U.S. Bank Personal Checking Account $250 Bonus

U.S. Bank logo

U.S. Bank : Personal Checking Account

$250

Offer Expired On

June 21, 2021

How To Earn The Bonus

  1. Open a new U.S. Bank personal checking account using the promo code 21DIG06.
  2. Within 60 days, complete recurring direct deposits of 2 or more that total $3,000.
  3. Within the same 60 days, complete 10 debit card purchases totaling $50.
  4. Be enrolled in e-statements by July 5, 2021.
  5. Bonus will be credited to your account within 60 days of completing the requirements.

Available in Your Area?

Yes

Monthly Fees?

Varies

Open Online?

Yes

Credit Pull?

Soft

U.S. Bank logo

U.S. Bank is offering a $250 bonus for opening a new Platinum, Gold, or Easy Checking account and making recurring direct deposits (at least 2) totaling $3,000 and using your debit card.

This is a national bonus for an account you can open online, both of which is great for eligibility. However, U.S. Bank has offered more competitive bonuses in the past.

Earlier this year, the requirements were tiered, starting with just $1,000 in deposits to earn $100, up to $4,000 to earn $400. The debit card requirements are also new in this latest iteration of the bonus offer.

How To Earn The Bonus

The U.S. Bank Personal Checking Account promotion requires you to set up direct deposits in order to earn the $250 bonus.

Full requirements to receive this bonus are:

  1. Open a new U.S. Bank personal checking account using the promo code 21DIG06.
  2. Within 60 days, complete recurring direct deposits of 2 or more that total $3,000.
  3. Within the same 60 days, complete 10 debit card purchases totaling $50.
  4. Be enrolled in e-statements by July 5, 2021.
  5. Bonus will be credited to your account within 60 days of completing the requirements.

The fine print

  • Offer excludes Student Checking and Safe Debit Accounts.
  • A minimum deposit of $25 is required to open a U.S. Bank checking account.
  • Must use promo code when applying to be eligible for bonus.
  • Offer is not valid if you or any signer on the account have an existing U.S. Bank consumer checking account or had one in the last six months.
  • Those who have received other U.S. Bank checking bonus offers within the past 12 months are also not eligible for this bonus.
  • The bonus will be deposited into your new checking account within 60 days of meeting the requirements.
  • Account must be open and in good standing to earn the reward.

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.