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expired Posted by bethi • Aug 8, 2022
expired Posted by bethi • Aug 8, 2022

US Bank: Open Checking Acct + 2x Direct Deposits (totaling $4000 or more), Earn

$400 Bonus

$400

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Deal Details
US Bank is offering a $400 Bonus when you Open an Eligible Checking Account, complete two or more Direct Deposits totaling $4000 or more within 60 days of opening your account, and enroll in online banking or the U.S. Bank Mobile App (see instructions below). Offer valid through September 2.

Thanks to community member bethi for sharing this deal.

Deal Instructions
  1. Open an eligible checking account here
    • Account Options: Platinum, Gold or Easy checking
    • If you apply for your checking account on another page, you'll need to enter this promo code manually: 2022JUL.
    • Limit one checking bonus per person
  2. Complete two or more Direct Deposits totaling $4000 or more within 60 days of opening your account
    • A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit.
  3. Enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account
  4. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance

Editor's Notes

Written by qwikwit | Staff
  • About this deal:
    • The least expensive account is the Easy Checking Account which has a $6.95 maintenance fee that can be waived if any of the following applies to you:
      • Your combined monthly direct deposits total $1,000 or more.
      • You keep an average account balance of $1,500 or more.
      • You are age 65 or greater.
  • Offer Terms:
    • A minimum deposit of $25 is required to open a U.S. Bank consumer checking account. Earn a $400 bonus by opening a new U.S. Bank consumer checking account, excluding Student Checking and Safe Debit Account, by September 2, 2022. The checking account can be opened in a branch, online or over the phone. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. You must also complete two or more direct deposits within 60 days of opening your account totaling $4,000 or more. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. 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 or any signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years.
    • Review the offer page for the complete terms and conditions.

Original Post

Written by bethi
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
US Bank is offering a $400 Bonus when you Open an Eligible Checking Account, complete two or more Direct Deposits totaling $4000 or more within 60 days of opening your account, and enroll in online banking or the U.S. Bank Mobile App (see instructions below). Offer valid through September 2.

Thanks to community member bethi for sharing this deal.

Deal Instructions
  1. Open an eligible checking account here
    • Account Options: Platinum, Gold or Easy checking
    • If you apply for your checking account on another page, you'll need to enter this promo code manually: 2022JUL.
    • Limit one checking bonus per person
  2. Complete two or more Direct Deposits totaling $4000 or more within 60 days of opening your account
    • A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit.
  3. Enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account
  4. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance

Editor's Notes

Written by qwikwit | Staff
  • About this deal:
    • The least expensive account is the Easy Checking Account which has a $6.95 maintenance fee that can be waived if any of the following applies to you:
      • Your combined monthly direct deposits total $1,000 or more.
      • You keep an average account balance of $1,500 or more.
      • You are age 65 or greater.
  • Offer Terms:
    • A minimum deposit of $25 is required to open a U.S. Bank consumer checking account. Earn a $400 bonus by opening a new U.S. Bank consumer checking account, excluding Student Checking and Safe Debit Account, by September 2, 2022. The checking account can be opened in a branch, online or over the phone. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. You must also complete two or more direct deposits within 60 days of opening your account totaling $4,000 or more. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. 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 or any signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years.
    • Review the offer page for the complete terms and conditions.

Original Post

Written by bethi

Community Voting

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Top Comments

firstrival
1471 Posts
401 Reputation
US Bank refused to pay my bonus, even after I showed them screenshots I had saved. Never again.
fivenue
2611 Posts
1365 Reputation
FYI, they will try to screw you out of your promo bonus, by claiming the account was not opened with promo code included.

since usually any promo will require you to wait from 90 days all the way to 6 months (perhaps more), they can easily get away with it.

not even showing the evidence will help.

just beware
iSDeals
951 Posts
114 Reputation
Since there is a monthly fee on promo all offered checking account, how soon can you close the account after getting deposit?

266 Comments

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Aug 9, 2022
84 Posts
Joined Apr 2018
Aug 9, 2022
PowerfulCaption5013
Aug 9, 2022
84 Posts
Quote from firstrival :
US Bank refused to pay my bonus, even after I showed them screenshots I had saved. Never again.
deleted
Aug 9, 2022
18 Posts
Joined Sep 2009
Aug 9, 2022
jmarr915
Aug 9, 2022
18 Posts
Quote from SlickForLife :
If I'm not working, what exactly could qualify for a direct deposit? I mean, could my husband just transfer money from his Bank of America account onto my US bank one?
Transfers from Paypal are considered Direct Deposits if you don't want to change your payroll deposits. I used this hack for two different checking account promos.
Aug 9, 2022
113 Posts
Joined May 2008
Aug 9, 2022
jcky000
Aug 9, 2022
113 Posts
Quote from PowerfulCaption5013 :
I applied for their credit card and they offered me a $2000.00 limit. I have a 800 credit score with other cards at 10K -12K limits. I called them and requested a higher limit and was told to fill out the form on the webpage and wait for them to mail me a decision. Could be 7-10 days, they were not sure how long it would take. I just cancelled the card. Then I get a call from their main office wanting to know why I was dissatisfied, and after I explained, the lady told me this was company policy and there was nothing that could be done.
You are lucky! I got a $500 CL with a 800+ score also. Opened a Wells fargo card and got a $20k+ limit (first card with them)
1
Aug 9, 2022
4 Posts
Joined Aug 2022
Aug 9, 2022
LavenderJoke5304
Aug 9, 2022
4 Posts
Quote from workerant :
It's a no brainer. laugh out loud

USBank own by China? laugh out loud
Not funny bro
1
1
Aug 9, 2022
111 Posts
Joined Jun 2013
Aug 9, 2022
spartan_kk
Aug 9, 2022
111 Posts
Quote from Lilyly :
well. not bad for $325 considering my mortgage is on wells anyway. what are the conditions? must be both checking & savings?
Requirements are
1) Apple the bonus offer code at account opening
1) Checking account with a minimum deposit of $25
2) Receive a total of $1000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening.

