Earn your bonus.

To earn up to $600, open a Bank Smartly® Checking account online, in a branch or over the phone with an opening deposit of $25. Then complete the following activities within 90 days: 1

  • Enroll in the U.S. Bank Mobile App or online banking.
  • Complete two or more direct deposits.


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

  • Earn $200 when your direct deposits total $3,000 to $5,999.99.
  • Earn $400 when your direct deposits total $6,000 to $9,999.99.
  • Earn $600 when your direct deposits total $10,000 or more.

Note: Use the Apply buttons above and we’ll enter the promo code for you. If you apply for your checking or savings account from a different page, you’ll need to manually enter this promo code to both account applications:2 2023MAR.

Manage your cash flow easily and securely.

Overdraft protection

Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven 3,4

Access to Smart Rewards®

Rewards including higher interest rates on savings, 5 credits on mortgage closing costs and more 6

Confidence and control

Powerful, personalized money insights to help you save money, spend smarter and track goals in the U.S. Bank Mobile App

ATM flexibility

No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs 7,8

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  1. A minimum deposit of $25 is required to open a U.S. Bank Smartly® Checking account. Earn a $200, $400 or $600 bonus by opening a new U.S. Bank Smartly® Checking account (excluding Safe Debit Account) online, in a branch or over the phone from February 21 through April 11, 2023 for the Charlotte, NC market, and from March 1 through April 11, 2023 for all other markets. Additionally, you must enroll in online banking or the U.S. Bank Mobile App 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: $3,000 to $5,999.99 to earn the $200 bonus, $6,000 to $9,999.99 to earn the $400 bonus, or $10,000 or more to earn the $600 bonus. A direct deposit is an electronic deposit of your paycheck or 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. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. 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. Offer is not valid if you or any signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years.

    Limit one checking bonus per eligible account. Current U.S. Bank employees are not eligible. 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 and the Consumer Pricing Information (PDF) disclosure.

  2. 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.

  3. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for U.S. Bank Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement section titled Overdraft Protection Plans for additional information.

  4. 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 for full funds availability details.

  5. Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. The interest rate Lift is calculated by taking your current interest rate and multiplying it by the interest rate Lift. This gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate Lift applies to standard rates only, it is not applicable for special or promotional rates. Savings interest rate Lift applies to Standard Savings only.

  6. For purchase or refinance transactions, the maximum 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. To receive the U.S. Bank customer credit, a U.S. Bank Smartly® Checking account must be established prior to final loan approval, or must have either an existing U.S. Bank Personal Checking Package or first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account.

    For a comprehensive list of account pricing, terms and policies, see the Consumer Pricing Information (PDF) disclosure and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 866-758-8655. Please note: After October 4, 2022, all of the U.S. Bank Personal Checking Package products will no longer be available for sale.

    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 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.

  7. 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 “Show MoneyPass® ATM Network locations” in the ATM locator. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact 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.

  8. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.

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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.

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.