Personal checking
U.S. Bank Bank Smartly Checking
Verified Oct 19, 2026 · checked Oct 21, 2026 · offer expires Nov 10, 2026 · available in:
Bonus
$450- • Receive 2+ direct deposits totaling $8,000 within 90 days — Two or more direct deposits totaling $8,000 or more within 90 days of opening.
- • Enroll in online banking / e-statements — Enroll in the U.S. Bank Mobile App or online banking within 90 days of opening
- • Deposit $25 of new money within 60 days — Fund with at least $25 within 60 days of account opening
Other amounts for this account
- $250 bonus — Receive 2+ direct deposits totaling $2,000 within 90 days
- $350 bonus — Receive 2+ direct deposits totaling $5,000 within 90 days
One account opening earns one amount — the one you qualify for.
Fine print that matters
• No bonus if you received one here in the past 12 months.
• No bonus if you closed an account here in the past 12 months.
• Not eligible while you hold an open account of this type.
• $12/mo fee — waivable (Waived for the first 2 statement periods; then waived with $1,500+ combined monthly direct deposits, $1,500+ average account balance, U.S. Bank Smartly Visa Signature Card ownership, eligible small business checking ownership, Smart Rewards Gold Tier or above, or military / age 13–24 / age 65+ status).
• Plan on holding at least 180 days before closing.