US Bank Promotions & Bonus Offers for November 2023

If you’re looking to open a new bank account or get a credit card, bank offers and promotions like the ones on offer by U.S. Bank can help you get started on the right foot.

While there are many banks to consider, U.S. Bank has some bank account bonuses and promotions well worth your attention.

To qualify for these offers, banks often ask you for substantial opening deposits or to maintain a minimum daily balance.

But if you’re smart about it and can meet the minimum balance requirements, as well as make the required number of personal deposits, you can definitely take advantage of these offers now and then.

Current US Bank Promotions

Here are the current U.S. Bank Promotions for November 2023:

1. U.S. Bank Smartly® Checking – up to $450 Bonus

You can earn up to $450 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through November 30, 2023. Member FDIC.

U.S. Bank Smartly® Checking bonus ($350): Within 90 days, enroll in online banking or the U.S. Bank Mobile App AND Make two or more direct deposit(s) totaling $7,500 or more

U.S. Bank Standard Savings bonus ($100): Open a Standard Savings account and make new money deposit(s) totaling $15,000 or more to earn $100 by December 30, 2023 AND Maintain that balance until June 30, 2024

Keep in mind that you’ll need to live in a state where they have a branch to qualify. This offer is only available to residents in the following states: 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

U.S. Bank frequently has signup bonuses, and this one is the on par compared to previous ones, though not as high as it was most recently.

2. U.S. Bank Business Checking

U.S. Bank is currently offering up to a $800 bonus when you open and fund a new business checking account with promo code Q3AFL23 and complete qualifying activities.

There are two parts to receiving this bonus:

  1. Deposit $5,000 in new money within 30 days of account opening and maintain that balance for 60 days of account account opening to earn $350 or at least $25,000 to earn $800.
  2. Enroll in online banking or the U.S. Bank mobile app within 60 days of account opening.

3. U.S. Bank Platinum Business Money Market Account

  • Bonus: up to 4.60% APY
  • Expires: December 05, 2023
  • Learn More: Visit U.S. Bank

Limited Time Offer

Receive up to 4.60% APY from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities.

Complete these steps to earn the offer:

  1. Open a new Platinum Business Money Market Account
  2. Deposit $25,000 – $2,999,999.99 in new money to earn 4.60% APY.
  3. Subject to certain terms and limitations.

4. Cash+® Visa Signature® Card

This promotion offers new cardholders a bonus of $200. You earn the bonus after spending $1,000 on eligible purchases within the first 120 days of opening the account.

The Cash+ Visa Signature Card Features:

  • 0% intro APR for the first 18 months on balance transfers
  • Customizable cashback
  • No annual fee

5. Altitude® Go Visa Signature® Card

This promotion offers new card members 20,000 bonus points after spending $1,000 in the first 90 days.

The bonus points can then be redeemed in the form of statement credits or a cash withdrawal to your U.S. Bank savings or checking account

About US Bank

U.S. Bank, parent company U.S. Bancorp, is one of the most well-known national banks in the U.S., along with other names like Chase, Citi, Discover, and Wells Fargo Bank.

U.S. Bank National Association is also the 5th largest bank in the U.S.

What Is A Bank Promotion?

A bank promotion is an exclusive bonus offered to customers opening a new account or card.

Offers are usually spread over the bank’s products and services, including:

Some accounts also come with a debit card, and usually, you’ll also be able to find offers for businesses as well, including offers for opening a new business checking account.

Checking offers are probably the most popular type of bank promotion.

Most offers are available online, while some are exclusive to in-branch. For the most part, promotions and bonuses have some eligibility criteria tied to them, including a deposit requirement with monthly direct deposits over a period of time.

Some bonuses also require a promo code, but this is not very common. So if you’re looking to open checking and deposit accounts, these promotions can help you get nice savings or checking bonuses.

While most bonuses are targeted at new customers, existing U.S. bank consumers can also take advantage of some of the offers available when meeting the eligibility criteria.

