Posted by William Charles on August 21, 2017
Bank Account Bonuses

Published on August 21st, 2017 | by William Charles

882

[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:



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

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Saf
Saf

Thanks DoC! Would be nice to note that the Package Money Market account has no monthly maintenance fee and only requires $25 to open.

Easy way to keep Silver Free

Abe
Abe

Except that you still need a minimum direct deposit or an average daily balance to keep the money Market package free from the maintenance fees.

$0 With a Package Money Market Savings account

– AND either

Combined monthly direct deposits totaling $1,000

– or –

A combined average deposit balance of $1,500

Christy
Christy

Can anyone say if you can close this account online rather than having to go to a branch in person. I can’t find anything about closing the account. Thanks

Roberto Martinez
Roberto Martinez

Any us bank credit card you recommend applying for. Bonus would be dope

VanillaCarrotCake
VanillaCarrotCake
Shin
Shin

Uhh…30k MR? It says 30k Flexpoints.

Max
Max

Argh closed my USB account too late, March 23. Hope they extend this past Sept 23.

Joe
Joe

I’m March 14. Really hoping so as well.

Matthew

I plan on applying for a US Bank card, but not right away. Any DPs on if the gold package is fee free for the first month or two?

Or should I get silver and then upgrade to gold if I get approved for a card?

mike t
mike t

just got denied. Maybe due to chexsystems? Have opened up quite a few MT bank accounts recently…

Anthony
Anthony

You can get more than one MT bank bonus?

V
V

Yes, see the DoC posts for the various MTB Bonuses, you can get one for each promo code. QD and QC are expiring today ($150 each) so you can still get them.

DD
DD

literally open an account last week. Does US Bank match?

plungerjoke
plungerjoke

They told me no on the phone yesterday, but the reason stated was that there was already a promo applied to my account (same terms just for $150). Based on this I’d say it is worth a phone call.

BOS George
BOS George

Denied. ~12 new accounts in 2017.

David
David

Are those all bank accounts or including credit cards?
I have opened ~10 bank accounts this year. So far so good.

Plungerjoke
Plungerjoke

Any dps on if they’ll match? Working on a targeted 150 mailer with the same requirements…

EC
EC

How am I constantly being denied when applying for basic checking/savings accounts? Just denied US Bank’s Silver checking package, and in the past I was denied by BMO Harris and M&T Bank (whom I understand accepts just about everybody and accepts them about 15 times each). I have $200k+ income, 10+ years of credit history with no negative marks and have never been late/missed a single payment, 810 FICO. Last year, Chase approved me for Private Client. This year, I’ve received instant rejections from the likes of BMO, M&T, and USBank’s most basic checking accounts. Honestly baffled.

Simon
Simon

did you have your Equifax file frozen at the time of account applications? I had that situation with several banks including BMO and M&T. I unfroze it and BMO went through. M&T still doesn’t like me though. I later found out I also had a misspelled name on my EQ file which might also have caused the problem.

EC
EC

Good question – Two weeks ago I froze Experian. I hadn’t considered/remembered this.

scott
scott

I was denied by M&T Bank today. I’m assuming it’s because I’m out of state. I was approved by every other bank.

_here_
_here_

I’m out of state and haven’t been denied

Richard B
Richard B

This thread is for U.S. Bank.

MoreSun
MoreSun

Sweet! Haven’t been able to open a bank account I could fund with a credit card in sometime, nice to get points off this one! Funded with Chase Freedom Unlimited (declined at first, received fraud alert from Chase, approved it and it tried again transaction went through).

MoreSun
MoreSun

I have over a dozen Chex inquiries this year but no previous accounts with US Bank.

MoreSun
MoreSun

Also, my cash advance is set at $100 & I funded $25 checking $475 MM. One charge for $500 is currently pending on my card so it has to have coded as a purchase.

Michael McKinney
Michael McKinney

When you used the Freedom card did it go through as a cash advance?

MoreSun
MoreSun

Nope, went thru as a purchase. (It would have been denied as a cash advance because my limit is set at $100 for CA & I charged $500.)

wcwei5800
wcwei5800

My charge is declined as fraud as well. When you say “approved it and it tried again transaction went through”, did you re-complete the application?

I already received an email from US bank with account numbers, so not sure if I should re-re-complete the application.

MoreSun
MoreSun

No, I didn’t re-complete the app. I got a text from Chase Fraud, replied the charge was legit and then tried charging again within the application. If your application has already gone through and you have account numbers you might have missed your chance, You could always call USBank and ask about the initial account funding.

