How long do you have to keep money in U.S. Bank to get the bonus?
Plan on about 60 days with roughly $25,000 parked at U.S. Bank. Measured that way the $1,200 bonus is worth 29.2% effective APY, which is the only honest way to compare it to a savings account.
Best-in-class effective APY for business owners with idle cash.
The numbers, in full
| Payout | $1,200 |
|---|---|
| What it takes | Hold $25,000 new money 60 days + 6 qualifying transactions. |
| Direct deposit needed | No |
| Money tied up | $25,000 |
| Time committed | 60 days |
| Effective APY | 29.2% |
| Per hour of your time | $2,286/hr |
| When it pays | ~30 days after |
| Offer ends | Aug 30, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$25,000 committed for about 60 days pays $1,200, which annualizes to 29.2%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 58.4% | |
| 45 days | 38.9% | |
| 60 days | 29.2% | The offer's own stated window |
| 90 days | 19.5% | |
| 120 days | 14.6% | |
| 180 days | 9.7% | |
| 270 days | 6.5% | |
| 365 days | 4.8% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
Hold time
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