U.S. Bank Smartly™ Checking $300 Bonus

U.S. Bank logo

U.S. Bank : U.S. Bank Smartly™ Checking

$300

Offer Expires In

How To Earn The Bonus

  1. Open a new U.S. Bank Smartly™ checking account from U.S. Bank, member FDIC.
  2. Within 60 days, be enrolled in online banking or the U.S. Bank mobile app.
  3. Within the same 60 days, complete recurring direct deposits of 2 or more that total $5,000+ to earn $300.
  4. Bonus will be deposited into your new account within 60 days of meeting requirements.

Available in Your Area?

No

Monthly Fees?

Yes

Open Online?

Yes

Credit Pull?

Unknown

U.S. Bank logo

Apply Now

at U.S. Bank

U.S. Bank is offering a $300 bonus for opening a new Smartly™ checking account. Never heard of the Smartly™ checking account? That's because U.S. Bank recently revamped their product lineup! This new account simplifies their personal checking lineup by replacing U.S. Bank's previous Platinum, Gold, and Easy Checking accounts.

Unlike their previous offer, which was tiered, this offer comes with a single $300 when you have qualifying direct deposits of at least $5,000. You'll have 60 days to reach this target, but keep in mind that unlike some banks that let you hit the bonus in a single transaction, U.S. Bank requires at least two direct deposits to qualify for this promotion.

These requirements are slightly higher than previous offers from U.S. Bank for this amount. All-in-all, we consider this bonus from U.S. Bank to be quite solid. If you qualify, it's one of the highest offers available right now – especially considering you don't have to tie up any funds.

How To Earn The Bonus

The U.S. Bank Smartly™ Checking promotion requires you to set up direct deposits in order to earn the $300 bonus.

Full requirements to receive this bonus are:

  1. Open a new U.S. Bank Smartly™ checking account from U.S. Bank, member FDIC.
  2. Within 60 days, be enrolled in online banking or the U.S. Bank mobile app.
  3. Within the same 60 days, complete recurring direct deposits of 2 or more that total $5,000+ to earn $300.
  4. Bonus will be deposited into your new account within 60 days of meeting requirements.

The fine print

  • A minimum deposit of $25 is required to open a U.S. Bank checking account.
  • Offer is not valid if you or any signer on the account have an existing U.S. Bank consumer checking account or had one in the last 24 months.
  • Those who have received other U.S. Bank checking bonus offers within the past 24 months are also not eligible for this bonus.
  • Account must be open and in good standing to earn the reward.
  • Offer subject to certain terms and limitations.
  • Available in select U.S. markets: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,NM,NC,ND,OH,OR,SD,TN,UT,WA,WI,WY

How does this personal checking offer from U.S. Bank compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

Citi®

Citi Priority Account

Bonus
up to $2000
Account Type
Personal Checking
Expires In
36 days
Requires
  • Min Balance

Chase

Chase Total Checking®

Bonus
$200
Account Type
Personal Checking
Expires In
52 days
Requires
  • Direct Deposit

Upgrade

Rewards Checking

Bonus
$200
Account Type
Personal Checking
Expires In
Limited Time
Requires
  • Card Spend

Why U.S. Bank?

U.S. Bank is the consumer banking division of U.S. Bancorp, which is the fifth-largest banking institution in the United States.

The bank traces its history back to 1863 when it was first opened as the First National Bank of Cincinnati. Following a series of mergers and acquisitions in the early 2000s, U.S. Bank officially established its headquarters in Minneapolis, Minnesota, and now operates more than 2,200 physical branches across the Midwest and Western U.S.

U.S. Bank offers a wide range of both personal and small business accounts, and they often offer new customers generous promotions in exchange for opening a new U.S. Bank account.

U.S. Bank Smartly™ Checking

Get a checking account that empowers you to Bank Smartly™.

Put U.S. Bank’s new checking product to work for you with:

  • No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
  • Access to U.S. Bank Smart Rewards™ for additional benefits
  • No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs
  • Manage cash easily with automated budgeting and ways to save in a their mobile app

Fees

U.S. Bank Smartly™ Checking does charge a monthly fee of $6.95, but there are ways to get this waived:

  • Have a combined monthly direct deposit totaling $1,000+.
  • OR, Maintain an average account balance of $1,500 or greater.
  • OR, Have an eligible U.S. Bank credit card.
  • OR, qualify for one of the four Smart Rewards™ tiers.
  • OR, Be an active member of the U.S. Military.
  • OR, Be age 24 or younger.
  • OR, Be age 65 or older.

U.S. Bank Locations

You may sometimes be required to visit a branch in-person to take advantage of a welcome offer. Or, you may just prefer the convenience of banking with institutions that have locations near you.

Fortunately, U.S. Bank has a total of 2257 branches in the United States.

Get a better idea of how well U.S. Bank can serve you by checking out their branches closest to your area:

1512 Ogden Avenue
Downers Grove, IL 60515

Directions

1702 Eastland Drive
Bloomington, IL 61704

Directions

1071 Grand Avenue
Saint Paul, MN 55105

Directions

4000 West Broadway
Robbinsdale, MN 55422

Directions

1000 Payne Avenue
Saint Paul, MN 55130

Directions

9800 15th Avenue, S.W.
Seattle, WA 98106

Directions

8780 Horton Highway
College Grove, TN 37046

Directions

203 South 2nd Avenue
Rock Rapids, IA 51246

Directions

4100 West 50th Street
Edina, MN 55424

Directions

25 East Washington Street
Chicago, IL 60602

Directions

12579 Main Street
Martin, KY 41649

Directions

214 South Spring Street
Hermitage, MO 65668

Directions