U.S. Bank: $400 Personal Checking Account Bonus + $300 Business Checking Promotion

U.S. Bank will give you a $400 cash bonus when you open a U.S. Bank checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling $4,000 or more within the first 60 days.

This U.S. Bank promotion is available in the following states where they do business: Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

They only perform a soft pull, and you can fund your new account with a credit card for up to $500.

Alternatively, you can get a $300 bonus when you open a new U.S. Bank business checking account, deposit $3,000 in new money for at least 60 days, enroll in online banking or the U.S. Bank mobile app, and complete 5 qualifying transactions within 60 days of account opening (see bottom of article).

U.S. Bank $400 Consumer Checking Bonus

1. Visit this U.S. Bank $400 Promotional Link to apply online.

2. Open a new Platinum, Gold or Easy checking account online using Promo Code “2022JUL”.

3. Complete 2 or more recurring direct deposits totaling $4,000 or more within 60 days of account opening.

4. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account.

5. The $400 bonus will be deposited into your new checking account within 60 days of verifying your qualifications.

U.S. Bank Consumer Checking Account Details

A minimum deposit of $25 is required to open a U.S. Bank consumer checking account.

Easy Checking – Monthly maintenance fee of $6.95 can be waived: with combined monthly direct deposits totaling $1,000 or more; OR average account balance of $1,500; OR if account holder(s) age 65 or greater. $2 Paper Statement Fee applies unless enrolled in eStatements (waived for account holders age 65 or greater).

Gold Checking Package – Monthly maintenance fee of $14.95 can be waived with an open U.S. Bank personal loan, line, mortgage, or credit card.

Platinum Checking Package – Monthly maintenance fee of $24.95 can be waived: with $25,000 in combined personal deposits, credit balances with U.S. Bank, and/or investments through U.S. Bancorp Investments; OR a personal trust relationship with U.S. Bank Wealth Management.

U.S. Bank Accounts Available in Many States

You must reside in one of the following states to open a U.S. Bank account online: Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Soft Pull to Open U.S. Bank Checking Account

The rep also indicated that when you open a checking account, U.S. Bank will perform a soft pull to verify your identity and address, and it will not show on your credit report.

Use Credit Card to Fund U.S. Bank Checking Account

The rep also said that you can absolutely use a credit card to fund a new account (up to $500), including a U. S. Bank credit card, and it will process faster.

The opening deposit limit is $500, and if you use a U.S. Bank credit card, the opening deposit will NOT be considered a cash advance and will NOT have the higher APR.

You can also fund new accounts using another bank account, debit card, or credit card from another issuer, and the limit for all options is $500.

After the opening deposit, you can make regular deposits into the account either by visiting the branch, from another bank electronically, or if you want to deposit cash from a U.S. bank credit card (or another issuer’s card), it will be a cash advance at a higher APR rate in the future (at least for U.S. Bank cards).

Get a $400 bonus when you open a consumer checking account with U.S. Bank for a limited time.

U.S. Bank $300 Business Checking Promotion

For business owners, you can get this U.S. Bank $300 Business Checking Offer when you deposit $3,000 in new money within 30 days of account opening and maintain the balance for 60 days, enroll in the U.S. Bank mobile app or online banking within 60 days of account opening, and complete 5 qualifying transactions within 60 days of account opening.

The 5 qualifying transactions include debit card purchases, merchant deposits, ACH credits, wires credits/debits, mobile check deposits, or bill payments.

In order to qualify, you must open a new U.S. Bank Silver, Gold, or Platinum Business Checking Account with the promo code Q2BUS22 by July 29, 2022.

The $300 U.S. Bank business checking bonus will be deposited into your new U.S. Bank business checking account within 45 days of deposit verification, as long as the account is open and has a positive balance.

Take advantage of these U.S. Bank promotions to earn $400 with a new personal checking account and $300 with a new business checking account.