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Bank BonusBankingExpired
Business CheckingNationwideNo Direct DepositExpired

U.S. Bank adds $200 savings bonus

By Alex Compton · Updated

U.S. Bank has a $200 savings bonus that belongs on the bank-bonus watchlist. This should still be checked against the current account terms before anyone opens an account.

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At a Glance

Maximum Bonus Amount
$200
Account Type
Business Checking
Funding Requirement
$200 within 30 days of opening
Availability
Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
Direct Deposit Required
None
Additional Requirements
See below
Hard/Soft Pull
Soft Pull
ChexSystems
Mixed data points
Credit Card Funding
Can fund up to $3,000 with a credit card
Monthly Fees
$5, avoidable
Early Account Termination Fee
None
Household Limit
None
Expiration Date
January 14, 2026

Who Should Care

This is relevant for readers who can open savings accounts in the eligible footprint and are comfortable tracking account-opening requirements, monthly fees and bonus timelines.

Terms To Verify

Bank bonuses can turn on small details. The public card should not be treated as final until the account page and bonus disclosure match the expected terms.

  • Required account activity
  • Eligible states or membership rules
  • Direct deposit, debit-card, balance or funding requirements
  • Monthly fee waiver requirements
  • Bonus posting timeline and early-account-closure fee
  • Whether prior account holders are excluded

Before You Act

  1. 1Confirm the bonus amount on the bank application page.
  2. 2Screenshot or save the bonus terms before applying.
  3. 3Calendar the requirement window and expected payout month.
  4. 4Avoid opening if fees or deposit rules make the bonus uneconomic.
U.S. Bank adds $200 savings bonus | Credit Compound