Checking Account

U.S. Bank

U.S. Bank Smartly Checking up to $450 bonus

$450bonus

Time to Complete

90 days

Requirements

Direct Deposit Required

Set up recurring direct deposits to your account

Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening.

Bonus Timeline

Bonus Posts Within30 days after meeting requirements
Direct Deposit Amount$2,000/mo
Monthly RequirementsEnroll in the U.S. Bank Mobile App or online banking within 90 days of account opening.

Fine Print

Credit PullSoft Pull
ChexSystemsPulls Chex — Unknown
Early Warning ServicesPulls EWS — Unknown
Accepts CC FundingYes
CC Funding$250
Household LimitLimit one checking bonus per eligible account.
New Customers OnlyYes — no account in last 12 months

Fees & Terms

Monthly Fee$12.00
Fee WaiverWaived for the first 2 statement periods. Ongoing waiver options include combined monthly direct deposits of $1,500 or more, minimum average account balance of $1,500 or more, owner on a U.S. Bank Smartly Visa Signature Card, owner of an eligible U.S. Bank small business checking account, qualifying for Smart Rewards Gold tier or higher, military, Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or 65+, or eligible State Farm Alliance credit card ownership.

Details

Open a new U.S. Bank Smartly Checking account by September 8, 2026, fund it with at least $25 within 60 days, enroll in the U.S. Bank Mobile App or online banking within 90 days, and complete at least two qualifying direct deposits within 90 days totaling $2,000-$4,999.99 for $250, $5,000-$7,999.99 for $350, or $8,000+ for $450. Must not have had a U.S. Bank consumer checking account or received a consumer checking bonus in the past 12 months.

Availability

Nationwide

Qualifying Direct Deposits

ACH pushes from these financial institutions have qualified as a direct deposit at U.S. Bank. Counts are community-confirmed data points.

Ally · 160
Chase · 137
Fidelity · 91
Discover · 74
Charles Schwab · 68
Capital One · 57
SoFi · 29
Marcus by Goldman Sachs · 17

Last updated: June 27, 2026