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

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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 October 31, 2024. Member FDIC.

Thanks to Staff Member EfficientGame645 for posting this deal.

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
U.S. Bank Smartly® Checking includes:
  • Fraud prevention
  • Security alerts
  • Manage cash easily in our #1 rated mobile app
  • Access to U.S. Bank Smart Rewards® to reap additional benefits
  • Mobile check deposit
  • U.S. Bank Visa® Debit Card
  • No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety
  • threshold and Overdraft Fee Forgiven program
  • Direct deposit switch - We've made it easier than ever to switch direct deposit with our industry-leading, secure,
  • automated process
  • Complimentary Greenlight account
Fund your new acount within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

Slickdeals may be compensated by U.S. Bank
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Edited November 1, 2024 at 02:23 PM by
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 October 31, 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
U.S. Bank Smartly® Checking includes:
  • Fraud prevention
  • Security alerts
  • Manage cash easily in our #1 rated mobile app
  • Access to U.S. Bank Smart Rewards® to reap additional benefits
  • Mobile check deposit
  • U.S. Bank Visa® Debit Card
  • No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety
  • threshold and Overdraft Fee Forgiven program
  • Direct deposit switch - We've made it easier than ever to switch direct deposit with our industry-leading, secure,
  • automated process
  • Complimentary Greenlight account
Fund your new acount within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

Slickdeals may be compensated by U.S. Bank
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Created 09-27-2024 at 11:03 AM by EfficientGame645
in Finance U.S. Bank - Bank Advertiser
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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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Most BANKS use a system called Chex https://www.chexsystems.com/ to check your history related to deposit-accounts (checking, savings). Your Chex history has info like how many deposit accounts you had opened within the past 1 months, 3 months, 6 months, 12 months, 24 months. Some banks use the info to weed out the "churners". Some banks' criteria are stricter than others. Your Chex history also shows how many times you had overdrawn, wrote bad checks, etc. The BANKS don't really care about your credit history unless you're applying for credit cards. For some reasons, many Credit Unions pull your credit history even when applying for deposit accounts.

You can request a free copy of your Chex report from the link above. Here's sample of a Chex Report https://www.chexsystems.com/-/med...B8B1FB087C
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US Bank is pretty lenient about which deposits are considered DDs. Lots of people on www.doctorofcredit.com [doctorofcredit.com] reported that ACH transfers from Ally, Chase, CapOne, etc were accepted as DDs to get the bonus. I just opened a US Bank Smartly Checking on 9/24/24 on a promo (expired 9/26) that gives $450 bonus for $8000+ total in DDs within 90 days. I pushed $4100 from Ally to US Bank on 9/26. Will do another one in early October.
·
$400 is a good bonus, but $5000/90 days in DD is a pretty high hurdle, but doable for me.

- Paid biweekly.
- Week 1-2: $0.01 from first paycheck just to make sure the direct deposit posts. (I always do that)
- Week 3-12: $1000 each from the next five paychecks.

84 days max. If that first penny doesn't post though, I'm screwed out of the $400.

Think I may go for the Truist deal instead. $500 in DD is easier.
·

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Joined Jan 2024
Typing Cat
> bubble2 2,385 Posts
1,469 Reputation
WolfTheCat
09-27-2024 at 01:45 PM.
09-27-2024 at 01:45 PM.
$400 is a good bonus, but $5000/90 days in DD is a pretty high hurdle, but doable for me.

- Paid biweekly.
- Week 1-2: $0.01 from first paycheck just to make sure the direct deposit posts. (I always do that)
- Week 3-12: $1000 each from the next five paychecks.

84 days max. If that first penny doesn't post though, I'm screwed out of the $400.

Think I may go for the Truist deal instead. $500 in DD is easier.
3
Reply
Last edited by WolfTheCat September 27, 2024 at 01:47 PM.
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
09-28-2024 at 01:12 PM.
09-28-2024 at 01:12 PM.
Quote from WolfTheCat :
$400 is a good bonus, but $5000/90 days in DD is a pretty high hurdle, but doable for me.
US Bank is pretty lenient about which deposits are considered DDs. Lots of people on www.doctorofcredit.com [doctorofcredit.com] reported that ACH transfers from Ally, Chase, CapOne, etc were accepted as DDs to get the bonus. I just opened a US Bank Smartly Checking on 9/24/24 on a promo (expired 9/26) that gives $450 bonus for $8000+ total in DDs within 90 days. I pushed $4100 from Ally to US Bank on 9/26. Will do another one in early October.
Reply
Joined Jul 2011
L4: Apprentice
> bubble2 307 Posts
199 Reputation
destination4DEB
09-28-2024 at 01:13 PM.
09-28-2024 at 01:13 PM.
NC state residents not allowed to open US bank account
1
1
1
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Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
09-28-2024 at 01:14 PM.

