U.S. Bank: $200/$400 Personal Checking Bonus + $200 Savings Bonus + $400 Business Checking Promotion

U.S. Bank will give you a $200 or $400 cash bonus when you open a U.S. Bank consumer checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling $3,000 or more for the $200 bonus or $6,000 or more for the $400 bonus within the first 60 days, plus you can get a $200 bonus when you open a Standard Savings account and deposit $25,000 or more in new money.

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 $400 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.

U.S. Bank $200/$400 Consumer Checking Bonus and $200 Savings Bonus

1. Visit this U.S. Bank $200/$400 Promotional Link to apply online.

2. Open a new U.S. Bank Smartly Checking account online using Promo Code “2023JAN”.

3. Complete 2 or more recurring direct deposits totaling $3,000 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. You’ll earn a $200 bonus when your direct deposits total $3,000 to $5,999, or you’ll earn a $400 bonus when your direct deposits total $6,000 or more.

6. The $200/$400 bonus will be deposited into your new checking account within 60 days of verifying your qualifications.

7. If you open a Standard Savings account and deposit $25,000 or more in new money by 2/28/2023 and maintain the $25,000 balance through 5/31/2023, you will earn another $200 bonus (this Savings offer can be done separately).

U.S. Bank Smartly Checking Account Details

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

Smartly 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 hold an eligible U.S. Bank credit card; OR qualify for 1 of the 4 Smart Rewards tiers (Primary, Plus, Premium or Pinnacle). Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. $2 Paper Statement Fee applies unless enrolled in eStatements (waived for account holders age 65 or greater).

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 $200 or $400 bonus when you open a consumer checking account with U.S. Bank for a limited time.

U.S. Bank $400 Business Checking Promotion

For business owners, you can get this U.S. Bank $400 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 Business Checking Package with the promo code AF49ZCB by January 9, 2023.

The $400 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 $200/$400 with a new personal checking account, $200 with a new personal savings account, and $400 with a new business checking account.