U.S. Bank Personal Checking $300 Bonus

U.S. Bank logo

U.S. Bank : Personal Checking

$300

Offer Expires In

How To Earn The Bonus

  1. Open a Platinum, Gold, or Easy Checking account using the promo code 22WEB06.
  2. Enroll in online banking or the mobile app.
  3. Within 60 days, complete 2 or more recurring direct deposits totaling $4,000.
  4. Bonus will be credited to your account within 60 days of meeting requirements.

Available in Your Area?

Yes

Monthly Fees?

Varies

Open Online?

Yes

Credit Pull?

Soft

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at U.S. Bank

Available nationwide with the ability to open online, U.S. Bank is offering a $300 welcome bonus when you open any new personal checking account (excluding Student and Safe Debit accounts).

This offer is less than the $400 they've offered in the past, but the requirements are also lower (from $5,000 in direct deposits to $4,000, and no debit card spend requirement) and the promotion now applies to more account types.

How To Earn The Bonus

The U.S. Bank Personal Checking promotion requires you to set up direct deposits in order to earn the $300 bonus.

Full requirements to receive this bonus are:

  1. Open a Platinum, Gold, or Easy Checking account using the promo code 22WEB06.
  2. Enroll in online banking or the mobile app.
  3. Within 60 days, complete 2 or more recurring direct deposits totaling $4,000.
  4. Bonus will be credited to your account within 60 days of meeting requirements.

The fine print

  • A direct deposit is an electronic deposit of your paycheck or government benefits (such as Social Security) from your employer or the government. Other electronic deposits or person to person payments are not considered a direct deposit.
  • Account must be open and have a positive balance at time of bonus fulfillment.
  • Offer may not be combined with any other checking account bonus offers.
  • Offer is not valid if you or any signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 24 months, or received other U.S. Bank bonus offers within the past 24 months.
  • You must use the promotion code listed on this offer when you apply.
  • Limit one checking offer bonus per person.
  • Current U.S. Bank employees are not eligible.

How does this checking offer from U.S. Bank compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

Citi

Citi Priority Account

Bonus
up to $1500
Account Type
Personal Checking
Expires In
16 days
Requires
  • Min Balance

Fifth Third Bank

Personal Checking

Bonus
$375
Account Type
Personal Checking
Expires In
91 days
Requires
  • Direct Deposit

Chase

Chase Total Checking®

Bonus
$200
Account Type
Personal Checking
Expires In
19 days
Requires
  • Direct Deposit

Why U.S. Bank?

U.S. Bank is the consumer banking division of U.S. Bancorp, which is the fifth-largest banking institution in the United States.

The bank traces its history back to 1863 when it was first opened as the First National Bank of Cincinnati. Following a series of mergers and acquisitions in the early 2000s, U.S. Bank officially established its headquarters in Minneapolis, Minnesota, and now operates over 3,000 physical branches across the Midwest and Western U.S.

Platinum Checking Package

The Platinum Checking Package is U.S. Bank's premium checking account. The account is interest-bearing (we say loosely, given the low rates), waives all ATM transaction fees, overdraft protection transfer fees, paper statement fees, and gives you an initial box of checks for free, with a 50% discount on re-orders or personalized designs.

You're also eligible for some perks on their other products, including a reduction in closing costs, no annual fee for HELOCs, 100 free trades each year, and a 50% savings on the cost of a safe deposit box.

Fees

Platinum Checking Package does charge a monthly fee of $24.95, but there are ways to get this waived:

  • Have $25,000 in combined personal deposits or credit balances with U.S. Bank and/or investments through U.S. Bankcorp Investments.
  • OR, have a personal trust relationship with U.S. Bank Wealth Management.

Gold Checking Package

U.S. Bank's Gold Checking Package offers the standard checking account features like mobile and online banking, bill pay, a debit card, no fees for overdraft transfers made from a linked account, and up to 2 free non-U.S. Bank ATM transactions each month.

In addition, the Gold Checking Package offers some extra perks to credit card or loan customers, including a reduction in closing costs and 100 free trades each year in a self-directed brokerage through U.S. Bancorp Investments.

Fees

Gold Checking Package does charge a monthly fee of $14.95, but there are ways to get this waived:

  • Open a U.S. Bank personal loan, line, mortgage or credit card.

Easy Checking

The Easy Checking account is U.S. Bank's basic checking account and includes the typical features – including mobile and online banking and a Visa® debit card.

Fees

Easy Checking does charge a monthly fee of $6.95, but there are ways to get this waived:

  • Have combined monthly direct deposits totaling $1,000 or more.
  • OR, maintain an average account balance of $1,500.
  • OR, be age 65 or older.