Is A US Bank Promotion Best For You?

Bank promotions and bank bonuses can provide you with a nice cash injection. While this is most welcome, understanding what comes with the offer is of equal importance. This can help you make sure that the offer is ultimately beneficial to you.

Before committing to a bonus, make sure that you understand what the requirements are and that you can meet them. This will help you avoid any disappointments, more so since some of the requirements can be a bit demanding.

Also, keep in mind that the bank will have its eligibility requirements, including your credit score. These requirements can disqualify you from certain offers, so it is advisable to check these in the fine print of the promotion you’re thinking of taking.

Other things you might want to consider are the features of the account itself. Remember to check if the account has any monthly fees and if you’re able to meet the requirements to waive these fees.

Account features such as bill pay and mobile banking can also prove to be quite useful and for some a deal-breaker. After all, you don’t want to have to visit a branch every time you want to do something that you should easily be able to do online.

Some other things to check include the terms and conditions such as the APY of a credit card once any introductory offers run out.

Lastly, always take the time to check what the competition is offering. With many banks running seasonal and ongoing promotions, there is probably more than one offer that is right for you.

Banks like Chase often run promotions on services such as Chase’s total checking accounts, so taking the time to shop around can only help you in the end.

Other Bank Promotions Offered

EXPIRED US Bank Promotions

US Bank Online Checking and Savings Account: $350 Bonus

Offer has expired.

U.S. Bank is offering new customers looking to open a new checking and savings account a generous bonus of $350.

To get the bonus being offered, you need to complete the requirements set by the bank.


  • Open a new checking account
  • Make at least two recurring deposits with a total value of $2,000 or more
  • Enroll in eStatements within 60 days of account opening
  • Open a Standard Savings account
  • Make a minimum deposit amount of $2,000 before the 8th of September
  • Keep your savings account with a balance of $2,000 or more until the 30th of November


This bonus offer is available nationwide, and a soft pull credit check may be required during the bank’s verification processes.

A soft pull credit check doesn’t affect your credit score, so there is nothing to worry about.

Account Options and Features

When it comes to the checking account, you can choose between Platinum, Gold, or Easy. Each of these accounts has a different set of features and perks and comes with different fees. These are payable monthly.

You can expect to receive the $350 bonus within 60 days of the successful verification of the required direct deposits.

All three checking accounts, as well as the Standard Savings account, come with their own set of features and benefits.

Knowing what these are can help you choose the right account for you.

Do keep in mind that each of these accounts comes in at different price points. We will discuss these, including how you can avoid paying the monthly fee in the next section.

Easy Checking Account Features
  • Easy Checking Simple Snapshot (this is available as a PDF document)
  • Information on Consumer Pricing
  • Agreement on Deposit account
Gold Checking Account Features
  • Execute trades for free
  • Discount on overdraft protection transfer
  • Accounts for family members
  • ATM transactions
Platinum Checking Account Features
  • ATM transactions
  • Earn interest
  • Fee-free overdraft protection transfers
  • Fee-free paper statements
  • Discounts on personal checks
  • Accounts for family members

On the other hand, the standard savings account available with this offer comes with its own set of account features. These include:

Standard Savings Account Features
  • Online banking
  • Mobile app banking
  • Options for automated savings
  • Electronic statements
  • Overdraft protection
  • Custom alerts
  • Fee-free ATM transactions


As explained earlier, all checking accounts, as well as the savings account, have a monthly fee associated with them.

Having said that, you can waive the associated fee by meeting some requirements.

The fees and the waiving requirements for each account are set as follows:

  • Easy Checking Account Fee. The fee for this checking account is set at $6.95 per month. You can waive this fee by either making direct deposits of $1,000 or more every month or holding an average account balance of $1,500 or being 65 years or older.
  • Gold Checking Account Fee. The fee for this type of checking account is set at$14.95 per month. You can do away with this fee by taking out a U.S. Bank personal loan, a line of credit, or a credit card.
  • Platinum Checking Account Fee. A Platinum Checking account carries a fee of $24.95 payable every month. To waive this fee, you can either hold a minimum of $25,000 in deposits, investments, or credit balances. These can be combined. Alternatively, you can also have the fee waived if you have a relationship with the U.S. Bank Trust Services.

