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U.S. Bank Smartly® Checking: Earn $250 Bonus for $2K+ Direct Deposit (Up to $450) When You Open a New Account and Complete Qualifying Activities Expired

+31 Deal Score
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Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through 9/26/24. Member FDIC.

Thanks to Slickdeals Staff Member EfficientGame645 for posting this deal.

Earn up to $450 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:
    • $2,000 to $4,999.99 to earn $250
    • $5,000 to $7,999.99 to earn $350
    • $8,000 or more to earn $450
Fund your new account within 30 days to start qualifying activities. 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

Original Post

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Edited September 27, 2024 at 11:12 AM by
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through 9/26/24. Member FDIC.

Earn up to $450 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:
    • $2,000 to $4,999.99 to earn $250
    • $5,000 to $7,999.99 to earn $350
    • $8,000 or more to earn $450
Fund your new account within 30 days to start qualifying activities. 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
Created 07-16-2024 at 11:01 AM by EfficientGame645
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
Deal
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+31
61,051 Views
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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Featured Comments

They are not scams. It's literally free money for shuffling funds around, without credit pulls.
Application was rejected. When I called I was told that is because I live in a state where they don't have a branch
If you already have a US Bank credit card, they'll waive the fee for the Smartly checking account.

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Joined Mar 2016
L6: Expert
> bubble2 1,204 Posts
142 Reputation
Rookies1000
08-24-2024 at 05:53 PM.
08-24-2024 at 05:53 PM.
Keep in mind you will get 1099-INT for the bonus. So it's $450 before tax.
Reply
Joined Mar 2013
L5: Journeyman
> bubble2 522 Posts
116 Reputation
jorts
08-25-2024 at 11:11 AM.
08-25-2024 at 11:11 AM.
I just signed up. I don't mind as my mortgage was just sold to US Bank. I have never had an account with them prior to the mortgage. So I plan to send my work direct deposit until I reach the $8k threshold then turn it off. After each direct deposit, I will immediately transfer that $$ back to my normal chase checking account. Once I stop the direct deposits I Plan to keep $1500 on the account to avoid fees. After I get the $450 bonus how long do I need to keep the account open before I close it?
Reply
Joined Nov 2007
Research then Shop
> bubble2 261 Posts
81 Reputation
Itorian
08-25-2024 at 08:22 PM.
08-25-2024 at 08:22 PM.
Quote from jorts :
I just signed up. I don't mind as my mortgage was just sold to US Bank. I have never had an account with them prior to the mortgage. So I plan to send my work direct deposit until I reach the $8k threshold then turn it off. After each direct deposit, I will immediately transfer that $$ back to my normal Chase checking account. Once I stop the direct deposits I plan to keep $1500 on the account to avoid fees. After I get the $450 bonus how long do I need to keep the account open before I close it?
Just get the Cash Plus credit card, no balance worry and 5% cash back on two categories.
I finally got mine recently.
Held out and then played with the numbers.
$8k seems like freaking a lot to me ...
Reply
Joined Oct 2006
L6: Expert
> bubble2 1,549 Posts
143 Reputation
ericdabbs
08-26-2024 at 09:39 AM.
08-26-2024 at 09:39 AM.
Quote from Itorian :
Just get the Cash Plus credit card, no balance worry and 5% cash back on two categories.
I finally got mine recently.
Held out and then played with the numbers.
$8k seems like freaking a lot to me ...
I don't think there is a set time but my personal rule is 1 month.
Reply
Joined Jul 2019
New User
> bubble2 5 Posts
10 Reputation
BrightRoad5654
08-26-2024 at 11:13 AM.
08-26-2024 at 11:13 AM.
Best of luck to everyone who has applied for this, but just wanted to add that I have had nothing but problems with US Bank.

I've had applications for my bank accounts denied multiple times with no response until you call and they 'push it through', I've had bonuses not get paid out and investigations into it that have gone nowhere. Some times I've had issues getting a hold of anyone, and I don't think there's a way to chat on their app or website (so its always a call). The app will randomly forget your credentials.

Recently I tried to move a small amount of money ($15) out of my account and it kept telling me external transfers were not available at the moment and to try again soon, I tried again nothing. Waited a few days tried again, nothing. Called them and they 'unlocked' the account which took 72 hours, after that time period I was able to move the money. Called to have them close the account, and it'll take ten days and they say sometimes it doesn't go through and I'd have to call in again.

