How long does it take to receive a new account bonus?

To receive the promotional bonus, U.S. Bank will credit your account within 30 days after you’ve completed all the requirements.

Can existing customers qualify for these promotions?

No. You cannot be an existing customer, have received another U.S. bank bonus or have had an open account with U.S. Bank in the last 12 months. The bonuses are available primarily to new customers.

What happens if I close my account early?

If you close your account before completing the qualifying activities or otherwise not fulfilling all of the requirements, you will miss out on receiving the bonus.

Are there any taxes on bank bonuses?

Yes. Bonuses are reported to the IRS as interest income, so you’ll receive a form 1099-INT, which you’ll need to give your tax preparer to file with your income tax return.

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U.S. Bank Bonuses: Best Offers and Promotions for 2025

September 8, 2025

5 min Read

Written by Caitlyn Moorhead

Edited by Elizabeth Constantineau

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GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

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Chartered in 1863, U.S. Bank currently ranks as the fifth-largest national bank in the country, with locations across 26 states. Wondering if there are currently any U.S. Bank promo codes, offers or bonuses? Keep reading to learn what U.S. Bank bonuses you can qualify for this month.

Current U.S. Bank Bonuses: September 2025

Here are some current U.S. Bank promotions you should consider, whether you are banking in person or signing up for an account online:

Account	Bonus Amount	Expiration Date
U.S. Bank Smartly Checking	Up to $450 bonus	Sept. 16, 2025
U.S. Bank Business Checking	Up to $1,000 bonus	Sept. 30, 2025

U.S. Bank Checking Account Bonus Offers

Here’s what you need to know about current U.S. Bank bonuses for its personal and business checking accounts.

U.S. Bank Smartly Checking Bonus: Up To $450

By opening a U.S. Bank Smartly Checking account and meeting certain requirements, you can earn a bonus of up to $450.

Bonus value: Up to $450 — $250 bonus for direct deposits totaling $2,000 and $4,999.99; $350 bonus for direct deposits totaling $5,000 and $7,999.99; $450 bonus for direct deposits totaling $8,000 or more
Minimum deposit requirement: $25
Expiration date: Sept. 16, 2025
How to claim: Open a new U.S. Bank Smartly Checking account and complete qualifying activities within 90 days of opening it. You’ll need to enroll in U.S. Bank’s online banking platform or mobile app. Additionally, you’ll need to make two or more direct deposits.
Terms and conditions: The bonus value varies depending on how much you direct deposit.
Monthly maintenance fees: $12; however, this fee can be waived if you meet the balance requirements, are an active military member, are under the age of 25 or are over the age of 65

A great opportunity to earn a little extra: U.S. Bank Smartly Checking bonus.

U.S. Bank Business Checking Account Bonus: Up To $1,000

U.S. Bank Business Checking accounts come in varying tiers and you can qualify for the bonus if you sign up for any of the options. You must use the promo code Q2DIG25 when applying.

Bonus value: Between $400 to $1,000
Minimum opening deposit requirement: $100
Expiration date: Sept. 30, 2025
How to claim: Open a new Platinum or Essentials business checking account and make qualifying deposits.
Terms and conditions: Open an account and deposit and hold at least $25,000 through 60 days to qualify for the higher bonus. Alternatively, you can deposit at least $5,000 in new money within 30 days and maintain that balance through 60 days to get the $500 bonus. You’ll also need to complete five transactions within those 60 days.
Monthly maintenance fees: $30 can be waived by meeting balance requirements for Platinum Business Checking; no monthly fee for Business Essentials

Make the most of this offer while you can: U.S. Bank Business Checking bonus.

How To Qualify For a U.S. Bank New Account Bonus

Begin the process of opening a U.S. Bank checking account or credit card by applying online or visiting a U.S. Bank branch in person.

To apply online, you must be 18 years or older and a U.S. resident. To facilitate the process, have the following information ready:

Social Security number
Valid government-issued ID
Funding source for opening deposit

To get the account bonuses when you sign up for a new account, make sure to read the fine print about account eligibility and how to qualify.

Comparing U.S. Bank Offers to Competitor Promotions

Here’s a look at U.S. Bank’s Smartly Checking bonus versus checking account bonuses at other large banks:

Bank Account	Promotion	Expiration
U.S. Bank Smartly Checking	Up to $450 bonus	Sept. 16, 2025
Huntington Perks Checking	$400 bonus	Sept. 15, 2025
Chase Total Checking	$300 bonus	Oct. 15, 2025

Final Take

U.S. Bank is a convenient full-service banking option with many locations. It has one of the largest ATM networks in America, allowing you to easily access your funds.

However, the U.S. Bank promotions shouldn’t be the only reason you choose it. Make sure the bank’s products and services are a good match for your financial goals. After all, a promotional bonus is just an added perk.

U.S. Bank Bonuses: FAQ

Here are some answers to frequently asked questions about U.S. Bank promotions and bonus offers.

How long does it take to receive a new account bonus?
- To receive the promotional bonus, U.S. Bank will credit your account within 30 days after you’ve completed all the requirements.
Can existing customers qualify for these promotions?
- No. You cannot be an existing customer, have received another U.S. bank bonus or have had an open account with U.S. Bank in the last 12 months. The bonuses are available primarily to new customers.
What happens if I close my account early?
- If you close your account before completing the qualifying activities or otherwise not fulfilling all of the requirements, you will miss out on receiving the bonus.
Are there any taxes on bank bonuses?
- Yes. Bonuses are reported to the IRS as interest income, so you’ll receive a form 1099-INT, which you’ll need to give your tax preparer to file with your income tax return.

More About U.S. Bank

Cynthia Bowman and Julia Gordon contributed to the reporting for this article.

Information on promotions is accurate as of Sept. 8, 2025. Additional requirements may apply. Offers and terms are subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.