DH7
DH7

Success! Instant approval, funded $500 with my new Amex Gold Ameriprise. I went for the Gold package to avoid fee,s also got pre-qualified for two consumer cards but neither has bonuses…

Haven’t checked if it codes as cash advance yet, but Amex chat rep recently said only ATMs can cash as cash advance (no idea if that’s true).

Thanks DoC!

Bill
Bill

The CC funding page has very mixed and confusing results as to whether it’s cash advance or not for amex. I’d be curious to know how yours codes, so I’d appreciate an update when you check!

Joe
Joe

Ameriprise gold is a charge card, so there are no cash advances.

_here_
_here_

Wow they are Chex sensitive?

payyoutuesday
payyoutuesday

Last year, someone pointed me to this program, which I used to waive monthly fees on the Gold checking account:

https://www.usbank.com/bank-accounts/checking-accounts/because-youve-earned-it.aspx

Gil
Gil

728 isn’t high enough unfortunately

Deb
Deb

You have 728 on Transunion and you did not qualify for that program that would get you free gold fees?

Anyone willing to share their transunion score so we know the cut off?

Gil
Gil

Never mind, 728 is my FICO, my vantage is like 675. Haha

William
William

Qualified with 742 VS 3.0 Someone posted on r/churning 740 was the cutoff.

Ryan
Ryan

They definitely use VantageScore 3.0, but the cutoff must be lower than 740. My FICO is 766, but my VS3 is only 708, and I qualified.

DSP
DSP

Denied @ 735. No apps planned anytime soon so will probably go above 740 in the next couple weeks, will update if approved.

Chris
Chris

So it looks that program, Because You’ve Earned It, needs Trans-union Score. Does this mean they will hard-pull?

Shaun
Shaun

I assume the “won’t impact your credit score” probably means it’s a soft pull?

I authorize U.S. Bank to obtain my credit score through TransUnion®, the supplier of the VantageScore® 3.0 credit score used for this program. I understand that this credit score check:
Will be used only to determine my eligibility for Because You’ve Earned It
Cannot be used to determine eligibility for other U.S. Bank products
Won’t impact my credit score

Shaun
Shaun

Hey thanks for this. Was just approved.

Blue
Blue

Qualified with a 818.

Matt
Matt

this might be location sensitive? I have a lot of us banks near me and my score is ~735 and was approved for this program.

Mike P.
Mike P.

Approved. Seven bank accounts opened in the past 12 months. Put $500 on my new CIP (hopefully it codes as a purchase) and will do the two bill pays. Thanks Doc!

EC
EC

Can you pay off an existing credit card balance and count that as a Bill Pay? Or does the bill have to be like a utility or internet bill?
Thanks.

NN
NN

you can pay off CC balance, just remember to set it up through US Bank end, not your CC end.
I did it with last year promo, worked smoothly.

Aaron H.
Aaron H.

I did as well. I funded the account with $500 on my Prestige. Flagged as purchase, not cash advance. Then I did 2 bill pays from the originally funded amount to pay off the Prestige’s balance.

DSP
DSP

Perfect timing! I just passed the 6 month mark from closure of my last US bank bonus account

Moose Cow
Moose Cow

Attempted to fund $500 on CitiBusiness Platinum Select. Declined, and when calling Citi they said it came in as a cash advance. Might want to update your DP page Doc. Not this is Business, might code differently on personal.

alex
alex

Same thing happened to me yesterday for PNC. I switched to double cash, it went through

taddy
taddy

Just tried and got denied. First time I’ve ever been denied by a bank. Not inclined to follow-up and find out why.

I’ll just wait for another nationwide or PA-only bank bonus to go after.

Ryan
Ryan

Do they have branches in PA? If not, that might be why – I don’t think they’ll do deposit accounts outside their footprint. (Just going by other discussions I’ve seen)

James
James

Got denied. Just said unable to provide me an account at this time. I probably had about 15-16 inquiries the past year.

pizzywoah
pizzywoah

Denied. Have opened 15+ accounts in past 9 months.

Application Status
U.S. Bank Silver Checking Package
We’re sorry. We’re unable to take your application at this time.
Next Steps
U.S. Bank Silver Checking Package
Thank you for your interest in an account with U.S. Bank. Based on the information you provided us, we are unable to grant your request for a deposit account at this time.

Thank you for considering U.S. Bank as your financial services provider. If you need further assistance, please visit a U.S. Bank branch location

ChimRichalds
ChimRichalds

Same, but with only 3 new accounts in the last 6 months. Guess I’m going to give them a call tomorrow. US Bank sucks…

Can you “recon” a checking account denial? If so, I wonder if I can still fund with CC?

