[Expired] U.S. Bank $200 Checking Bonus – Nationwide & Public – No Direct Deposit Required

This bonus has expired and is no longer available, view the best current bonuses here.

Reposting this as the bonus expires today, U.S. Bank do not typically extend these promotions and I’d be extremely surprised to see this one extended.

Update: I totally forgot to mention this, but U.S. Bank typically does not like to approve people for deposit accounts if you have ARS/IDA frozen. It might make sense to unfreeze those before applying. Another theory is you need to live somewhat close to a branch. It also seems like you need to live somewhat near a branch to be eligible (50 or 100 miles?) Others aren’t having this issue.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Nationwide
  • Direct deposit required: Optional
  • Additional requirements: Direct deposits totaling $500 or two bill payments
  • Hard/soft pull: Soft
  • ChexSystems: Mixed data points
  • Credit card funding: Yes, up to $500
  • Monthly fees: $0 – $8.98, waivable
  • Early account termination fee: None
  • Household limit: None mentioned
  • Expiration date: August 21st, 2017

The Offer

Direct link to offer

  • U.S. Bank is offering a $200 bonus when you open a new Silver Check, Gold Checking or Platinum checking account and complete the following requirements:
    • Enter promotion code on sign up or give it to your banker (you can request a code via e-mail or text)
    • Complete one or more recurring direct deposits totaling at least $500 OR complete two or more U.S. Bank Bill Pay transfers of $25 each or more within 60 days of account opening

The Fine Print

  • Checking Package Offer – A minimum deposit of $25 is required to open a U.S. Bank consumer checking account.
  • To earn the $200 bonus offer, open a new U.S. Bank Consumer Silver Checking Package, Gold Checking Package or Platinum Checking Package between and including June 24, 2017 and August 21, 2017.
  • Present your promotion code to a branch or 24-Hour phone banker or enter it online at account opening.
  • Additionally, you must complete one or more recurring direct deposits totaling at least $500 OR complete two or more U.S. Bank Bill Pay transactions of $25 each or more (you are responsible to ensure sufficient funds are deposited to cover bill payments and enrollment in Online and/or Mobile banking is required) within 60 days of account opening.
  • The checking account bonus will be deposited into your new consumer checking account within 60 days of direct deposit or Bill Pay verification, as long as your account is open.
  • Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.
  • Offer may not be combined with any other checking account bonus offers.
  • Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last six months, or received other U.S. Bank bonus offers within the past six months.
  • Current U.S. Bank employees are not eligible.

Avoiding Fees

U.S bank has three checking products which qualify for this promotion:

  • Silver Checking Account
  • Gold Checking Account
  • Platinum Checking account

Probably the easiest way to keep this fee free is to open the Gold Checking account; if you have a U.S Bank credit card then the monthly fees on this account are waived. You might also be able to get them waived through this.

If you don’t have a U.S Bank credit card and aren’t planning on getting one, your best bet is to open the Silver checking account which has of $8.95 ($6.95 if you enroll in paperless statements).

Fee is waived if you do these three things:

  1. Go paperless
  2. Open a Package Money Market Savings account (no fee)
  3. Do one of these two things:
    • Have combined direct deposits totaling $1,000 or more, OR
    • Maintain an average monthly balance of $1,500

Our Verdict

They offer a public bonus like this once a year, last year it was $150 + $20. The good thing is you can do this bonus even if you did that one (as long as you’re not an existing checking customers, have been one in the last six months or have received a bonus in the last six months). This is an awesome bonus and ticks all the boxes:

  • $200 is on the larger side, especially for nationwide bonuses
  • Direct deposit not required
  • Easy to keep fee free

This is going straight to the best checking bonus page. Another advantage is opening this would make you eligible for the Altitude Reserve card as well (still have to wait 30 days unless you apply in branch).

Hat tip to AlienBrainJuice

Useful posts regarding bank bonuses:
    William Charles
  • On August 21, 2017, 07:20

View Comments (892)

  • Opened an US Bank Silver Business banking on 9/27. Funded $3,000 with Chase Ink Preferred coded as Miscellaneous, count as spending towards sign up bonus.

