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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 Jan 2013
L3: Novice
> bubble2 298 Posts
22 Reputation
karateboi87
10-16-2024 at 01:08 PM.
10-16-2024 at 01:08 PM.
Looks like the 450 hit my account already. It's listed as "adjusted interest". I opened on 9/3 and finished my DD on 9/30. So the bonus hits about 2 weeks after. I guess I can cut the account now?
Reply
Joined Mar 2024
L6: Expert
> bubble2 1,446 Posts
185 Reputation
Pro
MemorableHose1597
10-16-2024 at 07:44 PM.
10-16-2024 at 07:44 PM.
Annoying, I did this and denied. They told me since I had a previous savings acct I was ineligible

I opened this smartly account at branch and told me I was eligible.

Fik em
Closing account

Opened keybank, got a deposit going on 1st, I get 300 bonus there

Opened chase bank, next December 1st, deposit there, 300,

And I'm doing Huntington bank for 400 after.

Once I get my deposits I'm closing them down. May keep chase tho. Idk yet.


Chase vs us bank, got us bank at my grocery store but kinda upset they lied to me
Reply
Joined Apr 2007
L7: Teacher
> bubble2 2,757 Posts
1,105 Reputation
barcode
10-16-2024 at 07:48 PM.
10-16-2024 at 07:48 PM.
Wanted to add a data point as I was seeing a lot of negative comments on another thread. I got my $450 bonus today. I opened the account back in July and did DD with my employer. No issues. Maybe this is relevant, but I was using the account to pay bills so there was a lot of movement going as opposed to just having money sit there waiting for the bonus to hit.
Reply
Last edited by barcode October 16, 2024 at 07:52 PM.
Joined Dec 2005
L11: World Champion
> bubble2 758 Posts
54 Reputation
_DonkeyKong_
10-16-2024 at 07:49 PM.
10-16-2024 at 07:49 PM.
is this bonus considered taxable? i know credit card cash back is not.
Reply
Joined Mar 2024
L6: Expert
> bubble2 1,446 Posts
185 Reputation
Pro
MemorableHose1597
10-16-2024 at 07:50 PM.
10-16-2024 at 07:50 PM.
Quote from barcode :
Wanted to add a data point as I was seeing a lot of negative comments on another thread. I got my $450 bonus today. I opened the account back in July and did DD with my employer. No issues.

They told me I was eligible, wasted dd's in it to be told oh since you're existing customer you don't get it

I'm telling them close my account, been w them a few years. I was lied too, rather use chase now since it happened.

Opened a chase account. Only reason I had us bank as it's at my grocery store lol kinda convenient
1
Reply
Joined Jul 2012
L3: Novice
> bubble2 159 Posts
14 Reputation
lunr313
10-16-2024 at 08:46 PM.
10-16-2024 at 08:46 PM.
Quote from destination4DEB :
NC state residents not allowed to open US bank account

Neither is TX or RI... "U.S." bank my arse!
1
Reply
Joined Oct 2016
L5: Journeyman
> bubble2 662 Posts
1,325 Reputation
ligera
10-17-2024 at 07:34 AM.
10-17-2024 at 07:34 AM.
What triggers the SB 10,000 actually posting? I've had the little orange pending clock thingy in my account since 9/6, but nothing shows in the pending area at top. I opened 9/6, deposited $100 with a transfer, and have done 2 "DD"'s (pushes) totalling $4k+. I'll get the other $4k in next month.
The account was not approved instantly, and the $100 shows as Telephone Assisted Transfer. Lurking on DoC, it seems some are only getting the SB to post after DDing $8k. I don't want to have to contact SB if it might take care of itself.
Reply
Last edited by ligera October 17, 2024 at 08:05 AM.

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Joined Dec 2013
L3: Novice
> bubble2 254 Posts
82 Reputation
modemraj
10-17-2024 at 08:46 AM.
10-17-2024 at 08:46 AM.
As pointed out here you may have to open a CD first to get into their system if you're from a state without their footprint

https://www.doctorofcredit.com/ti...erve-ymmv/
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
1,859 Reputation
hpham_53
10-17-2024 at 11:52 AM.
10-17-2024 at 11:52 AM.
Quote from _DonkeyKong_ :
is this bonus considered taxable? i know credit card cash back is not.
Credit card cb and sign-up bonus are not taxable because they require you to spend a certain amount and the IRS considers them "rebates". Most Bank/C.U. bonuses only require deposits so are not considered "rebates" and are taxable. The offer terms usually spell out whether or not it's taxable.
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
1,859 Reputation
hpham_53
10-17-2024 at 11:59 AM.
10-17-2024 at 11:59 AM.
Quote from karateboi87 :
So the bonus hits about 2 weeks after. I guess I can cut the account now?
It's up to you. Some banks/CU will claw back the bonus if the account was closed within xx days of opening. Even if they don't clawback, they might add negative comments to your Chex Report https://www.chexsystems.com/ which banks/CU often use when considering an application for a new deposit account. I don't "burn the bridge" quickly because I want to do the bonus again with the same bank after xx months. I usually leave an account open 6 months or more before closing.
Reply
Joined Nov 2020
L2: Beginner
> bubble2 46 Posts
10 Reputation
AmusedPlastic4472
10-17-2024 at 12:56 PM.
10-17-2024 at 12:56 PM.
Can anyone comment if an application would cause a Hard Credit Inquiry?
Reply
Joined Nov 2020
L2: Beginner
> bubble2 46 Posts
10 Reputation
AmusedPlastic4472
10-17-2024 at 12:59 PM.
10-17-2024 at 12:59 PM.
Quote from barcode :
Wanted to add a data point as I was seeing a lot of negative comments on another thread. I got my $450 bonus today. I opened the account back in July and did DD with my employer. No issues. Maybe this is relevant, but I was using the account to pay bills so there was a lot of movement going as opposed to just having money sit there waiting for the bonus to hit.

Did you application to US Bank, cause a Hard Credit Inquiry?
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
1,859 Reputation
hpham_53
10-17-2024 at 01:38 PM.
10-17-2024 at 01:38 PM.
Quote from AmusedPlastic4472 :
Can anyone comment if an application would cause a Hard Credit Inquiry?
I applied in Sept and was approved. No Credit Inquiry (hard or soft). For deposit accounts (not credit cards) they only pull your Chex Report, which has info about your past/current bank accounts, bad checks, overwithdrawals, etc.
Reply
Joined Nov 2020
L2: Beginner
> bubble2 46 Posts
10 Reputation
AmusedPlastic4472
10-17-2024 at 03:42 PM.
10-17-2024 at 03:42 PM.
Quote from hpham_53 :
I applied in Sept and was approved. No Credit Inquiry (hard or soft). For deposit accounts (not credit cards) they only pull your Chex Report, which has info about your past/current bank accounts, bad checks, overwithdrawals, etc.

Thank You was on the fence about opening it or not. Will do it now
Reply

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Joined Jun 2008
L6: Expert
> bubble2 1,947 Posts
133 Reputation
geost
10-17-2024 at 04:01 PM.
10-17-2024 at 04:01 PM.
Quote from karateboi87 :
Looks like the 450 hit my account already. It's listed as "adjusted interest". I opened on 9/3 and finished my DD on 9/30. So the bonus hits about 2 weeks after. I guess I can cut the account now?
Same here. I met the requirements for the $450 offer and received it two weeks later as adjusted interest. Easy peasy 👍. Although I'm going to hold on to it because the checking account is free if you have one of their credit cards (I have USBAR).
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