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Updated: Sep 08, 2023

Best U.S. Bank Checking, Savings Account Deals & Bonuses of 2023

Learn more about the deals and bonuses that are available when you sign up for a new U.S. Bank account.
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U.S. Bank is one of the major national banks that you've probably come across before. You might consider a new account with them and a sign-up bonus might just be the push that'll get you to open an account.

See what deals and promotions are available on U.S. Bank accounts:

U.S. Bank Checking Account Bonuses

Open a Gold Checking Package and you'll earn a $300 bonus after you fulfill both of the requirements for the bonus within 60 days of account opening:

  • Set up a recurring direct deposit of $1500 or more within 60 days
  • Minimum deposit of $25 into your Gold Checking Account 

U.S. Bank Gold Checking Package $300 Bonus

Type Details
Bonus Amount $300
Expiration Date Select U.S. States
Availability Nationwide
Credit Inquiry Soft Pull
ChexSystems (Banking Report) Inquiry Yes
Minimum Opening Deposit $25
Where to Apply Promo Page

The sign-up bonus will be deposited into the account within 60 days of you meeting the requirements.

Note: This offer is valid in Washington D.C. and limited surrounding areas in Maryland, Virginia, West Virginia and Pennsylvania.

What You Have to Do to Avoid the Monthly Fees

The Gold Checking Package is a mid-tier checking package that includes Gold Checking and a Package Money Market Savings account. It has a $12.95 monthly fee ($10.95 with eStatements), which can be waived with:

  • Any U.S. Bank personal loan, credit line, or credit card

U.S. Bank Checking Account Fees (Silver, Gold, and Platinum)

Type Silver Gold Platinum
Monthly Maintenance Fee $8.95 ($6.95 with eStatements) $12.95 ($10.95 with eStatements) $19.95 ($17.95 with eStatement)
Out-of-Network ATM Fee $2.50 $2.50 (waived twice per statement cycle) $0
Overdraft Fee $36 $36 $36
Returned Item $36 $36 $36
Stop Payment $35 $35 $35
Deposited Item Returned or Cashed Check Returned $19 $19 $19
Incoming Domestic Wire Transfer $20 $20 $20
Incoming International Wire Transfer $25 $25 $25
Money Order $5 $5 $0
Cashiers Check $7 $7 $0

Other Bonuses U.S. Bank Is Offering

U.S. Bank is offering additional bonuses to people who open new consumer Easy, Silver, Gold, Platinum, and Premium Checking accounts. These bonuses are targeted and vary based on the type of account you choose to open. This means that you'll either receive a letter in the mail or in your inbox that features your bonus offer and a promo code to receive that offer. If you haven't received a targeted letter or email, reach out to a U.S. Bank representative and express interest in one of their accounts, to see if they can offer you additional bonus money.

Once you receive your targeted bonus offer, you must follow these steps and apply for your new checking account by the specified date: 

  1. Open a qualifying consumer checking account from this page that suits your finances, and apply using the promo code that you received in the mail.
  2. Set up recurring direct deposits totaling at least $500 per month within 60 days of account opening.
  3. U.S. Bank will deposit your bonus money into your account within 6-8 weeks after receiving your direct deposits.
Compare Checking Account Options
Make sure that you look at other checking accounts that could be better for you:

Don't Forget That Taxes Apply

Whenever you receive a sign-up bonus from bank, you have to remember that you'll most likely have to pay taxes on it. As noted in the fine print of the bank deals offered by U.S. Bank, you will receive a Form 1099-INT in the mail that includes the bonus from opening new accounts. Note that the bonus amount will be taxed at your personal tax rate.

More: Best Checking Accounts of the Year