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

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. After that, waive by having combined monthly direct deposits totaling $1,500 or more; or keeping a minimum average account balance of $1,500 or more; or being an owner on a U.S. Bank Smartly Visa Signature Card; or owner of an eligible U.S. Bank small business checking account; or qualifying for Smart Rewards Gold Tier or higher. Also waived for certain groups including ages 13-24, age 65+, military, Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, and eligible State Farm Alliance customers.

Details

Open a new U.S. Bank Smartly Checking account by June 18, 2026, fund it with at least $25 within 30 days, enroll in mobile or online banking within 90 days, and complete at least two qualifying direct deposits within 90 days. Earn $250 for total direct deposits of $2,000-$4,999.99, $350 for $5,000-$7,999.99, or $450 for $8,000 or more. Bonus posts within 30 days after completing requirements.

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 Bank · 159

Chase · 137

Fidelity · 88

Discover · 72

Charles Schwab · 66

Capital One · 55

SoFi · 29

Marcus by Goldman Sachs · 17

Last updated: March 3, 2026