DOC Compass — Offers, decoded

Deal has ended, view more bank account bonuses by clicking here.

Update 6/14/26: Deal is back until September 19, 2026. Deal is much better than before as it only requires a $500 balance instead of $15,000.

Update 2/28/26: Deal is back, this time for $304. Valid until April 30, 2026.

Update 10/4/25: Deal is back until December 31, 2025. Hat tip to reader Avi

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:
- - Make one direct deposit +$100
  - Open a USB debit card and make 10 purchases +$150
  - Open Essential Savings Account +$150 Keep $500 avg. 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.