U.S. Bank Promotions and Bonuses

U.S. Bank offers a variety of ongoing promotions. Review eligibility requirements for the best offers so you can manage finances and grow wealth with a top-notch financial institution.

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Banking can be a competitive industry, and U.S. banks are constantly offering promotions and bonuses to attract new customers.

From sign-up bonuses for opening a new account to cash back rewards for using a certain credit card, these promotions can provide valuable benefits for consumers.

In this article, we will take a closer look at some of the current U.S. Bank promotions and bonuses available and help you determine which ones are worth considering for your financial needs.

U.S. Bank Promotions

1. U.S. Bank CD Specials

U.S. Bank provides some of the best CDs rates offering its most competitive, promotional rates – and great returns:

Terms in monthsCD AmountAPY
7$1,000 – $250,000up to 4.80%
11$1,000 – $250,000up to 4.90%
15$1,000 – $250,000up to 4.95%
19$1,000 – $250,000up to 4.95%
Rates may vary by location. For the purposes of this article, we researched rates using the New York City ZIP Code of 10001. Rates are accurate as of June 7, 2023.

Compared to rates offered by the best digital banks, the bank's CD Special rates are generally competitive.

With their CD Special rates, you can choose the term length that works best for you. The rate is guaranteed for the full length of whatever term you choose.

Their CD Special rates require a minimum deposit of $1,000 and are subject to a maximum deposit of $250,000. As with all U.S. Bank CDs, the CD Special is FDIC-insured.

Rates vary by state and zip code.

2. U.S. Bank Money Market Savings Account

U.S. Bank, established in 1863 and headquartered in Minneapolis, MN, provides the U.S. Bank Elite Money Market Account, which can be availed in 26 states throughout the United States.

The U.S. Bank Elite Money Market Savings Account has tiered interest rates that pay more for higher balances. U.S. Bank money market offers an APY of up to 4.70% on balances between $25,000 and $499,999.

Experience banking made convenient with U.S. Bank. Enjoy a hassle-free and speedy application process online to get you started on your financial journey. Plus, with its cutting-edge U.S. Bank Mobile App, you can bank anytime and anywhere, right at your fingertips.

U.S. Bank Business Banking Promotions

U.S. Bank is a substantial financial institution in the country, boasting 3,000 branches in 26 states. It provides an array of checking and savings options to cater to diverse requirements.

Let's explore the best U.S. Bank promotions available right now, so you can make an informed decision and start reaping the benefits of banking with one of the country's top financial institutions.

3. U.S. Bank Platinum Business Money Market Account – Bonus rate

Boost your business savings strategy with the U.S. Bank Platinum Business Money Market account. 

This unique money market account offers one of the industry's highest interest rates, growing your savings while keeping your funds readily accessible. 

The seamless integration with your checking account provides convenient financial management. 

As your account balance increases, so does your interest rate, and a minimum balance of $10,000 eliminates monthly maintenance fees.

Make the most of the new user special: a bonus interest rate of up to 4.86% APY when you open a new account and complete qualifying activities, subject to certain terms and limitations. 

Join the ranks of satisfied business owners and grow your savings under the assurance of FDIC insurance up to $250,000. 

Enhance your business savings journey today with the U.S. Bank Platinum Business Money Market account.

Offer valid through October 4, 2023. Member FDIC.

4. U.S. Bank Silver Business Checking Package  – up to an $800 bonus

Designed for businesses with limited transaction activity, this package offers a variety of value-added products and services to help save you time and money. 

This account offers a $0 monthly maintenance fee, 125 free transactions per month, and a $0.50 fee for each additional transaction.

And now you can earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. 

This offer is valid through January 8, 2024.

You can learn more by visiting U.S. Bank and applying online.

$800 Bonus Offer
U.S. Bank Business Checking
4.0
Bonus: Earn up to an $800 when you open a new business checking account and complete qualifying activities. Offer valid through January 8, 2024.

U.S. Bank has three business checking accounts, Gold and Platinum — including a free option with its Silver Business Checking. You can apply for an account online, over the phone or in person at a branch (U.S. Bank has branches in 26 states).

Open Account

5. U.S. Bank Gold Business Checking Package – up to an $800 bonus

If your business has moderate transaction activity, the Gold Business Checking Package offers more ways to save, helping you manage cash flow. 

This account offers a $20 monthly maintenance fee (waivable), 300 free transactions per month, a $0.45 fee for each additional transaction, and 100 of free cash deposits per statement cycle. 

You can also get a 50% discount on the first check order up to $100.

And right now, you can earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 8, 2024.

You can learn more by visiting U.S. Bank and applying online.

$800 Bonus Offer
U.S. Bank Business Checking
4.0
Bonus: Earn up to an $800 when you open a new business checking account and complete qualifying activities. Offer valid through January 8, 2024.