Saf
Saf

Funded with Chase SW Premier. CA set to $20. Card got denied at first because of fraud, I called Chase, they released it and submitted again. App session said expired, but just got email confirmation that both accounts were open and approved. Called and verified that it was approved and opened.

Arun
Arun

Didn’t work for me. It gives the following status.

U.S. Bank Silver Checking Package
We’re sorry. We’re unable to take your application at this time.

Darryl
Darryl

Got the same thing

James
James

Same here

Mike
Mike

Same here. In OK, don’t know if the location caused it

R
R

any DP’s on funding with amex plat?

Dan
Dan

Not Plat, but SPG Business with CA unenrolled worked for me.

R
R

Had a chat with Amex csr, he said no question of CA as it’s a charge card, I need to read more

artgriego
artgriego

don’t ask…don’t call banks asking if your bank transfer counted as direct deposit, and don’t ask a credit card issuer if your bank account funding will post as a cash advance

Davezilla
Davezilla

Follows up to avoid confusion

SPG Biz is NOT a charge card.

Amex charge card examples in include Amex Biz plat and gold

Nelluk
Nelluk

Any info on whether the bill pay needs to be a legit bill with a known payee, or can you pay a bill back to yourself somehow?

Sarah
Sarah

You can do a billpay to absolutely anyone as long as they have a mailing address, examples include your landlord, mortgage servicer, credit card issuers, town (taxes), friends, family, etc, etc.

snoptro
snoptro

Great find. Thanks Doc!

Borat Sagdiyev
Borat Sagdiyev

Denied…don’t know how to check Chex but I’m sure I’ve got a ton of them…made like $10k in bank acct bonuses over last 1.5 yrs

_here_
_here_

10k?? Wow. I must have missed some or you’re hitting the churnable ones hard

Jake
Jake

He probably has a spouse

GW
GW

Not sure if there have been any updates regarding waivers when applying for the Altitude Reserve with a newly opened US Bank checking account. I have never held a US Bank checking account or credit card before. I was just approved for the Gold Checking account. Am I good to go to apply online for the Altitude Reserve and call in when/if declined for no relationship? Or should I apply in-branch?

Adrian
Adrian

Was approved for both Silver Checking and Money Market Savings accounts.

Have opened 11-12 accounts in the last 6 months.

They may be Chex sensitive but clearly not overly or YMMV.

Thanks again DoC!

Teck
Teck

Applied for Gold account and was instantly denied. Called and rep said she had no clue but stated that US Bank checking is NOT nationwide and not available in CT. I suspect thats inaccurate and has to do with the number of Chex inquiries. We’ll see.

Joshua Qian
Joshua Qian

Denied. Opened 15+ accounts in the past 3 months

R
R

applied silver with savings, went to review
wonder what they will review for a checking account

NN
NN

when I applied last year, it also went to review. then got an email ask for DL, shortly after I sent it in, got another email said account opened.

R
R

Thanks, I plan to walk into branch tomorrow as they are everywhere here in OC

Heidi
Heidi

Denied for Silver and Money Market. I’ve had 4 new accounts in the past 12+ months. Is this bonus location specific?

Heidi
Heidi

Just noticed this language at the bottom of the email USBank sent with the promo code – You are receiving this email as a service to your account because you are a U.S. Bank customer.
I am not a USBank customer. Maybe that is why I was denied?

MoreSun
MoreSun

I’m not and have never been a US Bank customer. Other things that might have affected it? I got the code via text & not email, but there really shouldn’t be any difference I would think. There are no US Bank locations within 50 miles of my address in CA. I don’t know if they can see where you’re located at the time of applying but I’m out of state right now & there is a US Bank location in this town. Unfortunately that’s all I can think of as DPs here.

MoreSun
MoreSun

No branch within 50 miles of my home address but there is one within 100 miles.

MarcoPolo
MarcoPolo

@ William
Do you have to do all three things to avoid the monthly fee or just one of the thing listed in the OP?
TIA

HardTacoKit
HardTacoKit

Denied.

I have 16 new checking accounts this year.

Mark O
Mark O

I got approved for mine – thanks fellas!

When I went to apply for my wife’s they auto filled her stuff via her login but here Soc Sec # was one digit off – a 3 instead of an 8. Really strange and not sure how to proceed – you are unable to change it. I can not believe they would approve her credit card with the wrong Soc #.

MoreSun
MoreSun

Does it show on her credit report?

Zack
Zack

Gonna try and see if I can use AGC for the funding… but does anyone know if you could have a cash advanced on a gift card, AGC in this case? And if so what happens?

