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Earn Up to $500 Bonus When You Open a New US Bank Checking Account

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$500 Bonus US Bank Checking Account

Earn Up to $500 Bonus with New US Bank Checking Account

US Bank has a bonus of up to $500 for new checking accounts. You can open these account at a branch, online or over the phone, but you need to be in US Bank’s footprint to do so. Let’s see the details.

The Offer

Earn a $300 or $500 bonus by opening a new U.S. Bank Smartly™ Checking account (excluding Safe Debit Account) from October 11 through and including November 21, 2022. The checking account must be opened in a branch/online/over the phone. Additionally, you must:

  1. enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account.
  2. You must also complete two or more direct deposits within 60 days of opening your account that total:
    • $3,000 to $5,999 to earn the $300 bonus, or
    • $6,000 or more to earn the $500 bonus.

Promotion Link

Key Terms

  • Offer is available almost nationwide. You must be in a state where they have physical branches.
  • 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 year(s), or received other U.S. Bank bonus offers within the past two year(s).
  • Current US Bank employees are not eligible.
  • 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.
  • A $6.95 monthly fee can be waived with combined monthly direct deposits totaling $1,000 or more; or minimum average account balance of $1,500 or more; or if you have a U.S. Bank credit card.


This is one of the best offers that we have seen recently US Bank. You need to complete two direct deposits totaling $6,000 or more (some data points on what works), and enroll in either U.S. Bank online banking or the U.S. Bank Mobile App to get the $500 bonus. The account is also easy to keep fee-free.

HT: Doctor of Credit

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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  1. One reason I could not do a search for my entire state, is that their search feature ONLY searches within 50 miles of a zip code, not a state search.

    Surely I mistakenly thought, they must have a branch up in Northern Virginia, the Washington DC area…or hey, how about Richmond, VA – one of the few Federal Reserve Bank locations. NOPE!!!

  2. SO…

    You need to actually RESIDE IN a state served by US Bank.

    BTW, US Bank is ONLY in 25 or so states…so, in reality, their name should be “1/2 US Bank”.

    What a waste of time…and going round and round with failed applications and letters only to be finally told, when no one could figure out what I was not getting approved, that being in the state of Virginia meant that I could NOT get a US Bank account…again, because they are ONLY in 1/2 the states of the United States!


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