US Bank In-Branch Checking Account: $400 Bonus

Offer has expired.

You can get a bonus offer of $400 when opening a Platinum Checking Package and fulfilling the eligibility criteria.

The account comes with a number of features and a recurring fee that can be waived by maintaining healthy account balances.


  • Open a new Platinum Checking account
  • Make a minimum of two direct deposits for a total of $4,000 or more
  • Enroll in eStatements within 60 days of opening your account


The offer is available nationwide and requires a Soft Pull credit check that does not affect your credit score. You can expect to receive the bonus within 60 days from when the direct deposits are verified.


The Platinum Checking account has a $24.95 monthly fee. This can be waived by maintaining a combined balance of $25,000.


As the account holder, you’re entitled to a few account perks and features that include

  • ATM withdrawals
  • Earn interest
  • Free overdraft protection transfers
  • Free paper statements
  • Discounts on personal checks
  • Accounts for family members

US Bank In-Branch Savings Account: $400 Bonus

Offer has expired.

If you’re looking to open a new savings account, U.S. Bank has a special promotion on its Platinum Select Money Market savings account.

You can get a $400 bonus by following the below steps:


  • Open a new Platinum Money Market savings account.
  • Make deposits worth $25,000 or more by the end of August.
  • Maintain a balance of at least $25,000 until the end of November.


The account has no monthly maintenance fee and is FDIC insured. The offer, on the other hand, is available across the entire U.S., and a Soft Pull credit check may be required. The bonus tied to this offer is considered as income and, as such, is also subject to taxation.

U.S. Bank Online Savings Account: $300 Bonus

If you’re looking to open a savings account, U.S. Bank currently has a bonus promotion that can get you a $300 bonus.

There are a number of eligibility requirements and an account fee that you can waive off by meeting the set criteria.

The bonus is reserved for new savings accounts and can be earned by following the below steps:


  • Open a new savings account
  • Use promo code ELITE MONEY MARKET SP20 during sign-up
  • Make a direct deposit of $10,000 or more and hold it there for three months

The bank will run a Soft Pull credit check during the sign-up process. This will not affect your credit score. To avail yourself of this offer, you will need to visit a U.S. Bank branch, so do keep that in mind.


Your new savings account comes with a few nice perks and features. These can not only make managing your finances easier and less time consuming, but also help you save money at the same time. Things you can look forward to in your new account:

  • Online banking
  • Mobile banking
  • Options for automated savings
  • Fee-free electronic statements
  • Fee-free bank ATM transactions
  • Overdraft protection (optional)
  • Account notifications


The account also has a $4.00 monthly fee that’s automatically waived off if you keep a daily balance of $300 or more or a monthly average balance of $1,000. The monthly maintenance fee is also waived if you’re under 18 years of age.

One other thing to keep in mind is that the $300 bonus available with this offer is seen as income, and as such, you will need to pay taxes on it.

US Bank Credit Cards

Aside from their savings and checking accounts, U.S. Bank also has a large selection of credit cards.

Each has unique perks and features, with some of them carrying generous welcome bonuses and promotions that we will be reviewing here.

U.S. Bank Altitude® Go Visa Signature® Card

Get a U.S. Bank Altitude Go Visa Signature credit card, and you can earn as many as 25,000 bonus points with a redeemable value of $250.

To get the points, you need to spend $1,000 within 90 days of getting the card. The points earned can be redeemed for merchandise, cash back, gift cards, and a few other options.

The card will also earn you points on other purchases, and there is no annual fee. You can get extra points when making qualifying purchases including

  • Get x4 the points when paying for takeout, deliveries, or dining.
  • Get x2 the points when paying for groceries, streaming services, and gas.
  • Get x1 the points for all other eligible purchases.