RY
RY

I don’t know about cash advance for the gift card, but please let me know if this works. I want to use my AGC also.

V
V

I never tried funding bank accounts with GC nor read about it but I am also interested in knowing about this. I have a couple of corporate Amex GCs from my company and they are a pain to use, I tried them on a couple of gift card sites but they are being declined on GiftCardZen as well as on CardCash.com. I would be pleasantly surprised if funding a bank works.

Wyle
Wyle

YMMV, but in some locations, you can use them at Office Max/Depot or grocery stores to buy Visa GCs. Works well when a sale offsets the Visa activation fee. Good luck.

Jeff
Jeff

Approved. Got the gold package since I have the USB FlexPerks card. Funded with $500 from Freedom Unlimited. Hopefully no CA. Thanks DoC!

Dave
Dave

Hey Jeff.

Did the Freedom Unlimited code as a purchase?

Matt
Matt

Denied with somewhere between 16-18 chex systems inquires in the last 6 months

David
David

So for the Because You’ve Earned It program, I would apply for the Gold Checking Package first, then when I’m able to log in I’d go through the BYEI program process and link the existing account, right? That’d waive me of monthly fees? Just wanted to make sure I’m doing it right. Thanks for the post!

Abe
Abe

I would go for the Platinum Checking Account instead if I were applying through the Because You’ve Earned It program. Read the terms, the Platinum is also covered under the program. I was denied because my credit score was not good enough or because I have a short credit history.

Anthony
Anthony

Abe, I can’t find the Because You’ve Earned It Platinum application. Do you have a link to it? I only saw the gold.

Shaun Elrod
Shaun Elrod

Do Because You Earned It first, it will segue right into the application for Gold Checking. You’ll put in your promo code at the start of the Gold Checking phase. There’s a checkbox at the end of the entire application to make sure Because You Earned It is applied.

MarcoPolo
MarcoPolo

Denied – my First ever denial.
Oh well…………

Kelly
Kelly

Denied!

“Thank you for your interest in an account with U.S. Bank. Based on the information you provided us, we are unable to grant your request for a deposit account at this time.”

Too many accounts opened in a short period of time I guess.

Abe
Abe

Regarding U.S bank, they have a program where they waive all monthly maintenance fees even for the Gold or Platinum account if you have great credit. I think they do a soft pull on your Transunion and check your TransUnion®VantageScore™ 3.0 score.

The nice thing about the platinum account is that it comes with no-fee money orders but I doubt they’ll let you use giftcards to pay for those.

https://www.usbank.com/bank-accounts/checking-accounts/because-youve-earned-it.aspx

artgriego
artgriego

It’s well-known USB may shut you down if you apply for a 2nd (or more) CC with them and they don’t like what they see. Anyone seen DP of them shutting down on a soft pull, like for a bank account? They’re my oldest credit line and I’m lol/24, but I’m tempted to go for this.

VJ
VJ

Application Status
U.S. Bank Silver Checking Package
Your application is being reviewed.
You decided to fund your U.S. Bank Silver Checking Package with $XXX.
U.S. Bank Package Money Market Savings
Your application is being reviewed.
You decided to fund your U.S. Bank Package Money Market Savings with $XX,

Wong
Wong

You were able to fund two accounts for a total of $1000?

BHanna
BHanna

I called in to apply… I normally apply online, but because of all the listed denials, I was a bit concerned so decided to call..

They said they don’t accept applications from VA, and that it would lead to automatic denial even if i tried to apply online 🙁 They said you need to be located near a branch… not much other detail given…

Best of luck to everyone else though. Thanks for posting doc. Worth a try :/

Peter
Peter

Thanks for your DP “need to be located near a branch”, was gonna apply for me and wife. But 500 miles + is not gonna fly.

Pass

V
V

Thanks for this DP, I am in VA and I would have wasted my time with multiple applications for various family members. This was a mouth-watering and easy $200 bonus, I wish they were more specific about the location requirements. I see some other comments below saying they had the same issue in NY where no branch was nearby.

Darv
Darv

If you’re being denied for this, go into a branch. The only times I’ve ever been denied for opening a checking account were online apps and if I went into the branch, they opened them for me–in cases where a branch was near me.

Jason
Jason

Online application after submission said “not able to complete at this time”. Called and after lookup was told it was because there are no branches near me. I am in Michigan, she said it is over 200 miles and thus they do not offer deposit accounts. Despite not being eligible for the bonus – that makes pretty sound sense to me and I’m not bothered by it.

