U.S. Bank Smartly Checking: up to $450 bonus with direct deposits
Up to $450 bonus
Apply for U.S. Bank Smartly Checking by Nov 10, 2026, fund $25 within 60 days and make two or more direct deposits totaling $2,000-$8,000+ within 90 days.
- Deposit
- $2,000-$8,000+ in 2+ direct deposits within 90 days
- States
- Not listed; may be unavailable outside the U.S. Bank footprint
- Ends
- Nov 10, 2026
- Bonus
- $250 / $350 / $450
- Fee
- $12 a month, first 2 cycles waived
How to get it
- Apply through U.S. Bank's offer page by Nov 10, 2026.
- Make an opening deposit of at least $25 within 60 days.
- Within 90 days, enroll in the U.S. Bank Mobile App or online banking.
- Within 90 days, make two or more direct deposits totaling $2,000-$4,999.99 ($250), $5,000-$7,999.99 ($350) or $8,000+ ($450).
- U.S. Bank says the bonus is credited within 30 days after all requirements are met.
Fine print
- Not for people with an existing U.S. Bank consumer checking account or one in the last 12 months.
- Not available with trust accounts or through Alliance partnerships; can't be combined with other checking bonuses.
- Only ACH paycheck-type direct deposits count; other electronic deposits and person-to-person payments don't.
- U.S. Bank says the offer may not be available outside its footprint, but the page lists no states.
- The account must be open with a positive balance to receive the bonus, which is paid as adjusted interest.
Source
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