Bank Bonus Tracker

U.S. Bank checking $450 Bonus

Personal account · Expires Sep 8, 2026 · Last verified Jul 22, 2026

Requirements

  • Two or more direct deposits within 90 days totaling $3,000-$4,999.99 (earns $250), $5,000-$7,999.99 (earns $350), or $8,000+ (earns $450)
  • Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening
  • Use promo code 2024JUL at account opening; not eligible if you have/had a U.S. Bank consumer checking account or received a U.S. Bank checking bonus in the last 12 months
  • Keep open with a positive balance to receive the bonus -- avoid the $12/mo fee via $1,500+ DD, $1,500+ avg balance, business-checking ownership, qualifying group membership, Smart Rewards Gold+, or a Bank Smartly Visa Signature/State Farm card

Timeline

  1. Direct deposit ×2 totaling $8,000.
  2. Complete all requirements within 90 days.

Bonus tiers

  • $250 — $2k direct deposit (corrected 3000->2000 per verbatim quote): park $0, DD $2,000
  • $350 — $5k direct deposit: park $0, DD $5,000
  • $450 — $8k direct deposit: park $0, DD $8,000

Closing the account (what we verified)

  • Bonus typically posts within 30 days of completing requirements.
  • Monthly fee: $12 (waived: Waived with $1,500+ monthly direct deposits, $1,500 avg balance, eligible customer group, or Smart Rewards Gold+).
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