US Bank Checking – Earn $450 Bonus (Nov 2025 Update)

[Updated 2025.11] The new Checking account opening bonus is $450.

Application link

• US Bank Checking

Basic Account Information

1. $400 sign-up bonus. See below for requirements.
2. The monthly fee is $6.95. See below for how to avoid the monthly fee.
3. No early termination fee; you can close your account at any time.
4. Having a US Bank checking account can significantly increase the approval rate for US Bank credit card applications.

What if there is no US Bank branch in your state?

If your state does not have a US Bank branch, then US Bank will not allow you to open a checking account directly online. There are several solutions; choose one:

1. You can first apply for a US Bank credit card to become their customer, and then you can apply for a checking account online. However, US Bank credit cards are very difficult to obtain, and you'll likely be rejected without a checking account; this option is not recommended.
2. Alternatively, you can first open a US Bank brokerage account to become their customer, and then apply for a checking account online. This is a relatively safe and commonly used method.
3. You can also open an account using the application link provided by US Bank and Statefarm: https://www.statefarm.com/finances/banking/checking-accounts . Note that you need to enter a promo code to receive the sign-up bonus when using this link, but some data points indicate that even entering the promo code may not guarantee the bonus . You don't need to be a Statefarm customer beforehand; you can apply directly. Thanks to reader TrainAway for providing this idea ! If you see an error message saying the user cannot be found, try getting a quote for any insurance policy from Statefarm (you don't need to actually purchase it), and then try again. Thanks to BlackUnion from the US Credit Card Forum for providing this idea !

Account opening bonus conditions

1. You are not eligible for this promotion if you currently hold a US Bank checking account, have held a US Bank checking account within the past year, or have received other US Bank bonus offers within the past year. [The interval for churn starting in July 2024 has been changed to one year.]
2. Within 90 days of opening an account, enroll in US Bank  online banking or the US Bank mobile app.
3. Direct Deposit (DD) requirements : Within 90 days of opening your account, complete at least two DD transactions with a total amount of $2,000/$5,000/$8,000 to receive $250/$350/$450.

Precautions

For almost all checking/savings accounts in the United States, please note the following:

1. Theoretically, Non-Resident Aliens (NRAs) cannot open bank accounts online and need to go to a physical branch (some purely online banks without physical branches are very unfriendly to NRAs). To determine if you are a Resident Alien (RA) , please refer to " Tax Filing Identity Verification ." If you lie about your status, the bank probably won't check, but you should bear the potential unknown risks yourself.
2. The account opening bonus is taxable and will be issued as Form 1099-int (for US Person ) or Form 1042-s (for Non-Resident Alien (NRA) ). Both forms are safe for all statuses and there is no need to worry.

How to avoid monthly fees (meeting one of the following conditions is sufficient)

1. Make at least $1,500 in direct deposits (DD) per month (originally $1,000 DD before May 17, 2025).
2. or maintain this account's daily balance at least $1,500;
3. or qualify for one of the four Smart Rewards^™ tiers (Primary, Plus, Premium or Pinnacle).

Summarize

The account opening bonus is very generous, and opening this account is helpful for applying for US Bank credit cards. Plus, you can reopen the account after closing it for a year.

Account opening bonus trend chart