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US Bank

Smartly Checking Bonus

Up to

$450

bonus value

Up to $450 when you open a US Bank Smartly Checking account and make 2+ qualifying direct deposits within 90 days. $250 for $3,000+, $350 for $5,000+, or $450 for $8,000+ in total deposits.

Expires: Jun 18, 2026

Bonus Tiers

Deposit / RequirementBonus
$3,000–$4,999 in direct deposits$250
$5,000–$7,999 in direct deposits$350
$8,000+ in direct deposits$450

Requirements

1

Open US Bank Smartly Checking

Must be new US Bank checking customer

2

Complete 2+ direct deposits

Totaling $3,000+ for $250, $5,000+ for $350, or $8,000+ for $450 within 90 days

3

Keep account open

Maintain for at least 6 months

Details

Minimum Deposit$25
Monthly Fee$12
Fee Waiver$1,500 daily balance, $1,500+ monthly direct deposit, or Gold/Platinum status
Keep Open6 months min
Cooldown Period12 months
Direct DepositRequired

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Terms & Conditions

Must be a new US Bank checking customer. Two or more qualifying direct deposits from employer or government agency via ACH required within 90 days. Tiered bonus: $250 for $3,000-$4,999, $350 for $5,000-$7,999, $450 for $8,000+. Bonus paid within 60 days of meeting requirements. Account must remain open for 6 months. Monthly fee of $12 waived with $1,500 daily balance, $1,500+ monthly direct deposit, or Gold/Platinum status. Soft pull. Can fund up to $250 via credit card. Available nationwide except NY and FL. Bonus reported on Form 1099-INT.

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Bonus Calculator

1 mo6 months24 mo
Bonus+$450
Net Value$450
Effective APY3600.0%

Based on $25 deposit for 6 months

Eligible AgainAfter 12 months