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Checking & savings

Earn a cash bonus up to $700.

Earn up to $700 when you open a new eligible U.S. Bank Smartly® Checking account, open a U.S Bank Standard Savings account and complete required activities. This offer is valid through June 27, 2024.1

Certificate of deposit

Maximize your savings with a CD Special2

Earn up to 4.75% Annual Percentage Yield3, 4 on a 7-month CD Special account.2 Rates vary by term and location. Check your rate before applying.

Discover resources and tools to help you manage your finances.

Get money tips and inspiration.

Browse our library of educational resources designed to help you reach your financial goals.

Take a short course online.

Spend a few minutes on interactive learning focused on financial wellness.

Download the mobile app.

Track your spending, set a budget you can stick to and manage your money on the go.

Learn how we’re supporting our communities.

Partnering with the Youth Science Center

U.S. Bank is proud to partner with the Youth Science Center, based in Hacienda Heights, California. Together, we’re creating opportunities for Asian American youth to thrive, including investing in the nonprofit’s science, technology, engineering, arts and math (STEAM) programs.

U.S. Bank representatives, partners and funders break ground in Little Tokyo.

Breaking ground in Little Tokyo

Complex and creative financing leads to the development of 248 units of affordable housing and commercial space for minority-owned businesses in Los Angeles

U.S. Bank employees standing together in a Chinese community branch.

Paying tribute to Chinese culture

Each of our six Chinese community branches has bilingual employees and is designed to pay tribute to Chinese culture. Take a tour of our Arcadia, California, branch and meet the bankers.

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U.S. Bank Real Good Podcast

Turning talk into action

Discover inspiring and engaging conversations with people who help break barriers to financial success, build communities and bring people together.

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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 April 1, 2024 through and including June 27, 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 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.

    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 April 1, 2024 through and including June 27, 2024. Additionally, you must make new money deposit(s) by July 17, 2024 totaling $15,000 or more. You must then maintain a minimum total account balance of $15,000 through October 31, 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 $200 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 April 1, 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. $1,000 minimum opening deposit up to a maximum of $250,000. 

  3. Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

  4. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

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

Credit products offered by U.S. Bank National Association and subject to normal credit approval.