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Bank BonusBankingEnds Jan 28

U.S. Bank adds $450 checking bonus

U.S. Bank has a $450 checking bonus that belongs on the bank-bonus watchlist. This should still be checked against the current account terms before anyone opens an account.

At a Glance

Maximum Bonus Amount
$450
Account Type
Checking
Funding Requirement
$3,000 within 90 days of opening
Availability
Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
Direct Deposit Required
Yes
Additional Requirements
None
Hard/Soft Pull
Soft
ChexSystems
Mixed data points
Credit Card Funding
Can fund up to $250 with a credit card
Monthly Fees
$12, avoidable
Early Account Termination Fee
None
Household Limit
None
Expiration Date
January 28, 2026 April 6, 2026 September 8, 2026

What Changed

U.S. Bank has a $450 checking bonus worth checking. Availability is listed as nationwide. Review direct deposit language, fees, funding rules and early-termination terms before opening.

Who Should Care

This is relevant for readers who can open checking accounts in the eligible footprint and are comfortable tracking account-opening requirements, monthly fees and bonus timelines.

Terms To Verify

Bank bonuses can turn on small details. The public card should not be treated as final until the account page and bonus disclosure match the expected terms.

  • Required account activity
  • Eligible states or membership rules
  • Direct deposit, debit-card, balance or funding requirements
  • Monthly fee waiver requirements
  • Bonus posting timeline and early-account-closure fee
  • Whether prior account holders are excluded

Before You Act

  1. 1Confirm the bonus amount on the bank application page.
  2. 2Screenshot or save the bonus terms before applying.
  3. 3Calendar the requirement window and expected payout month.
  4. 4Avoid opening if fees or deposit rules make the bonus uneconomic.