【2020.7 更新】现在 checking 送 $300, saving 送 $50,算是比较不错的 offer 了。开户奖励的要求稍有更新,详见下面分析

关于 US Bank 银行

US Bank 为个人,企业,政府实体和其他金融机构提供银行,投资,抵押,信托和支付服务产品。它主要在美国西部和中西部拥有 3,106 个分支机构和 4,842 个 ATM。该公司还拥有 Elavon(为商户进行信用卡交易的处理器)和 Elan Financial Services(为向美国银行和其他金融机构发行信用卡产品的信用卡发行商)

他家一个特点就是有了 checking 或者 saving 后,申请信用卡会比较容易。而且像 Altitude Reserve 这种卡,还必须有 US Bank 的 product 才行。我用了几年,还觉得比较省心,有一个月由于没注意被收了月费,跟客服说了下还给免了,挺不错的。

US Bank Checking

开户奖励

现在申请 US BANK 的任意 Checking, Platinum、Gold、Easy Checking 都可以获取 $300 的开户奖励。

开户奖励要求如下:

  • 2020 年 8 月 31 日之前完成开户;
  • 60 天内完成 2 次或以上 Direct Deposit,总额 $2000 以上;
  • 设置 estatement,在 usbank 的 online banking 里面可以完成;
  • 申请时使用 code: 2020SUM

如果你不想或者没有工资可以完成 DD,可以选用下面一些非官方的途径转账(ACH)或者提现(Withdraw)来满足 $2000 的需求(来源:DOC)。步骤就是将 US BANK 添加为另一个银行的 external bank,然后发起转账。或者将 usbank 添加到投资或者 paypal 账户,直接 withdraw 钱就行。

  • ACH 转账:Chase、discover、amex serve
  • 投资账户:schwab、Fidelity、wealthfront
  • 其他:paypal

开户要求

  • 必须在有 US Bank Branch 的州才能网上开户。
  • Checking 在开户时至少存入 $25

你在申请过程中可以填写信用卡用来支付 initial deposite,最高 $50。根据 DOC 的汇总,大部分的 AMEX、Chase、Barclays、Citi 卡都不算 Cash Advance,如果你有所担心,可以用银行账户支付 initial deeposite。

如果你不是美国公民也可以网上开户,可能需要提供额外的材料。比如驾照/Statee ID、学生签证、护照、信用卡账单等等。之前开户的时候,有专门的客服打电话给你,要求你回复指定的材料。

Dear xxx

Thank you for your application for a new U.S. Bank account.

Upon review of your application, it has been determined that we are in need of further identifiable information and are requesting a copy of your Driver’s License/State ID and one of the following Resident Alien card, Work Visa , Student Visa or Work Authorization card.   Please make sure you send over front and back of the requested documentation .  Please email or fax the copies to my attention at 1-877-691-8492 (if you could please enlarge and lighten the copy so that it might be transmitted clearly it would be appreciated).

*We may require verification of your current address if your Driver’s License/State ID does not have the same current address as the application then I will need additional address verification  in the form of a recent utility bill, pay stub, cable bill, cell phone bill , mortgage/credit card, statement from another bank.  Please fax or email the full page of the statement.

Once received, we will  proceed processing your application.  Please feel free to contact me with any questions or concerns.

Please note, this information must be received in order to proceed with your request for a new account.
If we do not receive your information within 30 days we will consider your application withdrawn.

功能

Platinum、Gold、Easy Checking 基本差不多。如果你拿他当网上银行,不去 ATM 取钱,平时很少用支票的话,其实区别很小。

费用

Easy Checking: $6.95 月费,做到以下三条任意一条就可以免除

  • 每月有总共 $1000 或以上 Direct Deposit
  • 账户中平均余额 $1500
  •  65 岁或以上

Gold Checking: $14.95 月费,满足下面两条中任意一条可以免除

Platinum Checking: $24.95 月费,满足下面两条中任意一条可以免除

  • $25,000 in combined personal deposits, credit balances with U.S. Bank and/or investments* through U.S. Bancorp Investments.
  • A personal trust relationship with U.S. Bank Wealth Management

另外这三个 checking 都没有 early termination fee,意味着理论上你拿到开户奖励,就可以关户了。。

US Bank Saving

现在 Saving 也有 $50 的开户奖励了,如果你开 checking,顺便开一个也挺不错的。

开户奖励要求如下:

  • 2020 年 8 月 31 日之前完成开户;
  • 2020 年 9 月 8 日之前,存入 $2000 以上,保持 $2000+直到 11 月 30 日;
  • 申请时使用 code: 2020SUM

我的点评

上面提到过三个 checking 功能相差不多,如果你有 usbank 的信用卡,就直接申请 gold checking,如果没有的话,申请 easy checking 就够用了。

如果你对其他的开户奖励感兴趣,可以考虑下面几个 offer

Checking 账户的开户奖励是需要报税的,银行会在第二年发送 1099INT,按照利息报即可。

申请链接