Its really just a broken bank from top to bottom.
Reply
Last edited by BrightRoad5654 August 26, 2024 at 11:15 AM.
Joined Jul 2024
L2: Beginner
> bubble2 32 Posts
10 Reputation
BluePanther119
09-12-2024 at 10:33 AM.
09-12-2024 at 10:33 AM.
They are too slow in depositing the bonus. I'm yet to receive.
Reply
Joined Nov 2009
L3: Novice
> bubble2 191 Posts
80 Reputation
Moneynevrsleeps
09-13-2024 at 02:39 PM.
09-13-2024 at 02:39 PM.
Quote from BluePanther119 :
They are too slow in depositing the bonus. I'm yet to receive.

Normally they don't post the bonus until after 90 days is up
Reply

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Joined Nov 2013
L5: Journeyman
> bubble2 670 Posts
320 Reputation
nocreativename
09-13-2024 at 03:55 PM.
09-13-2024 at 03:55 PM.
$7/mo. fee if you don't manually go in and disable paper statements.

And If I'm not mistaken, they make you leave the bonus in for 6 months.

Still worth it.
Reply
Last edited by nocreativename September 13, 2024 at 03:59 PM.
Joined Jul 2013
L5: Journeyman
> bubble2 681 Posts
659 Reputation
rembold
09-13-2024 at 04:18 PM.
09-13-2024 at 04:18 PM.
Quote from nocreativename :
$7/mo. fee if you don't manually go in and disable paper statements.

And If I'm not mistaken, they make you leave the bonus in for 6 months.

Still worth it.

$450 for an $8,000 investment over 6 months is a 5.625% return. That barely beats current high yield savings accounts not including the compounding interest those get. It is also less than return for an S&P 500 ETF/fund. So you can get similar or better returns elsewhere.
Reply
Joined Nov 2009
L3: Novice
> bubble2 191 Posts
80 Reputation
Moneynevrsleeps
09-13-2024 at 05:49 PM.
09-13-2024 at 05:49 PM.
Quote from rembold :
$450 for an $8,000 investment over 6 months is a 5.625% return. That barely beats current high yield savings accounts not including the compounding interest those get. It is also less than return for an S&P 500 ETF/fund. So you can get similar or better returns elsewhere.

You don't need to leave your direct deposits in there to get the bonus. I set up recurring direct deposits and immediately transfer them to my regular bank account at a different bank. Bonus posts after 90 days, I withdraw it and close the account
Reply
Joined Nov 2009
L3: Novice
> bubble2 191 Posts
80 Reputation
Moneynevrsleeps
09-13-2024 at 05:50 PM.
09-13-2024 at 05:50 PM.
Quote from nocreativename :
$7/mo. fee if you don't manually go in and disable paper statements.

And If I'm not mistaken, they make you leave the bonus in for 6 months.

Still worth it.

You do not have to leave the bonus in your account
Reply
Joined Sep 2015
L3: Novice
> bubble2 173 Posts
44 Reputation
jaderxiii
09-13-2024 at 05:52 PM.
09-13-2024 at 05:52 PM.
data point here: bank transfer from chase, sofi counts as direct deposit wink~wink*

Opened my account aug 21st

Bonus posted today.
Reply
Joined Aug 2006
L3: Novice
> bubble2 228 Posts
101 Reputation
fongch
09-13-2024 at 07:47 PM.
09-13-2024 at 07:47 PM.
How long do you have to keep the account open?
Reply
Joined Jun 2011
L5: Journeyman
> bubble2 630 Posts
122 Reputation
Pro
zcsrs
09-14-2024 at 12:00 AM.
09-14-2024 at 12:00 AM.
Quote from jaderxiii :
data point here: bank transfer from chase, sofi counts as direct deposit wink~wink*

Opened my account aug 21st

Bonus posted today.
DD includes bank transfer?
Bonus posted in one month? Confused
Reply

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Joined Aug 2014
New User
> bubble2 13 Posts
14 Reputation
Samdeals01
09-14-2024 at 06:57 AM.
09-14-2024 at 06:57 AM.
They declined last time since I received bonuses for similar checking/ savings account 4 years back. I have to raise multiple tickets to know this reasons.
Reply
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