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Connect with a banker.

Our bankers offer personalized guidance. They can meet with you in-person, on the phone or virtually — however you feel most comfortable.

A young Black couple poses happily for the camera inside their new home.

Earn a 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

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Keep your finances at your fingertips.

Download the U.S. Bank Mobile App to access everyday banking tasks and more. Set savings goals, explore personal insights and get tips for staying on top of your finances.

Get prepared for homeownership.

Make it a habit to pay yourself first.

Create a budget that works with your lifestyle.

Understand how credit can work for you.

Tackle debt with wisdom.

Protect yourself from scammers and identity theft.

Understand financial basics.

We’re committed to your tomorrow.

U.S. Bank Access Home is part of a set of initiatives dedicated to supporting underserved communities on their paths to building wealth, including communities of color, through U.S. Bank Access Commitment®, also available in Spanish. These initiatives include financial guidance from our wealth advisors, efforts toward access to capital and helping diverse small business owners grow and sustain their businesses.

Kiara Gardner, left, and husband Joseph Lenoir, holding key, celebrate closing on their new home in St. Louis that they financed with a U.S. Bank Access Home Loan.

Access Home in Action

Access Home Loan paves way for first-time homebuyers in Oakland, St. Louis

The Dismukes family of six is pictured smiling for a portrait who moved into their new home in 2020 after working with Acts Housing.

Acts Housing and U.S. Bank team up to help create access to homeownership

Together, our organizations are providing financial education to help Black families and individuals in Milwaukee move toward buying their first home.

Mortgage Loan Originator Joanna Garcia is pictured with her parents.

Louisville mortgage pro helps Hispanic community achieve American dream

Mortgage Loan Originator Joanna Garcia brings homeownership education and opportunities to Hispanic locals with the American Dream Loan.

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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.

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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 rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.

U.S. Bank is not responsible for and does not guarantee the products, services or performance of third parties.