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Checking & savings

Earn a cash bonus up to $800.

Earn up to $800 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 March 12, 2024.1

View cash bonus offer

 

Certificate of deposit

Maximize your tax refund with a CD Special.2

Earn up to 5.05% Annual Percentage Yield3 4 on a 9-month CD Special account.2 Rates vary by term and location. Check your rate before applying.

Check your rate

Colorful mural painted on the side of the U.S. Bank Slauson and Crenshaw branch in South Los Angeles

Come celebrate with us.

Celebrate Black History Month with food trucks, entertainment and more at the first U.S. Bank Black Heritage Community Branch.

  • What: Crenshaw Block Party: First Black Heritage Community Branch Event
  • Where: U.S. Bank Slauson and Crenshaw branch, 5760 Crenshaw Blvd., Los Angeles, CA 90043
  • When: 10 a.m.-2 p.m. Saturday, February 17, 2024
Seamstress in workshop

Access your financial goals.

U.S. Bank Access Commitment® is a set of initiatives dedicated to helping Black communities build wealth through owning a home, running a small business and managing finances. Our goal is to ensure that everyone has access to the tools, resources and networks that allow Black businesses and communities to thrive.

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.

Miranda Walker with U.S. Bancorp Impact Finance and Johnny Opara, president and CEO of JO Companies, LLC

Impact Capital program provides funding to first-time developers of color

Melody Jones and her family members sitting outside the home she purchased with help from U.S. Bank

Access Home Loan helps mother of four become homeowner

Teto Wilson, owner of Wilson’s Image barbershop

From business to community impact, Minneapolis barbershop finds success

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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. You or any owner(s) must have been the intended recipient of this offer. 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 $200 bonus, $5,000 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. 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. You or any owner(s) must have been the intended recipient of this offer. 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. $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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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.