U.S. Bank Promotions – $400 Checking Account, $200-$500 Credit Card Bonus

I love a good bank promotion and U.S. Bank just released a sizzling hot one for you guys.

I first heard about U.S. Bank from a business partner (they don’t have a location in Maryland). They had a good relationship with their business banker so when we started a new venture, we got just added a new U.S. Bank business account.

It was pretty streamlined and while we didn’t get a bonus, I did learn later that U.S. Bank has some pretty solid new account bonuses.

The bank account bonus is good but keep reading because the credit card bonus is phenomenal!

💰 Get up to $2000 from a Citi Priority Account Today!

Citi Priority is offering up to $2000 when you open a Citi Priority Account by 1/9/2023.

Then, within 20 days of opening your account, deposit New-to-Citi® funds and keep it there for 60 days after the 21st day. The bonus is based on the amount you transfer.

This is a limited time offer so don’t wait!

Learn more about this offer

👉 Don’t have nearly that much cash? Consider this easy $150 or $200 bonus offer from Discover Bank instead!

👉 Bank of America’s $100 Bonus Offer is very popular too!

Table of Contents
  1. 1. U.S. Bank Consumer Checking Offer – $400
    1. Previous Consumer Checking Promotion Codes
  2. 2. U.S. Bank Business Checking – $300
  3. 3. U.S. Bank Altitude Connect Visa Signature Card – 50,000 bonus points (worth $500) ⭐
  4. 4. U.S. Bank Altitude Go Visa Signature Card – 20,000 bonus points (worth $200)
  5. 5. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® – $500
  6. 6. U.S. Bank Bank Smartly™ Checking
  7. How Does This Offer Compare?

U.S. Bank National Association is FDIC insured (FDIC# 6548) with three thousand locations in 27 states. Their bank charter class is National Bank. As a bank, they’ve been in business since the 1800s!

1. U.S. Bank Consumer Checking Offer – $400

Editor’s Note: As of September 2nd, U.S. Bank is no longer offering this new account bonus but we hear it may return soon. For more bonuses, check out our post on the best bank bonuses and promotions or click here to sign up for our email newsletter and get notified of new bank promotions.

Their richest offer for a consumer checking account is currently $400.

It’s a simple bonus to get as long as you are in their geographic footprint. If you aren’t, you won’t get approved for an account.

The checking requirements are that you:

  • Open a new U.S. Bank Gold, Platinum or Easy Checking account by 9/2/2022 with the U.S. bank promo code 2022JUL,
  • Complete two or more direct deposits totaling $4,000 or more and enroll in online banking or the U.S. Bank Mobile app within the first 60 days of opening your account.
This offer is not tiered this time around but had been previously.

Must be a new customer, so you can't get this bonus if you or any signer on the account has an existing U.S. Bank account, or had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the last two years.

Several checking accounts work for this offer including the Platinum Checking Package, Gold Checking Package, or Easy Checking Package.

The Platinum Checking Package is their highest tier checking account that pays a little bit of interest. There are no ATM transaction fees for non-U.S. Bank ATMs and you also get no-fee overdraft protection transfers. There is a $24.95 monthly maintenance fee that is waived if you have $25,000+ in combined personal deposits, credit balances with U.S. Bank (or investments with U.S. Bancorp Investments) or you have a personal trust relationship with U.S. Bank Wealth Management.

The Gold Checking Package doesn’t pay interest but you get you won’t get charged ATM fees on the first two non-U.S. Bank ATM transactions. You also get reduced overdraft protection fees. There is a $14.95 monthly maintenance fee unless you have an open U.S. Bank personal loan, line, mortgage or credit card.

Finally, Easy Checking is the most basic of the checking accounts and has a $6.95 monthly maintenance fee unless you have combined monthly direct deposits totaling $1,000+ or you maintain an average balance of $1,500+ or you are an account holder who is 65 or older. You want to make sure you’re enrolled in eStatements to avoid a $2 fee on paper statements (this is waived if you are aged 65+).

Since every checking account package qualifies for the bonus, it seems to make the most sense to go with the Easy Checking package!

👉 Learn more about this offer

(Offer expires 9/2/2022)

You have to be in a state where they do business to be able to open an account. Those states include Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Previous Consumer Checking Promotion Codes

If you’re looking for the U.S. Bank promo codes for previous dates on this offer, we have this list below based on the end date of the promotion:

  • For period ending Feb. 21, 2022 – the promotion code was 22WEB01
  • For period ending Mar. 28, 2022 – the promotion code was 2022FEB
  • For period ending Apr. 25, 2022 – the promotion code was 22WEB04
  • For period ending June 13, 2022 – the promotion code was 2022MAY
  • For period ending August 8, 2022 – the promotion code was 2022JUL
  • For period ending September 2, 2022 – the promotion code was 2022JUL (they only updated the expiration date)

2. U.S. Bank Business Checking – $300

If you run a business where you need to accept payments, U.S. Bank has a $300 bonus offer when you open a Silver, Gold, or Platinum Business Checking Account with the U.S. Bank promo code AF49ZCB and:

  • Within 30 days, deposit $3,000 in new money and maintain that for 60 days.
  • Enroll in the U.S. bank Mobile App or U.S. Bank Online Banking within 60 days of opening your account.
  • Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.

Once you satisfy those conditions, you get $300.

Available in 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.

👉 Learn more about this offer

(Offer expires 8/31/2022)

3. U.S. Bank Altitude Connect Visa Signature Card – 50,000 bonus points (worth $500) ⭐

U.S. Bank Altitude Connect Visa Signature CardIf you open a U.S. Bank Altitude Connect Visa Signature Card, you can get 50,000 bonus points (worth $500) when you spend $2,000 in the first 120 days. The points are redeemable for merchandise, gift cards, cash back, travel, and more. What makes it even more impressive is that the points never expire.

