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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
·
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 Aug 2005
L6: Expert
> bubble2 1,876 Posts
215 Reputation
keanefan72
10-05-2024 at 10:55 PM.
10-05-2024 at 10:55 PM.
Quote from twiggy_alien_man :
Do any of these bank promos require a credit inquiry? Frozen all my credit accounts, and prefer not to unfreeze if not necessary.

Of course they do. l know you were hoping someone would tell you "no". ,🤣
1
Reply
Joined Nov 2017
L7: Teacher
> bubble2 2,176 Posts
210 Reputation
twiggy_alien_man
10-05-2024 at 11:11 PM.
10-05-2024 at 11:11 PM.
Quote from keanefan72 :
Of course they do. l know you were hoping someone would tell you "no". ,🤣

I was hoping somebody who knows for sure (i.e. somebody who has actually opened one of these bank accounts), and isn't guessing, would answer.
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-06-2024 at 10:32 AM.

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

10-06-2024 at 10:32 AM.
Quote from twiggy_alien_man :
Do any of these bank promos require a credit inquiry? Frozen all my credit accounts, and prefer not to unfreeze if not necessary.
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
4
Reply
Last edited by hpham_53 October 6, 2024 at 10:41 AM.
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-06-2024 at 11:01 AM.
10-06-2024 at 11:01 AM.
Quote from twiggy_alien_man :
I was hoping somebody who knows for sure (i.e. somebody who has actually opened one of these bank accounts), and isn't guessing, would answer.
I opened a US Bank Checking account on 9/24/24 and they did not access my credit files.
Reply
Joined Nov 2012
L4: Apprentice
> bubble2 430 Posts
42 Reputation
njb83
10-07-2024 at 12:40 AM.
10-07-2024 at 12:40 AM.
Quote from hpham_53 :
I opened a US Bank Checking account on 9/24/24 and they did not access my credit files.
Hpham_53. You are always helpful. I saw many posts from you. Amazing. Your posts help a lot to me. Thanks a lot. God bless.
Reply
Joined Nov 2019
L3: Novice
> bubble2 114 Posts
18 Reputation
AlwaysBePirate
10-08-2024 at 06:48 AM.
10-08-2024 at 06:48 AM.
Please stop by our branch to complete your application .... after they got all of the info .... pass

Edit: later received email that my application is approved. Just fyi
Reply
Last edited by AlwaysBePirate October 8, 2024 at 07:52 AM.
Joined Oct 2020
L3: Novice
> bubble2 182 Posts
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bede2k
10-08-2024 at 03:56 PM.
10-08-2024 at 03:56 PM.
Quote from hpham_53 :
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.
So I did the transfer method from Cap1 after verifying the deposits, but in my US Bank it shows: "Electronic Deposit" ...and when I click in it, under "Trasnaction Type" it reads: Deposit.

Does that mean it's a direct deposit or it didn't work?
Reply

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Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-08-2024 at 04:47 PM.
10-08-2024 at 04:47 PM.
Quote from bede2k :
So I did the transfer method from Cap1 after verifying the deposits, but in my US Bank it shows: "Electronic Deposit" ...and when I click in it, under "Trasnaction Type" it reads: Deposit.

Does that mean it's a direct deposit or it didn't work?
Since it reads "Deposit" and not "Transfer", that's a good sign. The two attachments below show the transactions when I did a US Bank deal in March 2019 for a $250 bonus if two Direct Deposits totaling $1000+ were made. The account was opened on 3/5/19 with an initial deposit of $25. The next day there were two trial deposits from Ally Bank. Then the day after that there were two transfers from Ally ($1000 and $500) which were recorded as Electronic Deposit. On 4/9/19 the $250 bonus was received, listed as Adjusted Interest.

