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Out of state US Bank Checking Account

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New Contributor

Out of state US Bank Checking Account

Does anyone know if you can get apply and score a checking account with US bank if you live in a state without a branch? I'm in NY. 

I'm trying to build relationship with them so I can get to Cash+ offer. 

Message 1 of 13
12 REPLIES 12
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Mega Contributor

Re: Out of state US Bank Checking Account


@followgreatness wrote:

Does anyone know if you can get apply and score a checking account with US bank if you live in a state without a branch? I'm in NY. 

I'm trying to build relationship with them so I can get to Cash+ offer. 


@followgreatness  You should be able to do it online?

But I would call them to confirm this.

 

Contact Information

Online & Mobile Customer Service
800-US-BANKS (800-872-2657)

Message 2 of 13
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Established Contributor

Re: Out of state US Bank Checking Account


@followgreatness wrote:

Does anyone know if you can get apply and score a checking account with US bank if you live in a state without a branch? I'm in NY. 

I'm trying to build relationship with them so I can get to Cash+ offer. 


I tried this route after I was declined for CC and I was declined for a savings account as well.  Smiley Mad

 

First time in my life I have not been approved for a savings account. 




Potential Future Cards


Message 3 of 13
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Mega Contributor

Re: Out of state US Bank Checking Account

If my memory serves me correctly, I think you freeze "SageStream"  before applying for a US Bank account.

Message 4 of 13
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Moderator

Re: Out of state US Bank Checking Account


@followgreatness wrote:

Does anyone know if you can get apply and score a checking account with US bank if you live in a state without a branch? I'm in NY. 

I'm trying to build relationship with them so I can get to Cash+ offer. 


You cannot. You have to live in a state where they have physical presence or travel to one. 

Message 5 of 13
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Super Contributor

Re: Out of state US Bank Checking Account

I live in NH and there is no US Bank branch here. I was able to open US Bank  Credit Card and  Savings and Checking accounts. So you can apply remotely online and open the accounts with US Bank. One thing you want to read there is a monthly fee on checking account that could be waived if you have a credit card with them. There are other criteria for getting the fee waived. Check on their website.

As of 1/5/2020 - EQ 576 / TU 600 / EX 566
As of 4/25/2020 - EQ 611 / TU 628 / EX 592
Message 6 of 13
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Mega Contributor

Re: Out of state US Bank Checking Account


@concorduser wrote:

I live in NH and there is no US Bank branch here. I was able to open US Bank  Credit Card and  Savings and Checking accounts. So you can apply remotely online and open the accounts with US Bank. One thing you want to read there is a monthly fee on checking account that could be waived if you have a credit card with them. There are other criteria for getting the fee waived. Check on their website.


Thanks, I could have swore I had read someone or two that opened a US Bank Acct(s) that was outside their area.

I believe the FREE checking with a CC is called "Gold Checking". 

Message 7 of 13
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Regular Contributor

Re: Out of state US Bank Checking Account

I live in Florida and was told a firm no.  

Message 8 of 13
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Super Contributor

Re: Out of state US Bank Checking Account


@eastsea wrote:

I live in Florida and was told a firm no.  


What did you try to open and how did you approach them. I applied for Secured Card and it was approved, I applied for Checking and Savings account and they all approved. I did every thing online and did not have to talk to any CSR. About a month ago, I applied for and got a second secured card. ( US Bank graduates their secured card. That is the reason I opened a second secured card with them. )

As of 1/5/2020 - EQ 576 / TU 600 / EX 566
As of 4/25/2020 - EQ 611 / TU 628 / EX 592
Message 9 of 13
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Community Leader
Super Contributor

Re: Out of state US Bank Checking Account

I opened credit card first and then bank account later.

Closest branch to me is 281 miles away in another state.

 

With Sagestream frozen, it did take me longer to secure bank account.

They wanted me to unfreeze it at the beginning. I never did.

 

I'd say after 90 days with the CC and then apply again for gold checking account. Approved instantly no unfreezing Sagestream necessary.

Message 10 of 13
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