U.S. Bank has three business checking accounts, Gold and Platinum — including a free option with its Silver Business Checking. You can apply for an account online, over the phone or in person at a branch (U.S. Bank has branches in 26 states).

Open Account

6. U.S. Bank Platinum Business Checking Package – up to an $800 bonus

If your business has excess cash on hand, the Platinum Business Checking Package offers the best rewards with the convenience of consolidated accounts. 

This account has a $30 monthly maintenance fee (waivable), 500 free transactions per month, and a $0.40 fee for each additional transaction. 

Also, 50% discount on first check orders up to $100, free mobile check deposits, and free front and back check images on your monthly checking account statement. 

Now you can earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 8, 2024. Member FDIC. 

You can learn more by visiting U.S. Bank and applying online.

$800 Bonus Offer
U.S. Bank Business Checking
4.0
Bonus: Earn up to an $800 when you open a new business checking account and complete qualifying activities. Offer valid through January 8, 2024.

U.S. Bank has three business checking accounts, Gold and Platinum — including a free option with its Silver Business Checking. You can apply for an account online, over the phone or in person at a branch (U.S. Bank has branches in 26 states).

Open Account

FAQs

What promotions does U.S. Bank currently offer?

U.S. Bank offers a variety of promotions, including bonuses for opening new checking and savings accounts, cash back rewards for using credit cards, and discounts on mortgage rates. The current promotions and offers can be found in our article.

How do I take advantage of U.S. Bank promotions?

To take advantage of U.S. Bank promotions, you can either visit a local branch or go to the bank's website and look for the current offers. In some cases, you may need to use a specific promo code or meet certain eligibility requirements to participate in a promotion.

Are U.S. Bank promotions only available to new customers?

Not necessarily. U.S. Bank offers promotions for both new and existing customers. Some promotions may only be available to new customers, while others may be open to both new and existing customers.

How do I know if I am eligible for a U.S. Bank promotion?

The eligibility requirements for U.S. Bank promotions can vary, but typically, you must be a U.S. citizen or resident, have a valid Social Security number, and meet other specific criteria as outlined in the promotion's terms and conditions. You can check the eligibility requirements for a particular promotion on U.S. Bank's website or by speaking with a representative.

Do U.S. Bank promotions have an expiration date?

Yes, U.S. Bank promotions typically have an expiration date and are only available for a limited time. The expiration date will be listed in the terms and conditions of the promotion, and it is important to take advantage of the offer before it expires.

Can I participate in multiple U.S. Bank promotions at the same time?

It depends on the specific promotions and the terms and conditions associated with each one. Some promotions may not be combinable with other offers, while others may allow you to participate in multiple promotions simultaneously. It is important to review the terms and conditions of each promotion to determine if you are eligible to participate in multiple promotions.

U.S. Bank Alternatives

Get the most out of your banking experience with the best bank bonuses available.

Whether you're looking to open a new checking account, switch to a new financial institution, or simply looking for ways to grow your wealth, bank bonuses can provide you with the extra cash you need to achieve your financial goals.

See our table below for top bank bonuses and how you can take advantage of them.

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Enjoy $200 as a new Chase checking customer, when you open a Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment.

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Enjoy a checking account bonus of $100 as a new Chase checking customer, when you open a Chase Secure Banking℠ account with qualifying transactions.

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Upgrade is offering a $200 welcome bonus when you open a new Rewards Checking Plus account and make 3 debit card transactions.

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Enjoy $200 as a new Chase checking customer, when you open a Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment.

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Enjoy a checking account bonus of $100 as a new Chase checking customer, when you open a Chase Secure Banking℠ account with qualifying transactions.

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Upgrade is offering a $200 welcome bonus when you open a new Rewards Checking Plus account and make 3 debit card transactions.

Or you can take advantage of bank promotions with no deposit required (my personal favorite).

Final Word

In conclusion, U.S. Bank is a reputable financial institution that offers a wide range of promotions to its customers.

Whether you are a new or existing customer, there is likely a promotion that can benefit you. From bonuses for opening new accounts, to cash back rewards for using credit cards, to discounts on mortgage rates, U.S. Bank has something for everyone.

Before taking advantage of a promotion, be sure to review the eligibility requirements and the terms and conditions to ensure you are making the most of the offer.

With its commitment to providing top-notch financial services, U.S. Bank is a smart choice for those looking to manage their finances and grow their wealth.

About the author

Brian Meiggs
Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of My Millennial Guide, a personal finance site helping you unlock the wealth of freedom. He helps millennials follow the smart money in order to increase their earning potential and start building wealth for the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Business Insider, Yahoo! Finance, NASDAQ, Discover, Fox News, MSN Money and more.

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