Discover January 2024’s Best US Bank Bonuses and Exclusive Promo Codes (2024)

Banking / Banks

8 min Read

January 17, 2024

By Caitlyn Moorhead

Checking Account Bonuses
US Bank Savings Account Bonus
Credit Card Bonuses
Opening an Account

Dating back to 1863, U.S. Bank currently ranks as the fifth-largest national bank in the country, with locations across 26 states. Wondering if there are any U.S. Bank promo codes, offers or bonuses currently? Keep reading to learn what U.S. Bank promotions, cash bonuses and sign-up bonuses you can qualify for in January 2024.

U.S. Bank Promotions and Bonuses: Quick Take

U.S. Bank has multiple bonus offers and promotions throughout the year so make sure you take note of the expiration date. Here are some examples of current U.S. Bank promos you should consider whether you are banking in person or signing up for an account via the mobile app:

U.S. Bank Smartly Checking: up to $800 bonus
U.S. Bank Business Checking: up to $800 bonus
U.S. Bank Cash+ Visa Signature Card: $200 bonus
U.S. Bank Altitude Connect Visa Signature Card: 50,000 bonus points
U.S. Bank Altitude Go Visa Signature Card: 20,000 bonus points

US Bank Checking Account Bonus

You can qualify for one of the U.S. Bank checking bonuses by signing up for both the U.S. Bank Smartly Checking account and the Standard Savings account. The other promotion involves the U.S. Bank Business Checking accounts. No matter which piques your interest, these U.S. Bank bonus offers should not be slept on.

US Bank Smartly Checking Bonus: Up to $800

Cash value: Up to $800
Minimum deposit requirement: $25
Expiration date: March 12, 2024
How to get it: You get this bonus when you open a new U.S. Bank Smartly Checking account and a Standard Savings account, maintain a specific balance and complete qualifying activities. Use the promo code 2024JAN when opening both accounts.
- $100 bonus: Earned when your direct deposits total between $3,000 and $4,999.99.
- $300: Earned when your direct deposits total between $5,000 and $9,999.99.
- $500: Earned when your direct deposits total between $10,000 and up.
Terms and conditions: Only available in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
Monthly maintenance fees: $6.95, 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.
Promotion page: U.S. Bank Smartly Checking bonus

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U.S. Bank Platinum, Gold or Silver Business Checking Account Offers

U.S. Bank Business Checking accounts come in varying tiers. You can qualify for the bonus if you sign up for any of the three options.

Cash value: Between $350 to $800
Minimum opening deposit requirement: $100
Expiration date: Jan. 31, 2024
How to get it: Open a new Platinum, Gold or Silver 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. You can also deposit at least $5,000 in new money within 30 days and maintain that balance through 60 days to get the $350 bonus.
Monthly maintenance fees: $20 to $30

US Bank Savings Account Bonus

Along with opening the U.S. Bank Smartly Checking account, the Standard Savings account offers a bonus when you open both.

US Bank Standard Savings Bonus: $300

Cash value: Up to $800
Minimum deposit requirement: $25
Expiration date: March 12, 2024
How to get it: You must deposit at least $25,000 into your account by March 31, 2024, and maintain an account balance of at least $25,00 until June 30. You get this bonus when you open a new U.S. Bank Smartly Checking account and a Standard Savings account, maintain a specific balance and complete qualifying activities. Use the promo code 2024JAN when opening both accounts.
Terms and conditions: Only available in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
Monthly maintenance fees: $6.95, 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.
Promotion page: U.S. Bank Standard Savings bonus

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US Bank Cash+ Visa Signature Card: $200 Bonus

If you open this U.S. bank credit card, you’ll earn $200 after spending $1,000 on eligible purchases in the first 120 days. This card also allows you to select two qualifying categories to earn up to 5% cash back on your first $1,000 in combined eligible purchases each quarter.

With a 0% introductory annual percentage rate on balance transfers and purchases for the first 15 billing cycles, this may be the credit card for you. There are no U.S. Bank coupons needed to score this deal. Here are some other key features:

Cash value: $200 rewards bonus
Minimum spend to qualify: $1,000
Expiration date: N/A
How to get it: Spend $1,000 within the first 120 days of opening the account.
Other perks: 2% to 5% cash back on eligible purchases and a low intro APR.
Terms and conditions: Cannot be combined with any other offers; available to U.S. Bank customers only.
Annual fee: None
Promotion page: U.S. Bank Cash+ Visa Signature credit card bonus

U.S. Bank Altitude Connect Visa Signature Card

You can earn 50,000 points by applying for the U.S. Bank Altitude Connect Visa Signature card. To qualify for the bonus offer, you need to spend $2,000 on eligible purchases within 120 days of opening the account. The bonus money will be posted to your account within six to eight weeks of completing the requirements. Here are some other key features to know:

Bonus offer: 50,000 points
Minimum spend to qualify: $2,000
How to get it: Spend $2,000 within the first 120 days of account opening.
When you’ll get it: Within six to eight weeks of completing the requirements.
Terms and conditions: The account must be open and in good standing to receive the bonus.
Annual fee: None for the first year; after that, it’s $95 a year
Promotion page: U.S. Bank Altitude Connect Visa credit card bonus

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U.S. Bank Altitude Go Visa Signature Card

Not only do you get a whopping 20,000-point bonus, but this card also features an annual percentage rate of 0% for your first 12 months on purchases and balance transfers, followed by APR, plus no annual fee. Other perks, such as points on eligible purchases, including streaming services, make this card one to consider.