The card also offers:

  • 4X points on takeout, food delivery and dining,
  • 2X points at grocery stores, grocery delivery, streaming services and gas stations,
  • 1 point per $1 on all other eligible purchases.
  • $30 credit for annual streaming service purchases (Netflix, Spotify, etc.)
  • $100 TSA PreCheck / Global Entry credit once every four years

$0 annual for the first year, then $95 per year after that.

👉 Learn more about this card and others

4. U.S. Bank Altitude Go Visa Signature Card – 20,000 bonus points (worth $200)

U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARDWould you like to get 20,000 bonus points (worth $200) when you spend $1,000 in the first 90 days

The U.S. Bank Altitude Go Visa Signature Card will give you just that plus:

  • 4X points on takeout, food delivery and dining,
  • 2x points at grocery stores, grocery delivery, streaming services and gas stations,
  • 1 point per $1 on all other eligible purchases.

The 20,000 points can be converted to cash as either a statement credit on the card or a deposit to your U.S. Bank savings or checking account (you don’t need one to get the credit card or the rewards).

The annual fee is a $0 plus they give you a streaming bonus of $15 in credit for services like Amazon Music, Pandora, YouTubeTV, Netflix, Spotify, and more.

👉 Learn more about this card and others

5. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® – $500

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® has a bonus where you can get $500 in cash back when you spend $4,500 on the Account Owner's card in the first 150 days of opening your account.

This business card also offers: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases.

All with a $0 annual fee.

Pretty solid business card offer!

👉 Learn more about this card and others

6. U.S. Bank Bank Smartly™ Checking

Get a checking account that empowers you to Bank Smartly™.

Put U.S. Bank’s new checking product to work for you with:

  • Multiple ways to get monthly maintenance fees waived
  • No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs
  • Manage cash easily with automated budgeting in a #1 rated mobile app
  • Fast payments with Zelle®
  • No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
  • Access to U.S. Bank Smart Rewards™ to reap additional benefits

Applicant must reside in 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 to be eligible for Checking account.

Member FDIC.

👉 Learn more

How Does This Offer Compare?

This is a pretty solid offer if you’re looking for a basic checking account. The direct deposit requirements are a little high at $2,000 in total but the $300 bonus is on par with some of the ones you’ll see on our list of bank bonuses.

If you have your heart set on U.S. Bank, this is a good offer.

Otherwise, if you’re still shopping around, here are some other competitive offers:

⭐Citi Priority Account – up to $2000

Citi Priority is offering up to $2000 bonus when you open an account by 1/9/2023. Then, within 20 days of opening your account, deposit at least $10,000 in New-to-Citi® funds and keep it there for 60 days after the 21st day. The bonus amount is based on how much you can transfer but the lowest tier starts at $10,000.

👉 Click here to learn more

Discover Online Savings Account – $150 or $200

Discover Bank is offering a $150 or $200 bonus when you open your first Discover Online Savings Account with the promotion code WH922 and deposit at least $15,000 into the account within 30 days. You get $150 if you deposit $15,000 or more and $200 if you deposit $25,000.

👉 Click here to learn more

Bank of America – $100 Bonus Offer

Bank of America offers a $100 Bonus Offer cash bonus if you open a new account and set up and receive qualifying direct deposits totaling $1,000 or more into that account within 90 days of account opening. It has a monthly fee that is easy to have waived.

👉 Click here to learn more

Chase Total Checking® – $200

Chase Bank will give you $200 when you open a Total Checking account and set up direct deposit within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!

👉 Click here to learn more

Huntington Bank – up to $300

If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin then you could get up to $300 from Huntington Bank for opening a new checking account. There are several checking accounts that qualify but they’re great offers if you live in their geographic region.

👉 Click here to learn more

The U.S. Bank promotion is comparable but it’s not the absolute best out there. I think that you may find a better offer if you dig a little bit more.

Finally, before you go, make sure you review our guide on bank account bonuses so you know what to watch out for whenever you try to take advantage of one of these offers.

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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  1. mat kim says

    I used the link on this page to apply for the easy checking. I used an ACH deposit from my personal account. US Bank said they will not acknowledge any ACH that is not from a government agency or employer. I understand direct deposit can mean a lot things including various ACH deposits [depending on the bank]. Honestly, I would continue to use their services if they gave me a reason. Unfortunately they are doing the opposite and I will stay clear of them especially since they are the most ethical bank, right?

    • Jim Wang says

      These types of promotions generally require a direct deposit from an employer or government entity (benefits) – it’s almost universal in that way because it’s seen as a way to make the account “stickier.”

  2. DK Jackson says

    If your direct deposit is Social Security, you cannot meet the 60-day criteria. It takes two payment cycles for Social Security to process a change in direct deposit. US Bank will not take this information into consideration and will not provide the incentive.

  3. H. Stone says

    The US Bank announcement is misleading: Doesn’t mention that you must complete recurring direct deposits that total $4,000 or more and be enrolled in e-statements within 60 days of account opening.

    • Jim Wang says

      Yes you are correct, I’ve updated the post to reflect the clearer language. The $4,000 figure is in their terms and conditions and not higher up on the page, which can be misleading. Thank you!

  4. Monique Bourgeois says

    There are other sites that share similar information but Wallethacks is the best – most organized, most reliably up-to-date, highest number of offers and links that really work (highest success rate), and most helpful explanations and insights. You can learn a lot and earn a lot – even if you don’t have much to start with.

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