LUNAR NEW YEAR 2023

U.S. checking or savings account is required to use Zelle^®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

A minimum deposit of $25 is required to open a U.S. Bank Smartly^® Checking account. Earn a $200 or $400 bonus by opening a new U.S. Bank Smartly^® Checking account (excluding Safe Debit Account)  online, in a branch or over the phone by the expiration date on your mailer. 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, or $6,000 or more to earn the $400 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.

A $25 minimum deposit is required to open a new U.S. Bank Standard Savings account. Earn your $200 bonus by opening a new Standard Savings account  by August 2, 2023. Additionally, you must make deposit(s) of $20,000 or more by August 31, 2023 and then maintain a minimum total account balance of $20,000 through November 30, 2023. The $200 bonus will be credited to your new savings account within 60 days of final savings account balance verification. Standard Savings accounts are variable rate accounts. For Standard Savings, the following balance tiers and Annual Percentage Yield (APY) are accurate as of April 4, 2023. 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. Offer may not be combined with any other savings account bonus offers. Offer is not valid if you or any signer on the account have an existing U.S. Bank savings account, had a U.S. Bank consumer savings account in the last six months, or received other U.S. Bank savings bonus offers within the past 12 months. Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.

Limit one checking and savings bonus per person. 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.