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U.S. Bank Smartly® Checking: Earn up to $400 When You Open New Accounts and Complete Qualifying Activities

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Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 3, 2024. Member FDIC.

Earn up to $400 with a new Bank Smartly Checking account.
Complete the following within 90 days of account opening:
  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $200 or $5,000 or more to earn $400.

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.

Slickdeals may be compensated by U.S. Bank
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Feb 2015
L1337: Deal Sniper
> bubble2 2,169 Posts
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Nytron
03-14-2024 at 01:49 AM.
03-14-2024 at 01:49 AM.
Code is 24WEB03. I wonder if this works if you were an existing customer at any point in the past.
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Joined Jul 2018
L2: Beginner
> bubble2 74 Posts
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JeffroS
03-14-2024 at 07:22 AM.
03-14-2024 at 07:22 AM.
Quote from Nytron :
Code is 24WEB03. I wonder if this works if you were an existing customer at any point in the past.
U.S. Bank Smartly® Checking bonus: To be eligible, you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last two years or received other U.S. Bank consumer checking bonus offers within the past two years.
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Joined Aug 2022
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amansour1
03-14-2024 at 08:09 AM.
03-14-2024 at 08:09 AM.
Did not work for Houston, TX
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Joined Nov 2009
L3: Novice
> bubble2 158 Posts
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dester223
03-14-2024 at 09:06 AM.
03-14-2024 at 09:06 AM.
FYI

1) you want to turn on paperless statements or it will charge you

2) us bank is one of the only banks I have ever seen charge you a fee to deposit cash.

3) my deposit bonus on the last deal (750) didn't go thru after the 90 day period. Ended up the person who setup my account didn't put the proper promo code in when they opened it.

Just a heads up.
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Joined Mar 2016
L2: Beginner
> bubble2 468 Posts
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devinlwoods
03-14-2024 at 09:14 AM.
03-14-2024 at 09:14 AM.
I just did a similar promo for us bank. Just a side note: If you have a us bank credit card like a state farm credit card that automatically waives the minimum balance requirements.
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Joined Dec 2013
L1: Learner
> bubble2 38 Posts
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pews
03-14-2024 at 01:12 PM.
03-14-2024 at 01:12 PM.
I did this a year ago and they never gave me any money, they do a bunch of sketchy things like charge you for your free checking account and then refund it if you qualify for it to be free... just seems sus.
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Joined Dec 2018
Master of my Own Domain
> bubble2 1,951 Posts
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HonestMammoth473
03-14-2024 at 01:46 PM.
03-14-2024 at 01:46 PM.
This was $500 up until a few days ago. US Bank is definitely sketchy, but we got this bonus np on wife's acct.
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Joined Apr 2017
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> bubble2 311 Posts
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Andrey95
03-14-2024 at 02:23 PM.
03-14-2024 at 02:23 PM.
Quote from HonestMammoth473 :
This was $500 up until a few days ago. US Bank is definitely sketchy, but we got this bonus np on wife's acct.

$10k deposit required for the previous offer. This one is only $5k to get $400.
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Joined Dec 2018
Master of my Own Domain
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HonestMammoth473
03-14-2024 at 02:48 PM.
03-14-2024 at 02:48 PM.
Quote from Andrey95 :
$10k deposit required for the previous offer. This one is only $5k to get $400.

Ah well, that makes it more appealing then. We have very few left to churn this year as I went a little nuts last year.
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Joined Nov 2013
L7: Teacher
> bubble2 2,718 Posts
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AJDemineh
03-14-2024 at 02:54 PM.
03-14-2024 at 02:54 PM.
I see these new bank account sign up offers on SD a lot.
Is there a catch to opening so many of them?
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Joined Jan 2015
peeing outdoors
> bubble2 1,752 Posts
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khronos
03-14-2024 at 03:05 PM.
03-14-2024 at 03:05 PM.
Quote from Andrey95 :
$10k deposit required for the previous offer. This one is only $5k to get $400.

Correct but those are over multiple deposits
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Joined Jan 2015
peeing outdoors
> bubble2 1,752 Posts
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khronos
03-14-2024 at 03:07 PM.
03-14-2024 at 03:07 PM.
Quote from AJDemineh :
I see these new bank account sign up offers on SD a lot.
Is there a catch to opening so many of them?

Read the instructions. Every one that I have seen has a "catch". No problem unless you suck at reading
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Joined Feb 2007
L10: Grand Master
> bubble2 12,279 Posts
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sarcasmogratis
03-14-2024 at 05:43 PM.
03-14-2024 at 05:43 PM.
Quote from HonestMammoth473 :
This was $500 up until a few days ago. US Bank is definitely sketchy, but we got this bonus np on wife's acct.

The difference is probably going to Slickdeals. This is post by a Paid SD Staff Influencer - they don't promote the best offers for us, they promote the best offers for them 😕
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Joined Dec 2018
Master of my Own Domain
> bubble2 1,951 Posts
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HonestMammoth473
03-14-2024 at 05:54 PM.
03-14-2024 at 05:54 PM.
Quote from AJDemineh :
I see these new bank account sign up offers on SD a lot.
Is there a catch to opening so many of them?
Churning them negatively affects your score with ChexSystems and Early Warning Services just as doing do with credit cards affects your credit score. To me, that doesn't really matter. I've been with a few banks for many years and don't chase bonuses on those. Moreover, there are always going to be banks that want your business even if your Chex score is mediocre Aside from that, the main issue is just keep tracking of them all. They all have specific terms to avoid fees, some have early closure penalties, etc. I track it all in Excel and it goes pretty smoothly.
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