Published on September 3rd, 2018 | by William Charles

[Expired] [YMMV] U.S. Bank $200 In-Branch Checking Bonus – Direct Deposit Not Required

Deal has now expired, view the best current checking bonuses here.

It seems like this is available at in branch locations inside of grocery stores. Unfortunately doesn’t seem like there is any way to just search for just grocery store locations. That being said when you do a search, it does say the grocery store name in the title. I’m reposting as some people will have given this deal a miss due not knowing if a particular branch is eligible. If you go to a grocery store location and they don’t have this deal then let us know.

Offer at a glance

Maximum bonus amount: $200
Availability: SelectIn branch locations only [Branch locations | Map]. They have branches in AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NM, NV, OH, OR, SD, TN, TX, UT, WA, WI, WY
Direct deposit required: Not required
Additional requirements: $50 in debit card transactions per month
Hard/soft pull: Soft
ChexSystems: Mixed data points
Credit card funding: None
Monthly fees: $10.95-$12.95, waivable
Early account termination fee: None
Household limit: None mentioned
Expiration date: September 10th, 2018

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
- 3.1 Monthly Fees
- 3.2 Early Account Termination Fee
4 Our Verdict

The Offer

No direct link. Offer is available at some select U.S. Bank locations. Reader Jared found it in a grocery branch in Orange County.

Receive a bonus of $200 when you open a new U.S. Bank consumer checking account between August 24th and September 10th when you complete the following requirements:
- Receive $50 each month you spend $50 or more on your new Visa debit card (September, October, November & December)

The Fine Print

Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. bank checking account account in the last six months or received other U.S. Bank bonus offers within the past twelve months
Offer is not available to accounts opened through usbank.com or 24 hour banking
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly 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. Many of us have a U.S. Bank personal credit card like Altitude, Flexperks, or Cash+ which would work to keep the account fee-free. Having a personal loan gets the fee waived as well.

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. Another option is to get the Gold account and get the fee waived if you have a good credit score and join the Because You’ve Earned It program.

Early Account Termination Fee

These accounts have no early account termination fee

Our Verdict

This is a great bonus, the problem is that it’s not available online and it’s not even available at most U.S. Bank locations. I suspect the vast majority won’t have this offer, as has been the case with other U.S. Bank in branch checking bonuses. I guess if you’re near a branch it’s worth a look. If you go to a branch, let us know if it did/didn’t have the offer. I won’t be adding this to the best checking bonuses until we know more about the availability of the offer.

Big thanks to reader, Jared who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

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Parrothead

Any idea on what credit score qualifies for the because you earned you it?

Parts Unknown

They use TU Vantage Score 3.0 to make the determination, which is the same as your CK. I qualified for the Because You Earned it with a 769. I’ll hit a couple of grocery locations in the next week & see if there’s a bonus in the PHX area.

Toad

I just called in to get my account enrolled. An off the cuff remark the CSR made (this was the first time she had done it) was that you need a score of 740 or above for eligibility. I suspect this was something that popped up on her screen to give her the information as it was not in any of the disclosures she read and I can’t find that on the website. So looks like 740 is the cutoff on the Because You’ve Earned It program.

Parrothead

Some states like SC and NC are mentioned in the article but don’t have locations (only an ATM)

William Charles

Thanks, removing these

Jeremy K

When did US Bank start adding the 12 month language? 🙁

William Charles

Awhile ago

The US Bank inside the Vons store at 561 N Glendale Ave in Glendale, CA definitely has the offer!

William Charles

Looks like it might be for those stores inside grocery stores?

Toad

Seems that way in the Midwest as well. I can confirm US Bank branches in Schnucks (grocery) have this offer. Only checked one, but I suspect all will have it. Didn’t check the standalone banks.

Jason_08

I opened mine at a regular Branch (06/26/18), not in a Grocery Store Branch. Verified with the US Bank Employee doing my account that I was able to open it with the bonus. Got my bonus on Aug 08.

This was in Las Vegas, NV

Edit: Just realized this also has the $50/mo bonus, which wasn’t the one I signed up for. So maybe my DP might not be helpful, sorry

john m

12 month rule sucks.

T$C on pink flayer little different from yours (Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. bank checking account account in the last twelve months or received other U.S. Bank bonus offers within the past twelve months) 6 month for any USBank checking and 12 month for any USBank bonus

Sean

The US Bank inside Albertson’s in Fullerton (2291 W Malvern Ave, Fullerton, CA 92833) has the offer. Just opened a checking account with the bonus offer at that location!

Radu Botnari

thank you for sharing! will go there..

AlarmingConsequence

Does anyone have a DP which confirms that the REI credit card from US Bank waives the bank fee?

“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”

Nathan Ponder

It’s just part of the pricing structure for Gold accounts, not tied to this particular bonus. https://www.usbank.com/bank-accounts/checking-accounts/gold-checking-account.html

And yes, I have the REI card and it worked summer 2017 to waive the Gold fee for a similar $200 bonus.

AlarmingConsequence

Thanks!

Dan - Legal Bank Robber

The 1940 Lee Road, Cleveland Heights OH supermarket branch has this offer.

Dan - Legal Bank Robber

Anyone have any clue whether or not using the debit card through Venmo would count towards purchases?

El Loco

Any in-branch offer in Chicago?

Dan - Legal Bank Robber

Just search for your nearest supermarket branch and give them a call they will be happy to tell you over the phone.

Tom

Debating whether to try for this one or not … I closed a chkg account with US Bank in early February, and got a bonus from them in July 2017. So technically I meet the requirements — but only barely!

Curious whether anyone else has had experiences getting multiple bonuses from US Bank over the years.

Dan - Legal Bank Robber

You’re good to go!

Mandingo1

I’m also cutting it razor close. Received US Bank checking bonus 9/8/17 and closed account 11/10/17. Debating whether I would qualify for this offer if I apply on last day 9/10/18.

Gus g

So you get another $200 total if you spend $50 each month Sept,Oct,Nov,Dec is this correct?

Dan - Legal Bank Robber

Im not sure what you mean by another $200 total. The bonus is satisfied by spending $50 in each month. It is possible to get $50, $100, $150 or the whole $200 depending on which months you meet the requirements on. But the max is $200. The bonus is deposited in $50 increments after the month has passed.

Dan - Legal Bank Robber

“Easy Checking” actually qualifies for this bonus too this how you avoid fees “Combined monthly direct deposits totaling $1000+
– or –
Average account balance of $1,500”
$8.95 or $6.95 w/ estatements. Looks like you called this “Silver Checking”

raekwon

The “Silver” package is identical to the “Easy” package, with the addition of an attached savings account.

dave

Just did this deal at a Vons. they have BRIGHT green posters up “ask why we like the number 200!!” It’s easy to look up in branch US bank stores on google maps. just search US bank and Albertsons OR Vons together in the query field. thanks doc!!

kirk

i received last bonus on 9/08/17 (closed 10/07/17). i guess i have 9/10 monday, the very last day to try and apply. google map shows a savemart and a smith’s store that has branch inside 45 minutes away. hmm still debating as i only have 1 day window to app. O.o

dave

you should be good with 1 day window. i’m sure they’d let you know if you didnt qualify for the bonus or call ahead. they’re pretty nice

Essaysnark

Definitely a grocery branch promo. SF and Mill Valley branches don’t have it but the Novato Safeway branch has it. There’s also an El Cerrito Safeway branch for those of you in the Bay Area.

Alex

Did this in Kroger in Columbus Ohio.

[Expired] [YMMV] U.S. Bank $200 In-Branch Checking Bonus – Direct Deposit Not Required

The Offer

The Fine Print