JuicyJosh
JuicyJosh

I guess there is hope. “Wife” applied and now pending review with 15 inquiries in last 12 months. Will hold my app until status known.

Application Status
U.S. Bank Silver Checking Package
Your application is being reviewed.

JuicyJosh
JuicyJosh

Received denial “due to decision made as a result of additional verification attempts made to protect your identity. In review of your application, there were inconsistencies in the information provided.”

Not sure exactly what it could be but guess I wont be applying fro myself. First bank bonus app denial ever.

captainsave
captainsave

Pending…

Sean
Sean

Does anyone know whether that USB credit card has to be personal, or will a business card do? I have an Edge Business Cash.

Miley
Miley

I’m thinking of funding the checking account with my Amex Business Plus but I’m concerned about it being coded as cash advance. Does anyone know how to disable CA for Amex?

Miley
Miley

Approved. Tried to fund w/Amex Business Plus and no go. Called Amex and was told something about setting up cash advance so I hung up.

3 Inquiries this year.

Loren W Kenion
Loren W Kenion

Was this the blue biz plus? They told me my CA is unenrolled

andy
andy

Applied online. In Virginia. Denied. Called. Said no branch in area. No recourse.

Chris M
Chris M

Thanks for the heads up. I was figuring that would be the case for the central Virginia area. Did you try for the Union Bank (Virginia) bonus? That’s an easy one.

Peter
Peter

Are you talking about the $100 union bonus or any bigger one out there, I may have missed.

Chris M
Chris M

Nope, that’s the one I meant! Just trying to spread the word to a fellow Virginian in case you hasn’t done it yet.

Chris
Chris

Are they geographical sensitive?

Peter
Peter

Doc you might want to note the Smart Start savings program that you’re eligible for when you open with the silver package. You get $50 after scheduling checking to savings transfers ($10 once a month counts) and waiting a year. There’s also a 1% on gas/grocery debit transactions, which will be interesting to zero readers of this site. The $50 isn’t great, but probably worth it if you’re already getting the account. Main downside is you have to keep the account open a year, so you won’t be eligible to do this again next summer (not a big deal for me as I wouldn’t want to churn US Bank too hard given how sensitive they can be)

David
David

Thanks,
I signed up for this.
I think you have to reach an increase of $500 of money market balance to get the bonus (So, a total of $525 if opening with a minimum of $25 balance):

$50 Goal Reward: When the account balance in the Package Money Market Savings account reaches the Reward Goal Balance for START Smart by the Program End Date a $50 Goal Reward will be earned. The Reward Goal Balance is the Beginning Goal Balance plus $500. Beginning Goal Balance is the Package Money Market Savings account beginning ledger balance on the Enrollment Date. The Goal Reward earned will be deposited into the enrolled Package Money Market Savings account on the Payout Date regardless of when the goal is met during the program term. Payout Date is the first business day after the Program End Date.

Still worth it for me since I wanted a relationship with them anyway.

Luke
Luke

Approved and funded with Alliant 3% card even with having opened 12 accounts this year.

NBG
NBG

First Denial 🙁
First went into review and after 15 min got this email of denial.

This decision was made as a result of additional verification attempts made to protect your identity. In review of your application, there were inconsistencies in the information provided. As a result, an account cannot be opened for you at this time. Please visit a U.S. Bank branch in person to provide proper identification. We take our customer’s identity and privacy very seriously and appreciate your understanding.

I am not sure what that even means. All the info were right and even double checked the screenshot I took of the info.

Jim
Jim

If you have a branch, I’d just go in to verify things.

Looks like lots of folks on Reddit also got the identity verify message.

I’m in pending under review status too…

Flea
Flea

Didn’t work for me in NY (same double “unable to open at this time” message). Double checked “location” tab on U.S. Bank site and it says no branch locations within 100 miles of my zip.

Stack101
Stack101

I have been waiting for this deal, sadly I didn’t try after seeing some denials, not only no branch in NY, not even an ATM can be found within 100 miles… no one mentioned geographical problem back in 2016 Summer promo post, wonder if this is new.

Flea
Flea

Yeah, mine tossed up a single ATM at a Cabela’s in Connecticut, but that wasn’t going to get me far, ha.

Kaden Stern
Kaden Stern

Denied. I’m assuming due to not a close enough branch. ~9 new accounts in the past year so could be due to that.

jonsmoth
jonsmoth

Approved

Stats:
15 bank accounts signed up since 4/15/17
Have US Bank CC for 2 months
Citi AAdv pending as purchase for $500 load

Stack101
Stack101

Do you have U.S. Bank branch nearby? Thank you. I wonder if having CC relationship will make a difference when no branch nearby.

jonsmoth
jonsmoth

Updated. I am located in NorCal with a number of branches around.
It was instant approval right into funding type and amount. I’ve only been denied additional M&T accounts in the past 2 months (sitting at 4 of those).

