)

Expired: July 5, 2022

U.S. Bank previously offered $300 for opening a Personal Checking account.

The requirements for this bonus were:

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)

Expired: October 29, 2021

U.S. Bank previously offered $750 for opening a Gold Business Checking account.

To earn the bonus, you needed to:

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)

Expired: July 13, 2021

U.S. Bank previously offered $400 for opening a Platinum Checking Package account.

Earning this bonus required you to:

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)

Expired: June 21, 2021

U.S. Bank previously offered $250 for opening a Personal Checking account.

To earn the bonus, you needed to:

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.

Why U.S. Bank?

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 more than 2,200 physical branches across the Midwest and Western U.S.

U.S. Bank offers a wide range of both personal and small business accounts, and they often offer new customers generous promotions in exchange for opening a new U.S. Bank account.

Learn more about U.S. Bank in our full review

U.S. Bank Locations

You may sometimes be required to visit a branch in-person to take advantage of a welcome offer. Or, you may just prefer the convenience of banking with institutions that have locations near you.

Get a better idea of how well U.S. Bank can serve you by checking out their branches closest to your area:

How Can You Earn A US 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 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 maintain that balance for 2 months in order to earn their reward.

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!

Reader Experiences with U.S. Bank Offers

Here are some of the things our readers have to say about their experience earning US Bank promotions, along with some of their helpful tips:

US Bank has excellent customer service if you ever need to work with them. As far as this bonus goes, my wife and I each used our direct deposit to get this bonus and it worked and they paid us within a couple weeks.

I opened this account up at the start of summer. The instructions and expectations were clear and concise. I deposited the minimum to avoid fees and set up direct deposit. I had $300 bonus in my account when it was all said and done.

You can do credit card funding of $3000 at the time of account opening. It will not take Amex but can use any business card.

Part of this offer requires the account holder to enroll in online business banking. This can be really confusing if you already have other US Bank products like a personal checking account or a credit card. An existing US Bank login means you'll be able to see your new Business Checking account on your dashboard. However, this DOES NOT mean you're enrolled in business banking. You actually need to create a 2nd username and password. I missed this requirement, and although I eventually got US Bank to pay, it was a hassle. Don't make the same mistake!

If you’re outside the footprint of U.S. Bank, you can open a self directed brokerage account online which will then allow you to do this promotion or any other promo at this bank.

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. Fortunately, these are typically tiered offers, where the reward amount increases if you are able to meet higher direct deposit amounts. This makes the bonuses accessible to more people. U.S. Bank has tested flattening the offer to a single threshold, but the most recent iteration brought the tiered structure back.

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.

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 2,200 physical branches and a suite of both personal and business products. Check out our full U.S. Bank review to learn more.

Good luck!