How do I earn this bonus?
- Open by September 27, 2026 with code Q3DIG26; $25 minimum opening deposit. Confirm the code is attached.
- Deposit $5,000 from outside U.S. Bank/affiliates within 30 days and maintain the required daily balance through day 60.
- Complete six qualifying transactions, by posted date, within 60 days.
What counts—and what doesn’t.
Qualifying activity
- Debit purchases; ACH/wire credits or debits; Zelle credits/debits; mobile check deposits; check debits; eligible bill pay or Payment Solutions receipts.
Excluded or unsafe to assume
- Other person-to-person payments, credit-card transfers/payments, and internal U.S. Bank transfers. Bill pay funded by credit card is excluded.
This offer explicitly allows Zelle; Chase’s reviewed business offer excludes it. Never carry one bank’s rules into another.
Who is eligible for this offer?
Businesses with an existing U.S. Bank business checking account or one closed within the past 12 months are excluded. One bonus per business; no combining business checking bonuses. Current U.S. Bank employees are excluded.
Sole proprietors can use their SSN; entity documents and other information depend on business structure.
U.S. business offer; confirm availability for your address and business structure. Account approval and bonus eligibility are separate decisions.
What fees could reduce the bonus?
$0 monthly maintenance fee. Teller/paper activity beyond 25 included transactions costs $0.50 each; other service charges may apply. Fees can push the balance below the bonus requirement.
When does the qualification clock start?
Opening date governs the 30- and 60-day deadlines; a non-business-day opening is treated as the next business day. U.S. Bank defines the required daily balance at the end of each business day (Monday through Friday, excluding federal holidays), after that day’s credits and debits. It allows funding within 30 days but also says the balance must be maintained for 60 days after opening. Confirm how it treats days before the deposit arrives; do not assume a day-30 deposit qualifies.
When should the bonus arrive?
Within 30 days after the month-end when all requirements are met, with the account open and a positive available balance.
A concrete example
Planning example: keep a cushion above $5,000 so an ordinary account charge does not unexpectedly break the balance requirement.
Timing and availability
Open by Sep 27, 2026. This is a dated offer snapshot. Confirm that the promotion is still available before opening an account.
Business Essentials and Platinum use the same Q3DIG26 promotion, but U.S. Bank limits a business to one checking bonus. Compare the extra cash commitment and Platinum's separate monthly fee before choosing a tier.
Compare the $400 and $1,200 tiers →Keep the terms. Track the steps.
Save this version of our summary with your dates and checklist. A later offer update will not rewrite your plan. Keep the official agreement and enrollment confirmation separately.
Use the date that starts this offer’s clock. Dates are estimates; confirm them with the issuer.
Read the terms saved in this plan
Saved in this browser, with no account required. Download a copy before clearing browser data. We do not send your dates or checklist to our server. Importing calendar dates may sync them through your calendar provider; its settings control notifications.
Your completion checklist.
Checkmarks are your notes, not confirmation from the issuer. Save a plan above to keep them with a specific offer summary.
Keep the terms with your checklist.
Save the official offer terms and your enrollment confirmation. Record the exact start date, qualifying activity, deadline, and expected payout. Check the issuer’s full account agreement for account-standing, holding-period, and early-closure conditions; this summary does not establish that there are none.
Keep the account eligible through payout. Check the current agreement before closing or changing the account.
If the bonus does not arrive
Wait through the stated payout window, then ask the issuer which condition remains unmet. Keep your offer confirmation, relevant statements or posted activity, and support case number. Share account documents only through the issuer’s secure channels.