U.S. Bank Smartly® Checking up to $800 Bonus

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U.S. Bank : U.S. Bank Smartly® Checking

up to $800

3.3

BankBonus.com score

Availability

Ease

Amount

Fees

Expert Take

This bonus is split into two parts: a checking bonus and a savings offer. The checking promo is a solid amount and, although the direct deposit requirement is on the higher end, it's doable given the 90 day window. We're passing on the savings bonus, however, because of the low APY of the Standard Savings account. Your cash will earn more in any HYSA.

Offer Expires In

How To Earn The Bonus

  1. Earn up to $800 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account online and complete qualifying activities. Subject to certain terms and limitations. Offer valid through March 12, 2024. Member FDIC.
  2. U.S. Bank Smartly® Checking bonus (up to $500): Open a new U.S. Bank Smartly® Checking account. Within 90 days, enroll in online banking or the U.S. Bank Mobile App AND Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
  3. U.S. Bank Standard Savings bonus (up to $300): Open a new Standard Savings account and make new money deposit(s) totaling $25,000 or more by March 31, 2024 AND Maintain that balance until June 30, 2024 to earn up to $300
  4. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Available in Your Area?

No

Monthly Fees?

Varies

Open Online?

Yes

Credit Pull?

Unknown

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at U.S. Bank

U.S. Bank is offering up to an $800 bonus for opening a new U.S. Bank Smartly® Checking and Standard Savings account. This is back towards the high end of bonuses we've seen from U.S. Bank. This is a multipart bonus, meaning the more activities you complete, the more you can earn.

The direct deposit threshold for the checking bonus is average, at a minimum $3,000 to earn a checking 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.

The second part of the bonus is for opening a Standard Savings account and maintaining a minimum balance. Again, be ready for very steep requirements with $25,000 being the minimum balance to earn this portion.

How To Earn The Bonus

The U.S. Bank Smartly® Checking promotion requires you to set up direct deposits, and optionally, deposit and maintain a minimum balance in order to earn the up to $800 bonus (step-by-step breakdown is listed above!).

As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.

The fine print

Please refer to the institution's website for any terms and conditions that may apply.

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®

Enhanced Direct Deposit

Bonus
$300
Account Type
Personal Checking
Expires In
139 days
Requires
  • Direct Deposit

TD Bank

Beyond Checking

Bonus
$300
Account Type
Personal Checking
Expires In
9 days
Requires
  • Direct Deposit

PNC

Virtual Wallet®

Bonus
up to $400
Account Type
Personal Checking
Expires In
9 days
Requires
  • Direct Deposit

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.

Standard Savings

Fees

Standard Savings does charge a monthly fee of $4, but there are ways to get this waived:

  • Maintain a daily balance of $300.
  • OR, have a $1,000 average monthly collected balance.
  • OR, be under age 18.

Share Your Thoughts or Questions

There have been 27 comments about the U.S. Bank Smartly® Checking up to $800 Bonus.

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Lee

December 5, 2023

I regularly use bankbonus.com to sign up for the many different types of bonuses that’s listed on their website, including this one. I just love the format and user friendliness of BankBonus. Keep up the great work!

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TOM CORDOVA

December 5, 2023

I called several times to check on the new account bonus. I believe with in the 90 days I called to make sure I did not miss any requirements and when to expect the bonus and told looks like I met all and should get after 90 days of opening the account? I called again and told should be with in 90 days of qualifing deposit. Called back and told it shows I had all qualifing requirements and should get within 60 days of the 90 days. Called back and told they would look into it, don't know why I have not got it and they would call me back. I called again told unknown, appears I made all requiorements, previous note has debit transactions ? but review promo and not a required listed. received first call back and told not a listed requiremnent but asked a lot of fishing type questions and given reasons for other denied reasons and aked if 5 months later still had mailer with promo. I said I would need to look but had and used the promo code on the mailer when opened the account, started online banking, got the mobile app and aranged direct deposits. She called back days later and said I failed to make the debit card use as required but not listed as a requirement. I requested phone transcripts and told did not know about them. Went to branch and requested I meat with someone for a few minutes to give them copys of the promo and previos and current promo with same code and ask for a review of my note and promos and get back to me at their leasure, no hurry. Ask how and to who I could request transcripts and told they didnot think they had any? I stated I had years of experience and why those kinds of things are kept and important incase of for instance of proving what was said in courtt and then told they could not talk to me because I talked of taking them to court and I pointed out I used that as a descriptive reference as to why we keep them and told I said the court word and they would not take my note or copys of their advertised promotions and they could not help me or advise as to who I could talk to. I had requested copys incase I missunderstood my previose calls for my own recolection but told they could not talk to me or give me direction, but they did take my cash deposit and did not offer to return it to me I guess because they could not talk to me anymore? How can they expect do buisness with someone they will not talk to anymore? The last call I made asking about a letter outline of why the bonus is void they said it showed I qhalifien and will probably get it 90 days after the 90 day window and does not show new account bonus status of fail. Every time I called told wait and see.