Our community has rated this post as helpful. If you agree, why not thank hpham_53

09-28-2024 at 01:14 PM.
See datapoints at the link below for which ACH deposits are considered DDs by US Bank.
https://www.doctorofcredit.com/kn...s/#US_Bank
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Joined Nov 2018
L2: Beginner
> bubble2 58 Posts
22 Reputation
ShadowPoo101
09-28-2024 at 02:41 PM.
09-28-2024 at 02:41 PM.
currently waiting on the $250 checking account bonus from the offer they had a few months back. i've seen that it can take up two weeks from the last deposit that hits the requirements for the bonus to post.
Reply
Joined Jul 2019
L5: Journeyman
> bubble2 545 Posts
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Pro
Hubbs1
09-29-2024 at 08:21 AM.
09-29-2024 at 08:21 AM.
Can anyone speak to how good their bill pay is? I'm looking to leave Fifth Third because I pay every ebill when they notify me but then on the due date get a notification that I haven't scheduled my payment when I've already paid it, really annoying.
Reply
Joined Apr 2015
L5: Journeyman
> bubble2 940 Posts
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orioncygnus
09-30-2024 at 06:24 AM.
09-30-2024 at 06:24 AM.
how can i ensure i qualify for this promo before applying?
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Joined Nov 2016
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a_red_flag
09-30-2024 at 08:43 AM.
09-30-2024 at 08:43 AM.
Application declined. Called to ask why. Representative says Delaware residents can not open an account. I didn't see anything about state restrictions in the application but maybe I missed that info somewhere.
Reply
Joined Nov 2018
L2: Beginner
> bubble2 34 Posts
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FeistyMagic5176
10-03-2024 at 09:27 AM.
10-03-2024 at 09:27 AM.
Just be careful I have read on post that some times they will not give bonuses and will make excuses. Happened with few friends even after meeting all conditions
Reply
Joined Oct 2020
L3: Novice
> bubble2 182 Posts
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bede2k
10-03-2024 at 10:52 AM.
10-03-2024 at 10:52 AM.
Quote from hpham_53 :
US Bank is pretty lenient about which deposits are considered DDs. Lots of people on www.doctorofcredit.com [doctorofcredit.com] reported that ACH transfers from Ally, Chase, CapOne, etc were accepted as DDs to get the bonus. I just opened a US Bank Smartly Checking on 9/24/24 on a promo (expired 9/26) that gives $450 bonus for $8000+ total in DDs within 90 days. I pushed $4100 from Ally to US Bank on 9/26. Will do another one in early October.
How do you do an ACH transfer from CapOne? Log into your Cap1 acc, link your external US Bank, verify to 2 small deposits, then make the transfer from Cap 1 into US? Because I called and spoke to a rep and she said transfer from Cap1 doesn't count. She could be wrong or it could be the way in which the money is being transferred, IE logging into US Bank and requesting the money from there, vs logging into Cap 1 and sending the money into the US bank acc. Could that possibly be the case? If you or anyone knows for sure, please let me know as I've just created an acct and trying to do the DD via Cap1. Thanks.
1
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Joined Mar 2017
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hpham_53
10-03-2024 at 12:11 PM.
10-03-2024 at 12:11 PM.
Quote from bede2k :
How do you do an ACH transfer from CapOne? Log into your Cap1 acc, link your external US Bank, verify to 2 small deposits, then make the transfer from Cap 1 into US?
Rule #1 when doing bank bonuses is NOT to call the bank and ask if certain ACH transfers will qualify as Direct Deposits. That will give them a hint that people are trying to circumvent their DD requirements and they will tighten up their rules. Use the link to doctorofcredit in my post on 9/28 to see datapoints from people who had successess or failures with ACH from various banks to US Bank.

Doing an ACH from CapOne is like you describled. For me, I'm doing ACH from my Ally Savings to US Bank. The 1st one was done in Sept and was recorded as "Deposit" (not Transfer). I will do the 2nd one next week, and wait to see if US Bank will pay out the bonus.
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Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-03-2024 at 12:36 PM.
10-03-2024 at 12:36 PM.
Quote from FeistyMagic5176 :
Just be careful I have read on post that some times they will not give bonuses and will make excuses. Happened with few friends even after meeting all conditions
If one used fake DDs and US Bank doesn't pay the bonus, there's not much one can do. But if your friends use legitimate DDs from their jobs or S.S. benefits, file a complaint with the Consumer Financial Protection Bureau (CFPB) and they will make US Bank provide a response on why they didn't pay the bonus.
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Joined Mar 2017
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> bubble2 8,745 Posts
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hpham_53
10-03-2024 at 12:54 PM.
10-03-2024 at 12:54 PM.
Quote from Hubbs1 :
Can anyone speak to how good their bill pay is? I'm looking to leave Fifth Third
I just signed up with Bask Bank https://www.baskbank.com/products...ng-account . They currently have a promotion that if you use their Bill Center in their Checking account to pay two bills totalling $50+ in a month then you get $50 bonus for that month, up to 4 months from Sept 2024 through March 2025. I signed up in mid-Sept, deposited a few hundred dollars. Paid two credit card ebills (CapOne and Citi) totalling $50+ before end of Sept and got $50 credit in my account on 10/1. I set up the bills to be paid on 9/23 and the credit card companies received the epayments on 9/25. I'll repeat that for 3 more months.
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Last edited by hpham_53 October 3, 2024 at 06:43 PM.
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