Bonus offer: 20,000 points
Minimum spend to qualify: $1,000
Expiration date: N/A
How to get it: Spend $1,000 within the first 90 days of account opening.
When you’ll get it: Within one to two billing cycles after meeting requirements.
Terms and conditions: Account must be open and in good standing to receive the bonus.
Annual fee: None
Promotion page: U.S. Bank Altitude Go Visa credit card bonus

How To Open a US Bank Account

Begin the process of opening a U.S. Bank checking account, money market account or savings account by applying online, visiting a U.S. Bank branch in person or calling a bank representative at 800-872-2657 during the bank’s business hours.

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

Social Security number
Valid government-issued ID
An opening deposit amount of at least $25

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.

Final Take To GO

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. Though 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.

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FAQ

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

What promotions does U.S. Bank have?
- U.S. Bank offers a variety of bonuses that will vary throughout the year. Whether you are looking for a U.S. Bank referral bonus or just getting some cash for signing up for a new account, here are some current promotions you should take advantage of:
  - U.S. Bank Smartly Checking: up to $800 bonus
  - U.S. Bank Business Checking: up to $800 bonus
  - U.S. Bank Cash+ Visa Signature Card: $200 bonus
  - U.S. Bank Altitude Connect Visa Signature Card: 50,000 bonus points
  - U.S. Bank Altitude Go Visa Signature Card: 20,000 bonus points
Does U.S. Bank give you money for opening an account?
- Yes, you can earn up to $800 for opening a new Business Checking account and performing qualifying activities. Also, if you open a new U.S. Bank Smartly Checking account and a Standard Savings account and complete qualifying activities, you could earn up to $800 as a bonus sign-up incentive.
How do I get $400 from U.S. Bank?
- U.S. Bank does not have a promotional offer for exactly $400 currently. If you are a business owner, you could qualify for the U.S. Bank Smartly Checking account bonus offer. This offer gives you up to $800 by meeting the set requirements.

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

Data is accurate as of Jan. 17, 2024, and is 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.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

Forbes 2023. "U.S. Bank Promotions Of September 2023: Earn Up To $1,000 For Opening A New Account."
Forbes. 2023. "10 Largest Banks In The U.S. 2023."

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As an enthusiast deeply familiar with the banking industry, I bring a wealth of knowledge and expertise to the discussion on U.S. Bank promotions and bonuses. My extensive understanding of the intricacies of banking, combined with up-to-date information, allows me to provide insights and analysis on the various offers mentioned in the article.

U.S. Bank, with its roots tracing back to 1863, currently stands as the fifth-largest national bank in the United States, boasting a widespread presence across 26 states. The article outlines multiple promotional offers and bonuses available in January 2024, demonstrating the bank's commitment to attracting and retaining customers through various financial incentives.

Let's delve into the key concepts and details discussed in the article:

U.S. Bank Overview:
- Founded in 1863.
- Fifth-largest national bank in the U.S.
- Locations across 26 states.
Promotions and Bonuses:
- U.S. Bank offers a variety of promotions throughout the year.
- Important to note the expiration date of promotions.
U.S. Bank Smartly Checking Bonus:
- Up to $800 bonus.
- Minimum deposit requirement: $25.
- Expiration date: March 12, 2024.
- Qualification involves opening a new U.S. Bank Smartly Checking account and a Standard Savings account, maintaining a specific balance, and completing qualifying activities.
- Promo code: 2024JAN.
U.S. Bank Business Checking Bonus:
- Cash value: Between $350 to $800.
- Minimum opening deposit requirement: $100.
- Expiration date: Jan. 31, 2024.
- Qualification involves opening a new Platinum, Gold, or Silver business checking account and making qualifying deposits.
U.S. Bank Savings Account Bonus:
- Bonus of up to $800.
- Minimum deposit requirement: $25.
- Expiration date: March 12, 2024.
- Requires opening a U.S. Bank Smartly Checking account and a Standard Savings account, maintaining a specific balance, and completing qualifying activities.
- Promo code: 2024JAN.
U.S. Bank Cash+ Visa Signature Card Bonus:
- $200 bonus.
- Minimum spend to qualify: $1,000.
- No expiration date mentioned.
- Requires spending $1,000 within the first 120 days of opening the account.
U.S. Bank Altitude Connect Visa Signature Card Bonus:
- 50,000 bonus points.
- Minimum spend to qualify: $2,000.
- No annual fee for the first year; $95 per year afterward.
U.S. Bank Altitude Go Visa Signature Card Bonus:
- 20,000-point bonus.
- Minimum spend to qualify: $1,000.
- 0% introductory APR for the first 12 months on purchases and balance transfers.
- No annual fee.
How to Open a U.S. Bank Account:
- Process involves applying online, visiting a branch in person, or calling a bank representative.
- Requirements include being 18 years or older, a U.S. citizen, a Social Security number, valid government-issued ID, and an opening deposit of at least $25.
FAQs about U.S. Bank Promotions:
- Answers provided about various promotions and bonus offers.
- Information about earning money for opening accounts.

In conclusion, U.S. Bank's promotions and bonuses offer a range of financial incentives, from checking and savings account bonuses to credit card rewards. The details provided in the article serve as a comprehensive guide for individuals seeking to capitalize on these offers while emphasizing the importance of aligning these promotions with one's broader financial goals.