欢迎加入「美国信用卡攻略」知识星球文末有二维码入口。
【2022.5更新】现在的开户奖励是$400开户奖励（申请截止6月13日），是次史高了，建议申请Gold账户，Gold账户持有信用卡即可免月费。
US Bank现在三种Checking（Platinum、Gold、easy）的开户奖励如下：
奖励仅针对新用户，NY、FL的住民无法申请（有relationship的除外）
。此外，需要满足如下要求（Churn账户难度增加了）：
-
不能持有任何 US Bank Checking 账户
-
24 个月内没有 US Bank Checking账户
-
24 个月内没拿过 Checking 的开户奖励
奖励具体要求如下：
- 需要使用code 2022MAY【自动的】
- 有两档奖励，具体为：Earn $200 when your direct deposits total $2,500 to $4,999.99Earn $400 when your direct deposits total $5,000 or more.
以下方法都可以：
1、复制链接前往
2、扫描二维码
3、阅读原文（Read more）
点击后，看到的是如下界面，再点击Apply Now即可（Code自动显示的）。
- 支持SSN、ITIN申请
- 手机支持VoIP类，如Google Voice等
- 不支持NRA线上开户，但是银行并不严格执行此政策。
- 建议线上申请需要使用美国原生态IP
- 奖励会发1099-int税表（RA）或者1042-S（NRA），这两张税表对身份都没有要求，可以正常报税。
- 申请后需要选择借记卡，借记卡有13种可免可供选择
US Bank Checking月费避免的要求如下：
4.1 Easy Checking（$6.95）
-
每月平均余额维持在至少 $1,500，
-
或者每月至少 $1,000 的 Direct deposit (DD)
-
或者户主年满$65周岁
4.2 Gold Checking（$14.95）
-
持有一张US Bank的信用卡
4.3 Platinum Checking（$24.95）
- $25,000 in combined personal deposits, credit balances with U.S. Bank and/or investments through U.S. Bancorp Investments OR
- A personal trust relationship with U.S. Bank Wealth Management
- U.S. military, both former and active, can get the platinum checking without the monthly fee
如果你持有US Bank的信用卡或者即将持卡，建议申请Gold账户。假设你只是想申请一个Checking，那就申请easy checking吧！
US Bank没有提早关闭费用，你可以拿到奖励后随时关闭。
US Bank个人银行账户主要有如下几种：
https://www.usbank.com/bank-accounts/checking-accounts/compare-checking-accounts.html
- Easy Checking
- Gold Checking
- Platinum Checking
存款账户：
- Standard Savings
持有US Bank最大的好处是，申请US Bank的信用卡，通过率会大大增加。但是如果你所有州线下没有Branch（目前就NY、FL），US Bank也不支持你线上申请，除非你跟US Bank有relationship（信用卡、投资账户、各类联名账户）。
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