U.S. Bank Promotions – $600 Checking Account, $200-$500 Credit Card Bonus

U.S. Bank periodically offers big new account bonus promotions and this one is no exception – they just released a sizzling hot one with relatively simple requirements.

U.S. Bank National Association is FDIC insured (FDIC# 6548) with over 2,200 locations in 27 states. Their bank charter class is National Bank. As a bank, they’ve been in business since the 1800s! That’s pretty impressive.

This offer is nationwide with a high cash bonus but it does require a direct deposit.

Not only is the bank account bonus good but they also have a great credit card bonus!

💰 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 4/4/2023.

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

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

Table of Contents
  1. 1. U.S. Bank Smartly™ Checking – up to $600
    1. Previous Consumer Checking Promotion Codes
  2. 2. U.S. Bank Business Checking – $400
  3. 3. U.S. Bank Altitude Go Visa Signature Card – 20,000 bonus points (worth $200)
  4. 4. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® – $500
  5. How Does This Offer Compare?

1. U.S. Bank Smartly™ Checking – up to $600

U.S. Bank has a new promotion on their U.S. Bank Smartly™ Checking account – it’s a great offer for new accounts and the requirements are straightforward.

Earn up to $600 when you open a new U.S. Bank Smartly(TM) checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through 2/7/2023. Member FDIC.

Complete these steps within 60 days of opening your new U.S. Bank Smartly (TM) checking account online:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200 or $6,000 or more to earn $400

Earn an additional $200 when you open a new Standard Savings account, complete deposit(s) of $25,000 or more by February 28,2023 and maintain a total account balance of $25,000 until May 31, 2023.

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, or WY to be eligible for Checking account. And this excludes customers who have opened a checking account with US Bank and/or received a checking bonus offer within the past two years.

👉Learn more about this offer

(Offer expires 2/7/2023)

How to get the monthly fee waived

The account has a $6.95 Monthly Maintenance Fee that you can get waived with one of the following:

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

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)
  • For period ending November 21, 2022 – the promotion code was 2022OCT
  • For period ending December 19, 2022 – the promotion code was 22WEB11
  • For period ending February 7, 2023 – the promotion code was 2023JAN

2. U.S. Bank Business Checking – $400

If you run a business where you need to accept payments, U.S. Bank has a $400 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 $400.

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.

Member FDIC.

👉 Learn more about this offer

(Offer expires 2/22/2023)

3. 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

4. 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

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 4/4/2023. 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 WH323 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

Albert – $150

Albert will give you $150 when you open an account and receive a qualifying direct deposit of at least $500 within 45 days and spend at least $200 on goods and services every 30 days for 90 consecutive days with your Albert debit card.

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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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

  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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