Jay
Jay

I just called Citi and they said the lowest they could reduce the cash advance limit to was $750 for my Citi AA personal card, are there any DPs showing that funding this chk account for $500 shows up as a purchase and not cash advance?

yu
yu

Hi Jonsmoth,

Can you confirm Citi AA is coded as purchase ?

Thnaks.

Iz
Iz

If I qualify for the “Because You Earned It” program, the Gold account is free, with no minimum balance? Thanks.

Jeremy Fisher
Jeremy Fisher

Looking into that now too

Jeremy
Jeremy

Seems like “Because You Earned It” would have been the best option to keep fee free, but was denied like many others on this thread.

Jay
Jay

My SO was automatically denied online, despite having a (comparatively) very clean CS report: just two inquiries within the last 12 months, and no negative information whatsoever. Therefore, the denial seems unlikely to be based on the CS report. However, we do live over 300 miles from the closest US Bank branch or ATM.

As such, I see little hope for OOS applicants who live a significant distance from the closest branch. Hopefully they don’t pull a Westfield Bank and put a hard inquiry on the CS report despite being rejected due to geographical reasons.

Jay
Jay

Would like to add that SO has never had any US Bank credit card, or indeed any other prior relationship with US Bank.

Jay
Jay

Also, no reports from any reporting agency (including ARS/ID/etc.) were frozen.

Gmoney
Gmoney

Approved instantly in WA. Located in a city with several branches. Lots of accounts (13+) opened in the last year. This is my 3rd year in a row opening a US Bank account with their summer promotion.

Funding $500 with Citi Doublecash and it’s pending in my citi account. I will update if it does NOT go through as a purchase. I tried to fund more but the system wouldn’t let me go above $500 even when opening checking and savings.

A popup also appeared at the end of my application stating I was preapproved for 2 credit cards with 11k credit line (neither were Altitude Reserve but hopeful that means I can get it soon so I declined the two offers).

Will possibly apply for my SO as well but I seem to remember this bank forcing you to call in to close the account and she hates that…sigh.

Avi
Avi

Denied with 13 accounts opened in 4 months, should have been obvious.

sirtheta

I was recently denied (~2 mos ago) with few bank accounts opened recently. My supposition is that you need to live somewhat close to a branch and there are none remotely near me :/

Iz
Iz

Ok, anyone not near a branch who was approved?

Lily
Lily

yes, i got approved. have no branch or ATMs within 200miles.

Iz
Iz

Thanks! 🙂

Wyle
Wyle

Any DP on whether a co-branded credit card issued by USBank is sufficient to waive monthly fees?

Fred
Fred

I had contacted US Bank last year to ask that (regarding my Kroger cc) and was told yes.

bmanamex
bmanamex

Denied, on the East Coast, with 15 accounts

TPdL

Data Point!

New Checking Accounts in last year: 1
Applied for: Gold Account (I have a Cash+)
State: Texas, I’m not near any branch, although there are some ATM’s in cities nearby. New Mexico branches are the closest.
Application Status: APPROVED
CC Funding: Chase Ink Preferred for $500 dollars. I should have tried more to see if they’ve raised the limit. I am sorry everyone.

It instantly updated my US Bank Login with the account info for the new checking account and new debit card. I’ll get stuff in the mail soon it said. There was no confirmation of the “offer” being attached to the account so I’m going to Secure Message just to double check that’s all attached properly. Thank you, Doc. I’d been waiting for this summer US bank promo to come around!

Jaha Constkugh
Jaha Constkugh

Keep showing this.
Your application has expired.
For your security, applications expire after 15 minutes without activity from you.

JM
JM

Argh same thing keeps happening to me! Not sure how to complete this damn application.

SI
SI

Switched from Chrome to IE and it worked!

Vince
Vince

Yep, just tried on Internet Explorer and it worked. Only good reason to use IE ever…

Vince
Vince

Another way to avoid fees on US Bank checking products: If you are currently serving in the US armed forces, or retired from the US armed forces, US Bank will waive the fees on their checking products.

I found this out when I opened a checking and package money market account with them and I listed my occupation as soldier, and my employment status as retired,. US Bank called me and asked if I had served in (and retired from) the US Army. When I confirmed that I had served in and retired from the US Army, they upgraded my checking account to the platinum, and waived the fees on it.