I'm using two $4100 Transfers from Ally (in Sept and Oct) for my current US Bank deal for the $450 bonus. I'll post in November whether or not they pay out the bonus.
Reply
Last edited by hpham_53 October 8, 2024 at 04:55 PM.
Joined Oct 2020
L3: Novice
> bubble2 182 Posts
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bede2k
10-08-2024 at 04:58 PM.
10-08-2024 at 04:58 PM.
Quote from hpham_53 :
Since it reads "Deposit" and not "Transfer", that's a good sign. The two attachments below show the transactions when I did a US Bank deal in March 2019 for a $250 bonus if two Direct Deposits totaling $1000+ were made. The account was opened on 3/5/19 with an initial deposit of $25. The next day there were two trial deposits from Ally Bank. Then the day after that there were two transfers from Ally ($1000 and $500) which were recorded as Electronic Deposit. On 4/9/19 the $250 bonus was received, listed as Adjusted Interest.

I'm using two $4100 Transfers from Ally (in Sept and Oct) for my current US Bank deal for the $450 bonus. I'll post in November whether or not they pay out the bonus.
If that's the case, hopefully it should work with me. I'll give it a try and see. Thanks.
Reply
Joined Oct 2020
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> bubble2 182 Posts
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bede2k
10-14-2024 at 11:27 AM.
10-14-2024 at 11:27 AM.
Quote from hpham_53 :
Since it reads "Deposit" and not "Transfer", that's a good sign. The two attachments below show the transactions when I did a US Bank deal in March 2019 for a $250 bonus if two Direct Deposits totaling $1000+ were made. The account was opened on 3/5/19 with an initial deposit of $25. The next day there were two trial deposits from Ally Bank. Then the day after that there were two transfers from Ally ($1000 and $500) which were recorded as Electronic Deposit. On 4/9/19 the $250 bonus was received, listed as Adjusted Interest.

I'm using two $4100 Transfers from Ally (in Sept and Oct) for my current US Bank deal for the $450 bonus. I'll post in November whether or not they pay out the bonus.
Quick question: my wife and I both share the same Cap1 savings account. If she were to create a US Bank acc and transfer, would she qualify too?
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-14-2024 at 02:21 PM.
10-14-2024 at 02:21 PM.
Quote from bede2k :
Quick question: my wife and I both share the same Cap1 savings account. If she were to create a US Bank acc and transfer, would she qualify too?
Sorry, I don't know the answer. Personally I'd use different accounts.
Reply
Joined Jan 2008
L6: Expert
> bubble2 1,799 Posts
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freefun4every1
10-14-2024 at 02:38 PM.
10-14-2024 at 02:38 PM.
If the new 4% credit card requires bank account, I will open this one. Does it?
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-15-2024 at 04:17 AM.
10-15-2024 at 04:17 AM.
Quote from freefun4every1 :
If the new 4% credit card requires bank account, I will open this one. Does it?
The new Smartly card will get 4% cb only when paired with a Savings account with a daily balance of $100,000 or more. US bank savings account rates are pitiful unless you keep $25,000 or more AND have a Smartly Checking account. Too many requirements.
Reply
Last edited by hpham_53 October 15, 2024 at 07:15 AM.
Joined Jan 2008
L6: Expert
> bubble2 1,799 Posts
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freefun4every1
10-15-2024 at 10:18 AM.
10-15-2024 at 10:18 AM.
Oh that's too bad. Can't link to brokerage like bofa?

Quote from hpham_53 :
The new Smartly card will get 4% cb only when paired with a Savings account with a daily balance of $100,000 or more. US bank savings account rates are pitiful unless you keep $25,000 or more AND have a Smartly Checking account. Too many requirements.
Reply

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Joined Jan 2017
L2: Beginner
> bubble2 96 Posts
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Dannemand
10-16-2024 at 07:57 AM.
10-16-2024 at 07:57 AM.
I tried to apply for this. It asked for my ZIP code (I am in FL) and whether I was a US Bank customer (I am not), then said not available in my area. So apparently not working in FL.
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