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

Jul 24, 2017 | Be First to Comment!

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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

U.S. Bank Checking Account $200 Bonus

Type Details
Bonus Amount $200
Expiration Date 8/21/2017
Availability Nationwide
Credit Inquiry Soft Pull
ChexSystems (Banking Report) Inquiry Yes
Minimum Opening Deposit $25
Where to Apply Sign-up page

Open a Silver, Gold, or Platinum Checking Package and you'll earn $200 after you fulfill the requirements for the bonus within 60 days of account opening (one of the following):

  • Set up a recurring direct deposit of $500 or more
  • Make two (2) Online Bill Pay transactions of $25 each or more

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

What You Have to Do to Avoid the Monthly Fees

The Silver Checking Package is a combination of the Silver Checking account and the Package Money Market Savings account. It has a $8.95 monthly fee ($6.95 with eStatements), which can be waived when you have a Package Money Market Savings account and either:

  • Combined monthly direct deposits totaling $1,000
  • A combined average deposit balance of $1,500

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

The Platinum Checking Package includes Platinum Checking and a Platinum Selec Money Market Savings account. The account comes with handy benefits such as free non-U.S. Bank ATM transactions, overdraft protection transfers, personal checks, money orders, and more. It has a $19.95 monthly fee ($17.95 with eStatements), which can be waived with:

  • $25,000 in combined personal deposits, investments, and/or credit balances
  • A relationship with U.S. Bank Trust services

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

Compare to Online Checking Accounts

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
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