U.S. Bank Personal Checking $400 Bonus

U.S. Bank logo

U.S. Bank : Personal Checking

$400

Offer Expired On

August 8, 2022

How To Earn The Bonus

  1. Open a new U.S. Bank personal checking account using the promo code 2022JUL.
  2. Within 60 days, be enrolled in online banking or the U.S. Bank mobile app.
  3. Within the same 60 days, complete recurring direct deposits that total $4,000 or more.
  4. Bonus will be deposited into your new account within 60 days of meeting requirements.

Available in Your Area?

Yes

Monthly Fees?

Varies

Open Online?

Yes

Credit Pull?

Soft

U.S. Bank logo

U.S. Bank is back with their bonus of $400 for opening a new checking account and making recurring direct deposits (at least 2) totaling $4,000 or more.

With each iteration of this offer, U.S. Bank seems to raise the bar slightly.

In Q4 2021, the reward was tiered depending on how much your direct deposits total was: $2,500 to earn $200, or $5,000+ to earn the full $400. In Q3, there was an additional $100 tier for having direct deposits that totaled $1,000.

Still, this is a mostly national bonus that is relatively easy to hit, so we definitely recommend taking advantage if you qualify.

How To Earn The Bonus

The U.S. Bank Personal Checking promotion requires you to set up direct deposits in order to earn the $400 bonus.

Full requirements to receive this bonus are:

  1. Open a new U.S. Bank personal checking account using the promo code 2022JUL.
  2. Within 60 days, be enrolled in online banking or the U.S. Bank mobile app.
  3. Within the same 60 days, complete recurring direct deposits that total $4,000 or more.
  4. Bonus will be deposited into your new account within 60 days of meeting 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 24 months.
  • Those who have received other U.S. Bank checking bonus offers within the past 24 months are also not eligible for this bonus.
  • 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:

Fifth Third Bank

Personal Checking

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

Chase

Chase Total Checking®

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

Discover

Cashback Debit

Bonus
up to $360
Account Type
Personal Checking
Expires In
Limited Time
Requires
  • Card Spend

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.

U.S. Bank Locations

You may sometimes be required to visit a branch in-person to take advantage of a welcome offer. Or, you may just prefer the convenience of banking with institutions that have locations near you.

Fortunately, U.S. Bank has a total of 2257 branches in the United States.

Get a better idea of how well U.S. Bank can serve you by checking out their branches closest to your area:

1512 Ogden Avenue
Downers Grove, IL 60515

Directions

1702 Eastland Drive
Bloomington, IL 61704

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1071 Grand Avenue
Saint Paul, MN 55105

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4000 West Broadway
Robbinsdale, MN 55422

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1000 Payne Avenue
Saint Paul, MN 55130

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9800 15th Avenue, S.W.
Seattle, WA 98106

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8780 Horton Highway
College Grove, TN 37046

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203 South 2nd Avenue
Rock Rapids, IA 51246

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4100 West 50th Street
Edina, MN 55424

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25 East Washington Street
Chicago, IL 60602

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12579 Main Street
Martin, KY 41649

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214 South Spring Street
Hermitage, MO 65668

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