U.S. Bank Smartly™ Checking up to $600 Bonus

U.S. Bank is offering up to a $600 bonus for opening a new Smartly™ checking account.

Like previous offers, this offer is tiered; however, there's a new third tier for high income individuals. The greater your direct deposit, the more you can earn. The threshold is very steep, at $10,000 to earn the full bonus, but if you have the income, this is an easy bonus. You'll have 90 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.

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.

How To Earn The Bonus

The U.S. Bank Smartly™ Checking promotion requires you to set up direct deposits in order to earn the $600 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 90 days, be enrolled in online banking or the U.S. Bank mobile app.
3. Within the same 90 days, complete 2 or more recurring direct deposits of $3,000 - $5,999.99 to earn $200; $6,000 - $9,999.99 to earn $400; or $10,000+ to earn $600.
4. Bonus will be deposited into your new account within 60 days of meeting requirements.

Open an U.S. Bank Smartly™ Checking account before the bonus expires on April 11, 2023

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

14 days

Requires

• Min Balance

Full Details

Fifth Third Bank

Personal Checking

Bonus

$275

Account Type

Personal Checking

Expires In

101 days

Requires

• Direct Deposit

Full Details

Upgrade

Rewards Checking

Bonus

$200

Account Type

Personal Checking

Expires In

Limited Time

Requires

• Card Spend

Full Details

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.

Learn more in our U.S. Bank review

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.

Apply now for an U.S. Bank Smartly™ Checking account to earn the $600 bonus offer

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: