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Enjoy the benefits of our Financial Wellness Program.

Join the program to get access to:

  • Free personalized sessions with a U.S. Bank Goals Coach
  • Special rewards and exclusive offers
  • The Financial Wellness Hub with personalized tips and resources

As a U.S. Bank client, you can take advantage of an array of tools in our award-winning mobile app and online banking.

Take control of your future.

U.S. Bank Goals Coaching

Your dreams aren’t just about money, and neither is goals coaching. Our coaches can help you turn your passions into plans so you can build the life you want.

Unlock your financial possibilities.

Discover learning modules designed for your specific interests. Get the tips and tools to help you reach your goals.

EARN A CHECKING BONUS

Reach toward your goals with up to $450.

Open a new U.S. Bank Smartly® Checking account and complete required activities to qualify for your bonus.

This offer is valid through September 26.

Earn your bonus.

To earn up to $450, open a Bank Smartly® Checking account online, in a branch or over the phone with an opening deposit of $25. Then, enroll in the U.S. Bank Mobile App or online banking and complete two or more direct deposits within 90 days.

Your bonus is determined by the total amount of your direct deposits:

  • Earn $250 when the combined total of your direct deposits is between $2,000 and $4,999.99. 1
  • Earn $350 when the combined total of your direct deposits is between $5,000 and $7,999.99. 1
  • Earn $450 when the combined total of your direct deposits is $8,000 or more. 1

Enjoy the benefits.

  • $0 overdraft fees for overdrawn balances of $50 or less  2
  • Overdraft Fee Forgiven program 3 when overdrawn $50 or more
  • $0 monthly maintenance fee when qualifiers are met (otherwise $6.95) 4
  • $0 ATM transaction fees at U.S. Bank ATMs 5
  • ATM transaction fees waived on the first two Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after two) 5
  • 50% discount on personal checks ordered through the mobile app or online banking 6
  • Exclusive U.S. Bank Smart Rewards® program

Note: Use the Apply button above and we’ll enter the promo code for you. If you apply for your checking account from a different page, you’ll need to manually enter this promo code to your account application: 7 2024JUL.

Help your kids learn to earn, save, and spend wisely.

With a Greenlight debit card, kids learn about smart spending with real-world experience managing their money. Parents can send money instantly, set flexible controls, and get real-time notifications of all money activity. Best part? It’s complimentary 8 with an eligible U.S. Bank Smartly Checking account.

Start your home-buying journey on the right foot.

Whether you’re a first-time homebuyer, a seasoned professional or somewhere in between, you have unique needs. We have solutions to meet them.

  • A fast, free pre-qualification process that doesn’t impact your credit score
  • Tools and calculators to help guide your decision-making 
  • Experienced, dedicated professionals committed to your needs 
  • A wide-range of home-buying resources
  • A mortgage loan closing cost credit of 0.25% on your new first mortgage loan amount, up to a maximum of $1,000.9
U.S. Bank Investments logo

Make investing easier.

Automated Investor combines investing expertise with smart technology to automatically manage your investments based on your financial goals and market volatility. If you need additional help, financial professionals are just a phone call away.

Receive exclusive pricing from U.S. Bancorp Investments, an affiliate of U.S. Bank. Try Automated Investor with no advisory fees for one year. 10 After that, pay just $2.40 a year for every $1,000 invested. 11

Enter this promo code to your account application to receive the offer: Gonzag.

You deserve the best.

More than one million customers have given the U.S. Bank Mobile App an overall rating of five stars. Industry experts ranked us #1 for:

  • Best mobile app12
  • Best digital mortgage tools13
  • Best customer service features14
  • Best mobile check deposit15
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Disclosures

  1. U.S. Bank Smartly® Checking bonus: To be eligible,  you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months. You must also use the promo code 2024JUL at account opening. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 either online, in a branch or over the phone from July 9,  2024 through and including September 26, 2024. Additionally, you must enroll in the U.S. Bank Mobile App or online banking within 90 days of opening your account. You must also complete two or more direct deposits within 90 days of opening your account that total: $2,000 to $4,999.99 to earn the $250 bonus, $5,000 to $7,999.99 to earn the $350 bonus, or $8,000 or more to earn the $450 bonus. A direct deposit is @an electronic deposit of your paycheck made through the Automated Clearing House (ACH) network or an electronic deposit of your 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. Your checking bonus (“adjusted interest”) 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. Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers.

     

    Additional Terms & Conditions: Limit one checking bonus per eligible account. Current U.S. Bank employees are eligible to participate. Offer may not be available if you live outside of the U.S. Bank footprint. Offer not available through Alliance partnerships. Offer not available with Trust Accounts. Other restrictions may apply. All standard account terms, conditions and opening procedures apply. For a comprehensive list of account pricing, terms and policies, see the Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure.

  2. In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

  3. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATMs, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.

  4. Members of the military (requires self disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or presence of an eligible personal U.S. Bank credit card; or qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

  5. ATM Transaction FeeU.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM.  Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge.  Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  6. When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.

  7. You must use the promotion code listed on this offer when you apply. If you navigate away from this page, the promotion code is not automatically included and you will need to manually input the code during your application.

  8. U.S. Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) is added as a funding source. You are required to be an authorized transactor on the U.S. Bank account, be at least 18 years of age, and be enrolled in online banking. Your U.S. Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your U.S. Bank checking account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible U.S. Bank checking account, you may be charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See greenlight.com/terms for additional information. Offer subject to change.

  9. To be eligible for the U.S. Bank Corporate Programs client credit, you need to be employed by, a member of, or affiliated through a participating U.S. Bank Corporate Programs client. For purchase or refinance transactions, the maximum client credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

  10. This offer is eligible for new U.S. Bancorp Investments Automated Investor accounts opened by individuals with an eligible Workplace Banking Program promotional code and funded with the $1,000 minimum investment amount. Advisory fees will be waived for 365 calendar days from the account’s first trade date. Trades will not begin until the account is funded with $1,000 or more. After 365 calendar days, the standard annual advisory fee of 0.24% of invested assets, billed quarterly, will apply.

  11. Annual advisory fee is 0.24% of invested assets, billed quarterly with a minimum investment of $1,000. Your annual advisory fee doesn’t include ETF fees and expenses which are reflected in the daily pricing of the fund, or other account level fees as described in our Automated Investor Wrap Fee Program Brochure.

  12. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  13. The 2021 Kiplinger Best Financial Customer Service rankings gave U.S. Bank the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

  14. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the U.S. Bank Mobile App was ranked No. 1 in customer service features.

  15. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the U.S. Bank Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more. 

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Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.