The card also comes with an introductory offer of 0% APR for the first 12 months, and you’ll also get a $15 streaming credit after completing 11 months of streaming purchases.

The card comes with a few other features including:

  • Points don’t expire
  • No fees on foreign transactions
  • Mobile app
  • Real-time instant points redemption

U.S. Bank Cash+TM Visa Signature® Card

The U.S. Bank Cash+TM Visa Signature credit card currently has a sign-up bonus on offer that can see you get a $200 rewards bonus.

You will need to make $500 in eligible purchases in 90 days from getting the card. The card also gives you cash back on a number of purchases, with percentages ranging from 5% to 1%.

  • Earn 5% cash back on two categories of your choice. Valid on the first $2,000 spent on eligible purchases every three months
  • Earn 2% cash back on eligible purchases for one everyday category such as groceries or gas
  • Earn 1% for all other eligible purchases

The card also comes with an introductory 0% APR offer. This is valid for the first 12 billing cycles with a variable APR after that. There is no annual fee for this card.

U.S. Bank Visa® Platinum Card

The U.S. Bank Visa Platinum credit card currently has a promotion where you get to enjoy 0% APR for the first 20 billing cycles.

This offer can help you keep your financial situation more manageable, but do remember that once the 20 months are over, a variable APR does apply.

The card comes with a number of additional benefits. These include:

  • Mobile wallet compatibility
  • Phone protection
  • Fraud protection
  • 24/7 access to your account
  • Free Credit Score from TransUnion
  • Choose your own payment due date
  • Autopay

The card has no annual fee and has been awarded the ‘Best 0% APR Credit Card’ award by Nerdwallet.

U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude Reserve Visa Infinite credit card is exclusive to existing U.S. Bank customers.

It comes with quite a few perks, including a welcome bonus that can see you get 50,000 bonus points worth some $750 on travel. To get the bonus points, you will need to spend $4,500 on eligible purchases within 90 days of opening the account.

You can get additional bonus points throughout 2020. Takeouts, deliveries, and dining out will earn you x3 the points. There’s also a $325 travel credit, which also applies to takeouts, deliveries, and dining until the end of 2020. After that, travel credit can be used on eligible travel purchases.

You also get 5x the points when prepaying for hotels and car rentals through the Altitude Rewards Centre and x3 the rewards for eligible travel purchases as well as mobile wallet spending.

The card also has some exclusive perks that are mostly related to travel. These include

  • Complimentary Priority Pass access to more than 1,200 VIP lounges for 12 months
  • $100 statement credit as reimbursement for TSA Pre or Global Entry every four years
  • 12 complimentary Gogo in-flight WiFi passes every year
  • No fees on foreign transactions
  • Special privileges at more than 500 luxury properties across the world
  • 24/7 access to Visa Infinite Concierge and service advisors
  • Instant rewards redemption
  • Discounts at chauffeured black car services in more than 110 different countries
  • Fraud monitoring
  • D. theft protection
  • Emergency evacuation and transportation coverage

U.S. Bank FlexPerks® Gold American Express® Card

You can earn as many as 30,000 bonus FlexPoints when signing up for a U.S. Bank FlexPerks® Gold American Express credit card thanks to their ongoing promotion.

The bonus points are worth $450 and can be redeemed on a number of different things, including airfare, live shows, cash back, and many more. You can also earn as many as x5 the points when making eligible purchases.

  • Earn x5 points for prepaid hotel and car rental booking when done through the FlexPerks Rewards Center
  • Earn x3 the points at restaurants
  • Earn x2 the points on eligible airline and gas station purchases
  • Earn x1 the points on all other eligible purchases

The card comes with a number of other perks and benefits:

  • Credit reimbursement for TSA Precheck or Global Entry
  • Free Boingo WiFi
  • CONNECT from American Express cardmember benefits

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