[CT only] Union Savings Bank $300 Checking + Savings Bonus

Offer at a glance

• Maximum bonus amount: $300
• Availability: You must be a CT resident, or current USB customer, to apply online. If not CT resident, must apply in-branch.
• Direct deposit required: Yes, no minimum specified and can get some of the bonus without a direct deposit. 
• Additional requirements: None
• Hard/soft pull: Soft pull
• ChexSystems: Unknown, Sensitive when applying online, not sensitive in branch
• Credit card funding: None
• Monthly fees: Avoidable
• Early account termination fee: None 
• Household limit: One
• Expiration date: September 13, 2025

The Offer

Direct link to offer

• Union Savings Bank is offering $150-$300 bonus when you open a new checking account and complete the following requirements:
  • $300 when you open access checking
    • $150 if you make one direct deposit
    • $150 when you open an Access Savings account and keep a $15,000 average balance for 60 days
  • $150 when you open essential checking
    • Get $50 if you make one direct deposit
    • Get $50 when you open a USB Debit Card and make 10 debit card purchases
    • Get $50 when you open an Essential Savings account and keep a $500 average balance for 60 days

The Fine Print

• To receive up to $150.00 bonus, open a new Essential Checking account (subject to approval) as the primary account holder and deposit $25 or more at account opening; or open a new Core Checking account (subject to approval) as the primary account holder and deposit $10 or more at account opening. Get $50.00 if you make one qualifying direct deposit within 60 days of opening the account; and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $50 when you open an Essential Savings Account as the primary account holder at the same time as the checking account, and maintain a $500 average balance or more for 60 days from the date of account opening. New USB savings customers only.

   

• To receive up to $300.00 bonus, open a new Access Checking account (subject to approval) as the primary account holder and deposit $50 or more at account opening. Get $150.00 if you make one qualifying direct deposit within 60 days of opening the account. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $150.00 when you open a companion Access Savings account as the primary account holder at the same time as the checking account and maintain an average balance of $15,000 or more for 60 days from the date of account opening. New USB savings customers only.

   

• Offer is valid from June 15, 2025, through September 13, 2025. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between September 1, 2025, and December 31, 2025, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank are not eligible.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

• Essential checking has no monthly fees
• Access checking has a $20 monthly fee, waived with any of the following:
  • Maintain a minimum balance of $5,000 OR
  • Maintain combined deposit balances of $25,000, OR
  • Maintain combined deposit and loan balances of $50,000. Loan balances include consumer and residential mortgage loans.

Early Account Termination Fee

I wasn’t able to find any mention of an early account termination fee.

Our Verdict

Previously this was $300/$600 so I don’t think this much smaller bonus is worth considering and won’t be adding it to our best bank account bonuses. 

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• Introduction To ChexSystems
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