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Fall into the holiday season with up to $450.
Earn $350 when you open a new U.S. Bank Smartly® Checking account and $100 when you open a new U.S. Bank Standard Savings account and then complete the required activities to qualify for your bonuses.
Earn your bonuses on U.S. Bank Smartly® Checking
Open your checking account online with an opening deposit of $25. Then complete the following steps all within 90 days of account opening to earn your $350 bonus:
Step 1: Enroll in the U.S. Bank Mobile App or online banking.
Step 2: Complete two or more direct deposits totaling at least $7,500.
Earn your bonuses on U.S. Bank Standard Savings
Open your savings account online with an opening deposit of $25. Then complete the following steps to earn your $100 bonus:
Step 1: Deposit $15,000 or more in new money by December 30, 2023.
Step 2: Maintain a minimum total account balance of $15,000 through June 30, 2024.
How To Earn The Bonus on U.S. Bank
U.S. Bank has a deal where you can get up to a $450 bonus by opening a new Smartly® Checking and Standard Savings account. It’s not the highest bonus out there, but it’s still something.
The bonus has two parts. The first part is for the Smartly® Checking account. To get it, you need to have a direct deposit of at least $7,500. You’ve got 90 days to do this, but unlike some banks, U.S. Bank wants you to have at least two direct deposits, not just one.
The second part is for the Standard Savings account. You can earn this part by opening the account and keeping a minimum balance of $15,000. It’s a bit more money to keep in the account, but that’s what you need for this bonus.
Disclosures and Terms & Conditions
- 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 bonus offers within the past two years. You must also use the promo code at account opening. You must open your account online. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 online from November 1, 2023, through and including November 30, 2023. 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 $7,500 or more to earn the $350 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 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.
- 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 two years, or received other U.S. Bank savings account or money market account bonus offers within the past two years. You must also use the promo code at account opening. You must open your account online. To receive the bonus, you must open a new U.S. Bank Standard Savings account with a minimum deposit of $25 online from November 1, 2023, through and including November 30, 2023. Additionally, to earn the $100 bonus, you must make new money deposit(s) by December 30, 2023, totaling $15,000 or more and then maintain a minimum total account balance of $15,000 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 savings bonus (“adjusted interest”) will be credited into your new savings account within 30 days of final savings account balance verification 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. Standard Savings accounts are variable rate accounts. For Standard Savings, the Annual Percentage Yield (APY) is accurate as of November 1, 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.
- 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.
