Earn your bonuses.

U.S. Bank Smartly® Checking

Open your checking account online using the Apply button on this page, in a branch or over the phone by March 12 with an opening deposit of $25. Then, within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking and make at least two direct deposits.

  • Earn $100 when the combined total of your direct deposits is between $3,000 and $4,999.99 1
  • Earn $300 when the combined total of your direct deposits is between $5,000 and $9,999.99. 1
  • Earn $500 when the combined total of your direct deposits is $10,000 or more. 1

U.S. Bank Standard Savings

Open your savings account online using the Apply button on this page, in a branch or over the phone by March 12 with an opening deposit of $25. Then complete the following steps to earn your $300 bonus: 1

  • Step 1: Deposit at least $25,000 in new money by March 31.
  • Step 2: Maintain a minimum total account balance of $25,000 until June 30.

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 2024JAN.

Manage your cash flow easily and securely.

DIY direct deposit

Secure, automated direct deposit that you can set up in just minutes

Smart Rewards®

Higher interest rates on savings, 3 credits on mortgage closing costs and more 4

Overdraft protection

No fees for overages less than $50 and extra time with Overdraft Fee Forgiven 56

Confidence and control

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

Frequently asked questions

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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 two years or received other U.S. Bank consumer checking bonus offers within the past two years. You must also use the promo code 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 January 9, 2024 through and including March 12, 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: $3,000 to $4,999.99 to earn the $100 bonus, $5,000 to $9,999.99 to earn the $300 bonus or $10,000 or more to earn the $500 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. 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. This offer may not be combined with any other checking account bonus offers.

    Standard Savings bonus: To be eligible, you or any owner(s) on your new Standard Savings account cannot have an existing U.S. Bank savings account or money market account, had a U.S. Bank consumer savings account or money market account in the last six months or received other U.S. Bank savings account or money market account bonus offers within the past 12 months. You must also use the promo code at account opening. To receive the bonus, you must open a new U.S. Bank Standard Savings account with a minimum deposit of $25 either online, in a branch or over the phone from January 9, 2024 through and including March 12, 2024. Additionally, you must make new money deposit(s) by March 31, 2024 totaling $25,000 or more. You must then maintain a minimum total account balance of $25,000 through June 30, 2024. Fees will reduce your eligible balance, and deposits may be needed to cover these fees to maintain the balance for this offer. New money is considered money that is new to the customer or new to U.S. Bank where funds are coming from outside U.S. Bank. Funds cannot be transferred from another U.S. Bank product. Your $300 savings bonus (“adjusted interest”) will be credited into your new savings account within 30 days after you have 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. Standard Savings accounts are variable rate accounts. For Standard Savings, the Annual Percentage Yield (APY) is accurate as of January 9, 2024, any balance: 0.01%. Interest rates are determined at the bank’s discretion and can change at any time. Interest will be compounded daily and credited to your savings account quarterly. Fees may reduce earnings on account. This offer may not be combined with any other savings account bonus offers.

    Additional Terms & Conditions: Limit one checking and savings 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. 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. 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.

  4. 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 (PDF). These documents can be obtained by contacting a U.S. Bank branch or calling 866-758-8655.

    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

  5. 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 (PDF) section titled Overdraft Protection Plans for additional information.

  6. 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.

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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.

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Deposit products are offered by U.S. Bank National Association. Member FDIC.