The way they waive the fees is the monthly fee is first charged to the checking account, and then they credit the amount of the fee back to the account. So I make sure to keep the minimum balance in the checking account above the amount of the monthly fee to insure that the account doesn’t incur any overdraft charges.

AndyK
AndyK

Great info… thanks. This works very well with the $300 Chase Premier Plus checking account too 🙂

Lance
Lance

I HAVE A STUDENT CHECKING WITH U.S BANK THAT I OPENED LIKE 10 YEARS AGO.. IT ONLY HAS LIKE .50 CENTS BALANCE IN THE ACCOUNT.

I GUESS THAT DISqualifies me from applying for this bonus?

AndyK
AndyK

Well, just applied using the “Because You Earned It” link, they said my credit score is high enough for free Gold Checking, so I completed the application using the bonus code they e-mailed me, and they finally ended up telling me to get lost. What a great bank and complete waste of time

Ace Malik
Ace Malik

Im confused title says no dd required then in the text it says required

Ryan
Ryan

You have another option to do 2 bill pays instead of DDs

Chong
Chong

Do US Bank Business credit cards waive the Gold checking fee or only personal cc’s?

Lily
Lily

Here is my DP: Just applied online and approved instantly. Don’t have branches within 200miles, but i do have a USB CC (had their checking but closed in 2015); with high credit score (800’s) and low # of HP. Funded $499 using captial1 Spark (had to call to clear the fraud alert between 2 tries).

wcwei5800
wcwei5800

My charge is declined as fraud as well. When you say “had to call to clear the fraud alert between 2 tries”, did you re-complete the application?

I already received an email from US bank with account numbers, so not sure if I should re-re-complete the application.

Ryan
Ryan

I’ve got a general question about application denials due to Chex inquiries. If you apply for an account and get denied due to too many Chex inquiries, does the new application also result in a hit on your Chex?

Gadget
Gadget

Yes. However, US Bank usually uses EWS… not Chex. YMMV. Once you get denied, or annually, you can request a copy of your report on Chex’s website. They snail mail it a copy in a week. EWS procedure is similar.

Wes
Wes

15+ Accounts in the past 6 months, approved for Gold

HardTacoKit
HardTacoKit

Do you live near a branch?

Wes
Wes

I live in Philly. No idea if there are any branches around here.

Karim
Karim

Any particular browser you used? Incognito Mode?

Stacy
Stacy

Denied. 10+ bank account in past 6 months. VA resident. No branches in VA that I’m aware of.

Sun
Sun

I got pending review. Haven’t seen this for checking accounts. Is anyone else in same boat?

Brian
Brian

Denied for both my wife and I. Probably too many opened/closed accounts on Chex. Same message as others – Unable to open the account at this time. Never heard of the IDA/ARS freezing, so I’m pretty sure that’s not the issue.

Brian
Brian

I am applying for a credit card and will go back and try the Gold account if it is approved.

TKM
TKM

Any additional DPs on what checking/savings accounts are counting as DD? The data from DoC looks pretty sparse.

plungerjoke
plungerjoke

I opened a few weeks ago off of a targeted mailer, and my chexsystems report is filled with fun activity right now. Wonder if I squeaked through because of mailer.

Zack
Zack

Denied for silver checking and money market savings. Only have <5 accounts opened (although 3 were recent) and I am 100+ miles away from nearest ATM.

Also tried the Youve Earned It pre auth and it said "we're unable to process your credit score at this time". Score is over 740. Don't know what to make of all this.

CC
CC

Denied for TX. 2 checking accounts opened in past year. Called bank and they said they do not offer checking accounts for TX resident.
Here is my question, they rolled out Altitude reserve card to get Chase customers or other banks with restriction having to be a customer for 30 days. How the heck do we get to be a customer if they don’t even let us sign up checking account?
DoC, should this be State-Specific rather than Nation-Wide?

Gil
Gil

TX residents can get approved if they either have an existing relationship or live within 50 miles of a branch

CC
CC

Thanks. Now I know seeing all other DPs.
No dice for either one. 🙁

Ronald
Ronald

Does the $500 total direct deposit requirement mean that I need direct deposits totaling $500 each month? In other words, if I am paid bi-weekly and I set my direct deposit to $250 each time, will that meet the requirement?

AlwaysFlying
AlwaysFlying

Approved for Gold. Funded with Ameriprise Gold $500. No USBank branches in the state. 8 other bank accounts opened in the past 12 months.

Gil
Gil

How far is the closest branch to your address?

AlwaysFlying
AlwaysFlying

Many hundred miles. There are no US Banks in Florida I think. I forgot to mention I have several CCs with USBank. The new account appeared instantly.