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Avraham Kranczer

November 17, 2023

I have struggled with U.S. Bank in the past with them not honoring the terms of their promotions. different customer service representatives have given different definitions of what new money is. One told me that it meant money not currently being stored in US Bank but another one said that a transfer from an external bank it’s not new money.

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Rebecca

November 17, 2023

I got a lower bonus of $300 in November 2021, with lower requirements. So, they've enriched the offer and made it more challenging. No issues with the process.

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Tom

November 16, 2023

Schwab Brokerage counted as direct deposit to get the bonus. Couple this bonus with a US Bank credit card bonus. I found it easier to get approved for the US Bank credit card while I have a checking account with them. Having the Altitude Go credit card will qualify you for no monthly checking account fees.

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Dane King

November 16, 2023

I did this offer it was very easy to do. I opened a U.S. Bank Smartly Checking and had 7,500 in direct deposits within 90 days to receive $450.00. Thanks to Bank Bonus for sharing the offer!

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Jake

November 16, 2023

USBank has excellent customer service if you ever need to work with them. As far as this bonus goes, my wife and I each used our direct deposit to get this bonus and it worked and they paid us within a couple weeks. I am looking forward to a time 24 months from now when they have a similar promotional offer and we can do it again!

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Lee

November 15, 2023

I have a brother who lives in Ohio, so I sent him this U.S. Bank Smartly Checking up to $450 bonus promotion information. Hopefully he will jump on this bonus offer ASAP!

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Rena dixon

November 14, 2023

I have done US bank for P2 in the past and it has always been a hassle! We have to call to get them to accept deposit, had to call to get access to account several calls .. it just takes to much time. But keep upping the bonus and it might be worth it! LOL

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Prashima Jain

November 14, 2023

I have used this site for a lot of bonuses and loved the format and user friendliness of the content

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Doug

November 14, 2023

One of the great things about US Bank bonuses is that you get the option to fund the accounts using a credit card. This allows you to meet min spend on a credit card bonus and/or earn cash back. Be sure to use a chase card for this, as other ones may treat the transaction as a cash advance. If you want to be really sure that you avoid a cash advance, call chase beforehand and have the rep set the cash advance limit to $1.

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Ankit Jain

November 14, 2023

You can do credit card funding of $3000 at the time of account opening. It will not take Amex but can use any business card

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Jon Snow

November 14, 2023

I was able to fund this account with an Amex credit card which is rare to be able to. Most banks that allow credit funding only allow Visa or Mastercard.

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Nicholas

November 15, 2023 Replying to Jon Snow

Did you have to pay a cash advance fee for this, or did it just count as a purchase? That's interesting that they take American Express.

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Jon Snow

November 18, 2023 Replying to Nicholas

It counted as a purchase. One of the rare banks where Amex works.

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Jan

November 14, 2023

I am definitely going to do this bonus when eligible. I can tell you that this bank does a chexsystems report pull. I do wish that all of these bank bonuses documented whether they pull of your reports, such as Credit, Chexsystems, EWS or others.

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JAMON

November 13, 2023

A straightforward and generous bonus program. I had some technical issues gaining access to my account which was frustrating, but it happens. Had to keep medium-sized balance in account to avoid monthly fee.

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Lee

November 11, 2023

I just LOVE this site! BANKBONUS provides very useful bonus earning information and allows me to learn about new bonus earning promotions constantly. Thanks for the great work done by the BANKBONUS team!

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Jon Snow

November 9, 2023

If you’re outside the footprint of U.S. Bank, you can open a self directed brokerage account online which will then allow you to do this promotion or any other promo at this bank.

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Wayne S

November 9, 2023

I opened this account up at the start of summer. The instructions and expectations were clear and concise. I deposited the minimum to avoid fees and set up direct deposit. I had $300 bonus in my account when it was all said and done.

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Jackie

November 7, 2023

This is one we are considering, perhaps next round tho. I like that banks offer similar bonus offers repeatedly so if you don't get into it this month, chances are likely you will the next time.

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Raki

November 5, 2023

Love this site! Use this useful site frequently to learn about new promotions. Thanks for the great offers!

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HENG LI

November 5, 2023

I would very much like to get this bonus but the direct deposit requirement is little high.

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Sophia Jensen

November 3, 2023

This looks like an awesome bonus! Totally going to look into this one!

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Mohammed Elkhatib

November 3, 2023

I am frequent hunter of bank bonuses and at this rate I might have already received a total of 5 bonuses from different banks this year alone. US Bank is a great bank with a super user friendly mobile application. Their application process is super smooth and intuitive. Moreover, after I opened the bank account, an employee from a local branch around my neighborhood called and welcomed me to the bank, provided me their contact info and graciously offered for me to call anytime for help. And the cherry on top of all this is the bank bonus was deposited into my account EXACTLY the day I fulfilled the requirements, which is unusual given my experience. All in all, US Bank is a GREAT bank to be a part of and they are true to their word.

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Nicholas

November 3, 2023

It’s annoying that US Bank prevents you from getting this if you’ve had an account with them in the past 2 years. Most other banks seem to do it based on the date of your last bonus. It just seems overly restrictive to me.

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William Goodpaster

November 3, 2023

I absolutely love this website. Very profitable for me and my family. Thank you so much.

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