A two-dimensional nonlinear finite element model is developed to simulate time-dependent cracking of reinforced concrete members under service loads. To predict localized cracking, the crack band model is employed to model individual crack opening. In conjunction with the crack band model, a bond-interface element is used to model the slip between concrete and reinforcing steel permitting large slip displacements between the concrete element nodes and the steel truss element nodes at crack openings. The time-dependent effects of concrete creep and shrinkage are incorporated into the smeared crack model as inelastic pre-strains in an iterative solution procedure. Two test examples are shown to verify the finite element model with good agreement between the model and the observed test results.