    This was my third attempt at opening an US Bank account. I live in a state with its branches but they still denied me twice. This time, I opened a US Bank Business credit card earlier September and the bank account was approved instantly. I guess the new credit card worked as “existing relationship”.

  • 7/24/2024 Opened US Bank Silver Business, funded $3,000 with Chase Ink Preferred. Coded as purchase, miscellaneous.

    • Mine keeps getting rejected. Any dp on how to get it processed? Tried online and calling in.

  • US Bank Silver Business banking funded with Chase Ink Preferred. $3000 coded as purchase.

  • Maybe I did something wrong, but I applied online for the Easy Checking account with my targeted mailer and didn't get an option to fund with a credit card online?

  • My data points:

    02/02/18 - account opened, funded $500 with Citi Double Cash CC
    02/26/18 - $500 direct deposit posted
    03/06/18 - $500 direct deposit posted
    03/06/18 - $200 bonus posted

    I'm going to wait 3 months and close this account.

  • DP:
    Just closed my checking account that had been opened back in 2006. At the time, the regular bonus was $50, but for a brief while it was increased to a juicy $75.
    Right after I hung up, I figured it would've been wise to log in to view my final transactions to ensure everything was on the level. *Within 90 seconds of closing the account, everything from the checking account had already been removed!* I felt like I told them, "I quit." and they said, "You can't quit -- you're fired!"
    I closed it under the assumption they're going to do another $200+ bonus this summer. (and because I was starting to incur fees)
    Hoping for an excellent summer of bonuses this year!

  • DP follow up:

    8/11/17 – Opened Silver Checking & Savings package in person at a branch.

    8/15/17 – $30 Bill Pay to Chase CC

    8/17/17 – $30 Bill Pay to Sprint Cell bill

    9/6/17 – $30 Bill Pay to Chase CC

    9/8/17 – $200 bonus deposited as Adjusted Interest.

    11/9/17 - Withdrew and left $0 balances.

    11/10/17 - Had to wait 1 business day for withdrawals to post. Called customer service number to speak to rep. After some verification questions, he asked reason for closing accounts. I said I had to consolidate funds with my fiance's account. He said ok and that was it. Easy peasy. Thanks DOC.

  • Ok. i recently received address specific targetted mailer for 200 checking bonus on sep 23rd. The requirement is just 500 direct deposit with in 60 days, no bill pay or anything. I signed up .
    Their system was buggy and was timing out so i accidently applied twice and approved twice after the review after 2 days . each time i funded 500 with QS. So i call them immediately and the rep confirms that he can close the second account and move the 500 to the first account. i repeatedly confirm with him to keep the correct account which has the bonus code attached first time.

    I check credit card prequalifications. and i am now prequalified with 100$ bonus for spending 500 for two cards. cash+ and 365 amex. I took the screen shot and applied for the credit cards, after initial system denial , the underwriting approves me for both cards with the prequalified APR of 19.99% and extra 0.5% rewards etc etc,, I call back to make sure the bonus is attached to my credit card accounts, and lo behold! they say they cant find the offer attached to my account.
    I faxed them the screen shot. And have not heard back.

    IF they cheat me of 200 checking bonus and 100, 100 credit card bonuses i am going to write a very thorough CFPB complaint with solid proof .

    As for checking account , after the credit card approval i upgraded my easy checking to gold checking and i also got a package savings account. no maintainance fee. i have done 500 dd.

    • Got my 200 checking Bonus on 11/15/17. Posted as adjusted interest. Still waiting for credit card bonuses

      • Finally after CFPB complaint got my 200$ credit card bonuses as well for two of the credit cards i was prequalified and approved for :). I upgraded my checking to gold checking fee free. I will contonue to do business with US bank as i love their credit card benefits a lot.

        • did you get the checking bonus without a CFPB complaint? same thing for me, I applied twice due to a glitch, she said both had promos attached, she closed the first account and kept the second with the promo code attached (supposedly) and my funding was on the second one as well. My offer was targeted for DD of $500 only, no BillPay and I may not have access to employer DD in time, so I'd to have to CFPB it since I would lose as its not a valid DD. TIA for an update

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