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US Bank

Smartly Checking Bonus

$450

bonus value

$450 when you open a US Bank Smartly Checking account and receive $2,000+ in qualifying direct deposits within 60 days.

Expires: Sep 8, 2026

Requirements

1

Open US Bank Smartly Checking

Must be a new US Bank checking customer — $25 minimum opening deposit within 60 days

2

Receive $2,000+ in qualifying direct deposits

Total within 60 days of account opening

3

Enroll in online or mobile banking

Required to qualify for bonus

4

Keep account open

Maintain for at least 6 months

Details

Minimum Deposit$25
Monthly Fee$12
Fee Waiver$1,500+ monthly direct deposit, $1,500 average balance, or other qualifying criteria
Keep Open6 months min
Cooldown Period12 months
Direct DepositRequired

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Terms & Conditions

Must be a new US Bank checking customer. Initial $25 deposit required within 60 days. Must receive $2,000+ in qualifying direct deposits from an employer or government agency via ACH within 60 days. Must enroll in online banking or mobile app. Bonus paid within 60 days of meeting requirements. Account must remain open for 6 months. Monthly fee of $12 waived with $1,500+ monthly direct deposit, $1,500 average balance, or other qualifying criteria. Soft pull. Can fund up to $250 via credit card. Available nationwide within U.S. Bank footprint. 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