It’s not every day that you can receive up to $450 bonus cash as a signup bonus. Here is how to earn up to $450 by opening a U.S. Bank checking account and completing qualifying activities. U.S. Bank Smartly Checking may not be available if you live outside of the U.S. Bank footprint. Member FDIC.
Up to $450 bonus: U.S. Bank Smartly® Checking
How do I get the $450 bonus from U.S. Bank Smartly checking?
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 17, 2025. Member FDIC.
Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $2,000 – $4,999.99 to earn $250, $5,000 – $7,999.99 to earn $350, or $8,000 or more to earn $450
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Bonus Eligibility
You can read the banking offer terms and conditions to read more.
Defer pursuing this bonus when “you or any signer 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.”
Additionally, pass on the U.S. Bank savings offer when “you or any signer 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.”
A checking account bonus is an excellent incentive to switch banks. Plus, it can also make your cash reserves more productive. If eligible, be sure you can waive any ongoing monthly service fees that erode your earning potential. Otherwise, it can be frustrating if you don’t actively use the account.
Regarding that Money Market Account…Check Out the U.S. Bank Platinum Business Money Market Account
The U.S. Bank Platinum Business Money Market Account is another option worth considering. It comes with the ability to set aside excess cash from a checking account while getting paid the highest interest rate for your business. Additionally, you can link your savings to your U.S. Bank checking.
If you maintain a minimum balance of $10,000, you won’t have to pay the $15 monthly maintenance fee. You’ll also earn higher rates of interest the higher the balance. You will need a $100 minimum opening deposit.
Other features of the U.S. Bank Platinum Business Money Market Account include the following:
- ATM access
- Accrues interest daily and pays interest monthly
- FDIC Insurance up to $250,000
- Free U.S. Bank Internet Banking
Plus, your account can be linked to your U.S. Bank business checking account for overdraft protection.
Receive up to a 3.50% bonus interest rate
Open a new U.S. Bank Platinum Business Money Market Account and receive a bonus interest rate from the opening date. All Bonus interest rates may change without notice at any time. The following bonus interest rate is accurate as of today:
- 3.50% bonus interest rate when your account balance tier is between $50,000 to $2,999,999.99
This offer is limited to the Business Platinum Money Market account only. Standard variable interest rates are determined at the bank’s discretion and are subject to change at any time without notice. Speak to a banker about current deposit rates, rate disclosures, compounding and crediting, and other balance information. The minimum deposit to open a Platinum Business Money Market account is $100.
However, you must maintain the minimum balance needed for each tier to earn the interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account, and other restrictions may apply.
For Platinum Business Money Market accounts with balances of $3 million or greater, the bonus interest rate does not apply, and the full account balance will earn the standard variable interest rate in effect until the balance is $2,999,999.99 or below.
U.S. Bank Business Checking Accounts
If you’re interested in business options, there are the U.S. Bank Business Checking accounts. There are several accounts available to fit a variety of needs. Accounts can be opened with a deposit as low as $100 or as much as $3,000. After you’ve got your account, you can add funds in several ways, including a check deposit at a U.S. Bank branch, ATM, or through the U.S. Bank app. Funds can also be added by completing an online transfer from another account or wiring money into your account.
Silver Business Checking Package
There’s the Silver Business Checking account option, designed for businesses with limited transaction activity. Members get 125 free transactions per month and a $0.50 fee for each additional transaction. There is a $0 monthly maintenance fee. Member FDIC.
Gold Business Checking Package
For businesses with moderate transaction activity, there is the Gold Business Checking package. Businesses get 300 free transactions per month, and each additional transaction is $0.45. There are also 100 free cash deposits per statement cycle plus a 50% discount on the first check order of up to $100. There is a $20 monthly maintenance fee. However, it can be waived. Member FDIC.
Platinum Business Checking Package
As you may have guessed, this package is for businesses with many transactions. Businesses get 500 free transactions per month, with a $0.40 fee for each additional transaction. There’s also a 50% discount on the first check order of up to $100, plus free Mobile Check Deposit. There is a waivable $30 monthly maintenance fee. Member FDIC.
Earn Up To $900 Bonus With A U.S. Bank Business Checking Account
Additionally, there’s an exciting promotional offer.
Promo code Q1AFL25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.
Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
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Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC.
Summary
In conclusion, earning up to $450 with a U.S. Bank Smartly® Checking Account is an enticing way to boost your cash reserves. Fortunately, U.S. Bank offers many account options. Additionally, if you live within their network area, you may appreciate the ability to easily manage your funds digitally or at a local branch office.