After a 90-day qualification period, they determine if you met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days.
Aug 9, 2022
62 Posts
Joined Nov 2015
Aug 9, 2022
vxdinh
Aug 9, 2022
62 Posts
Quite a few comments here mentioning how bad their services are plus how they try to get away with not paying the bonuses. Though it is not a surprising that big banks have no morality, it is a red flag if you really don't want to deal with the hassle.

Overall, good deal. Also, if they mess with you on the bonuses, do yourself a favor and file a complaint with CFPB. This is a must-know tip for anyone who ever deals with any banks. It will solve anything if you are in the right. They have dedicated people at the banks who will deal with CFPB complaints. Those people are very nice and will treat you like a king to get the issues resolved. The last thing they have is another lawsuit coming to them from the gov for doing some shady practices to customers. $400 is certainly not worth it for that. That's your safety net for this deal. Citi messed with me once. Filed a complaint. A very nice man called me and listened to me venting for like 1 hour and then resolved the issue. Done.
2
Aug 9, 2022
64 Posts
Joined Nov 2020
Aug 9, 2022
Daniel243320
Aug 9, 2022
64 Posts
Quote from jmarr915 :
Transfers from Paypal are considered Direct Deposits if you don't want to change your payroll deposits. I used this hack for two different checking account promos.
Wow really ?
1

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Aug 9, 2022
1,909 Posts
Joined Sep 2013
Aug 9, 2022
slickyd5270
Aug 9, 2022
1,909 Posts
Quote from Daniel243320 :
Wow really ?
Some banks will, some may not. If you search Doctor of Credit... they have a page that lists banks and what counts as a direct deposit for each.
Aug 10, 2022
421 Posts
Joined Jun 2019
Aug 10, 2022
CleverChicken951
Aug 10, 2022
421 Posts
Quote from jmarr915 :
Transfers from Paypal are considered Direct Deposits if you don't want to change your payroll deposits. I used this hack for two different checking account promos.
This may not work with every bank for everyone. Some have clearly outlined. If my memory serves me right, Chase has exclusion to this
Aug 10, 2022
239 Posts
Joined Dec 2017
Aug 10, 2022
estarn43
Aug 10, 2022
239 Posts
Quote from CleverString959 :
Same thing happened to me with a CC. I won't do business with them again.
This originally happened to me with a credit card. I had to hound them for about 3 months and finally got to speak to some regional manager that was able to manually adjust and get my credit posted to my credit card. What a headache though and I wouldn't do it again. But the card is still around for the cash back categories.
Aug 10, 2022
1 Posts
Joined Aug 2022
Aug 10, 2022
pyunishr
Aug 10, 2022
1 Posts
is a bank transfer or zelle considered a direct deposit?
1
Aug 10, 2022
44 Posts
Joined Dec 2017
Aug 10, 2022
MarquezH
Aug 10, 2022
44 Posts

Our community has rated this post as helpful. If you agree, why not thank MarquezH

Yeah so like somebody mentioned be aware US Bank are absolute a**holes when it comes to transferring your $ out to literally ANYwhere else! They prevent them for 90 days min, and limit Zelle to $1k max.
Key WORK AROUND for this though;
I added the US Bank acct to my Apple Pay cash card, transferred the 3K I needed for mortgage payment to Apple Card (which hits it instantly!), swapped linked bank back to my normal one, then transferred funds accordingly hehehe!
Apple says 1-3x bus days, but I've done this 3x times now and received funds in ~24hrs every time, works like a charm 😝
1
Aug 10, 2022
981 Posts
Joined Jan 2018
Aug 10, 2022
Surfer5
Aug 10, 2022
981 Posts
Quote from SlickForLife :
If I'm not working, what exactly could qualify for a direct deposit? I mean, could my husband just transfer money from his Bank of America account onto my US bank one?
You can have your husband setup direct deposit to your new account from their payroll. The direct deposit can be from anyone but has to be payroll.
Aug 10, 2022
473 Posts
Joined Jul 2008
Aug 10, 2022
saltinekracka20
Aug 10, 2022
473 Posts
Quote from Duplicating :
for the direct deposits, is it two or more that together will equal at least $4,000? or does each direct deposit need to be at least $4,000?
Any number of direct deposits that total $4k before 60 days.

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Aug 10, 2022
3,088 Posts
Joined Jan 2006
Aug 10, 2022
jneset
Aug 10, 2022
3,088 Posts
Quote from firstrival :
US Bank refused to pay my bonus, even after I showed them screenshots I had saved. Never again.
BBB them!
That's possibly the few ways to get something done with big business.
I've heard twitter also, but have fallen back to my former BBB complaint habits. Takes 5 min max

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