Ken
Ken

They require a personal CC to waive the monthly fee. A business card will not work to waive the fee. I learned this the hard way after fighting back and forth with them.

Josh
Josh

Qualified for Because You Earned It, denied though. Agree that it’s a distance thing.

Gmoney
Gmoney

For those eligible for the US Bank “Because you Earned It” program to waive fees on Gold Package, what was your Vantage 3.0 score? I did not qualify and mine was 725. I signed up for their free credit score via their online banking and Credit View to see my score.

Gmoney
Gmoney

I believe Credit Karma’s Transunion score is Vantage 3.0 as well.

Gil
Gil

Supposedly 740 is the minimum

Juston
Juston

Because I had the question, attempted a $1000 fund, and was rejected: The total CC funding is still $500 even if you are opening the savings account. I split it $475 checking and $25 savings.

Anthony
Anthony

William,

With the “Because You’ve Earned it Program” to avoid any fees on the Gold account,, if we apply through that link, will we still be eligible for the bonus?

Rab
Rab

How do u check if u are eligible for the because u earned it program?

L T
L T
L T
L T

Is there a space to enter the promo code on the application when you go through the “Because You’ve Earned it Program”? If so, it should be fine presumably. Let us know, or call and ask if both can be combined 🙂

Richard B
Richard B

Yes, it moves on to the next screen where you can enter promo code. I made this mistake for my SO. So now I need to call it says to switch to this Gold account, but I don’t want to switch account types before I get the bonus. My fear is that it’ll disqualify him some how.

Eric
Eric

Just got denied in VA online. 700+ credit score. I opened 6 new accts this year, 1 has closed. I am not citizen nor green card holder, that may be the reason too, although it does not require citizen/green card.

thanks to DoC and just want to share a DP.

captainsave
captainsave

Where can i check my application status?

Eric
Eric

They’ll send you an email with pass code after you saving your application. Go via the email.

Chris
Chris

I’m in Florida and applied for the Silver Checking but was denied. I called, and the CSR explained US Bank did not offer checking accounts to Florida residents unless they already had another US Bank product(CC, mortgage, etc.)

Sarah
Sarah

Wonder if Fidelity rewards card counts? (serviced by Elan Financial, subsidy of US Bank)

NoonRadar
NoonRadar

Denied: “Thank you for your interest in an account with U.S. Bank. Based on the information you provided us, we are unable to grant your request for a deposit account at this time.”

I have over 15 new check accounts this year alone so guessing this was the reason why. If it matters, I said yes to having a US Bank login and logged in to it and applied. I said no to opening a credit card, I wonder if the approval chances for this would have been higher had I opted to apply for one of their credit cards, business or personal. A bit catch22-ish since a checking account is supposed to help your chances of CC approvals with them. I’ve also churned a couple of these accounts in the past so I don’t know whether they started to keep track and factor that also.

jonsmoth
jonsmoth

I confirmed with Amex CSR that SPG was declined as cash advance on $500 load

SS
SS

Approved / eligible for Gold via Because You’ve Earned it but then Denied at the 4) Result Page.

NJ address and ~ 20 new bank accounts last 12 months…

U.S. Bank Gold Checking Package
We’re sorry. We’re unable to take your application at this time.

Thank you for your interest in an account with U.S. Bank. Based on the information you provided us, we are unable to grant your request for a deposit account at this time.

Thank you for considering U.S. Bank as your financial services provider. If you need further assistance, please visit a U.S. Bank branch location

Eli
Eli

From what I understand, you can not open a bank accout if you live in a state where there are no actual branches in. NJ has not US Bank.

Gmoney
Gmoney

Any idea what your Vantage 3.0 score was? I’m trying to figure out a min score to apply for my SO.

SS
SS

North of 805 per a few monitoring services

Joe
Joe

Denied…

Opened 4 new accounts in last 6 months

Gil
Gil

How far is the closest branch to your address?

Ronnie
Ronnie

“Your Application is being reviewed”…Opened 6 accounts in past six months.

Stack101
Stack101

Looks like they are not that Chex sensitive, people are automatically denied due to geographical reason and they don’t have any other US Bank product like CC, mortgage… I will give it a try in July despite no branch and ATM found in NY, but I do have Cash+ CC opened in May this year (last transaction posted few days ago and $100 spend bonus is pending next day), I am waiting for Barclays’ Commence card Bonus cash back to start in July.

Ad
Ad

Instead of doing direct deposit and finding a way to do it..can’t you
just use bill pay and make two $25 payments to one of your credit cards?
Wouldn’t that qualify?

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