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

+12 Deal Score
60,455 Views
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

Original Post

Written by
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
Created 09-27-2024 at 11:03 AM by EfficientGame645
in Finance U.S. Bank - Bank Advertiser
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
Deal
Score
+12
60,455 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.

101 Comments

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Featured Comments

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
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 Dec 2010
L6: Expert
> bubble2 1,081 Posts
228 Reputation
link64dx
10-03-2024 at 12:59 PM.
10-03-2024 at 12:59 PM.
So if I use Chase, I need to initiate the transfer from Chase app to us bank correct?
3
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
1,859 Reputation
hpham_53
10-03-2024 at 01:08 PM.
10-03-2024 at 01:08 PM.
Quote from link64dx :
So if I use Chase, I need to initiate the transfer from Chase app to us bank correct?
Yes. I've read that Chase has two types of transfers: Instant and Scheduled, and the Scheduled one has a better chance of being treated as a Deposit (not a Transfer).
Reply
Last edited by hpham_53 October 3, 2024 at 01:11 PM.
Joined Nov 2020
L3: Novice
> bubble2 437 Posts
347 Reputation
Raychoi5566
10-03-2024 at 01:26 PM.
10-03-2024 at 01:26 PM.
Quote from a_red_flag :
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.

Outrageous!
2
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
1,859 Reputation
hpham_53
10-03-2024 at 01:36 PM.
10-03-2024 at 01:36 PM.
Quote from a_red_flag :
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.
On doctorofcredit.com , the info for this deal has this note "Availability: Nationwide (excludes NY & FL and any other state without a branch". I don't know where they found that info.
Reply
Joined Dec 2010
L6: Expert
> bubble2 1,081 Posts
228 Reputation
link64dx
10-03-2024 at 01:38 PM.
10-03-2024 at 01:38 PM.
Quote from hpham_53 :
Yes. I've read that Chase has two types of transfers: Instant and Scheduled, and the Scheduled one has a better chance of being treated as a Deposit (not a Transfer).

Thanks
Reply
Joined Jul 2006
abused user
> bubble2 4,220 Posts
1,403 Reputation
ubiquitous
10-04-2024 at 12:09 PM.
10-04-2024 at 12:09 PM.
i don't see a link
3
Reply
Joined Jul 2019
L1: Learner
> bubble2 15 Posts
38 Reputation
Hardik14
10-04-2024 at 12:10 PM.
10-04-2024 at 12:10 PM.
Applicable to CA residents?
2
Reply

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Joined Mar 2013
L2: Beginner
> bubble2 89 Posts
30 Reputation
tmh573
10-04-2024 at 03:18 PM.
10-04-2024 at 03:18 PM.
Once they pay the bonus, can you remove the funds and close account?
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 11,350 Posts
422 Reputation
Pro
boosterjm
10-04-2024 at 08:59 PM.
10-04-2024 at 08:59 PM.
Quote from EfficientGame645 :
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
can you send website link to the deal?
Reply
Joined Nov 2017
L7: Teacher
> bubble2 2,175 Posts
210 Reputation
twiggy_alien_man
10-04-2024 at 09:35 PM.
10-04-2024 at 09:35 PM.
This was $350 previously. So not bad.

But if you deposited $8k or more (in 90 days), it was $450. Is there a similar deal now, or is the previous one still running?
Reply
Last edited by twiggy_alien_man October 4, 2024 at 09:38 PM.
Joined Jul 2012
L5: Journeyman
> bubble2 1,843 Posts
307 Reputation
Tigga573
10-05-2024 at 06:21 AM.
10-05-2024 at 06:21 AM.
Quote from tmh573 :
Once they pay the bonus, can you remove the funds and close account?
Yes, you can.
Reply
Joined Sep 2014
L6: Expert
> bubble2 1,297 Posts
239 Reputation
jaredalanmitchell
10-05-2024 at 06:31 AM.
10-05-2024 at 06:31 AM.
Quote from Tigga573 :
Yes, you can.
100% you can. I've done it with Truist, Chase, Wells Fargo and others in the last year. I haven't done it with this bank yet, but once you get your bonus $$ - send your money to another account and close it out.

Just a reminder, you do need to pay tax on the bonuses, they'll send you a document and report it to the IRS. You'll pay income tax on it.
Reply
Joined Oct 2008
L7: Teacher
> bubble2 2,275 Posts
108 Reputation
flightxxx
10-05-2024 at 01:43 PM.
10-05-2024 at 01:43 PM.
Quote from twiggy_alien_man :
This was $350 previously. So not bad.

But if you deposited $8k or more (in 90 days), it was $450. Is there a similar deal now, or is the previous one still running?
its still $450, thru 10/31, best offer out there imo
Reply
Joined Jul 2012
L5: Journeyman
> bubble2 1,843 Posts
307 Reputation
Tigga573
10-05-2024 at 02:22 PM.
10-05-2024 at 02:22 PM.
Quote from jaredalanmitchell :
100% you can. I've done it with Truist, Chase, Wells Fargo and others in the last year. I haven't done it with this bank yet, but once you get your bonus $$ - send your money to another account and close it out.

Just a reminder, you do need to pay tax on the bonuses, they'll send you a document and report it to the IRS. You'll pay income tax on it.
Yea, I've churned each of the ones you mentioned and US Bank within the last year or so. Haven't had a problem with any of them.
Reply

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Joined Nov 2017
L7: Teacher
> bubble2 2,175 Posts
210 Reputation
twiggy_alien_man
10-05-2024 at 07:54 PM.
10-05-2024 at 07:54 PM.
Quote from flightxxx :
its still $450, thru 10/31, best offer out there imo

Do any of these bank promos require a credit inquiry? Frozen all my credit accounts, and prefer not to unfreeze if not necessary.
Reply
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