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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
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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 Dec 2016
L4: Apprentice
> bubble2 465 Posts
69 Reputation
duke5150
10-18-2024 at 08:01 AM.
10-18-2024 at 08:01 AM.
Quote from AmusedPlastic4472 :
Can anyone comment if an application would cause a Hard Credit Inquiry?
They do not use credit reports but they do use INNOVIS and that needs to be unfrozen.
Reply
Joined Apr 2009
L4: Apprentice
> bubble2 432 Posts
30 Reputation
ckboy
10-18-2024 at 05:21 PM.
10-18-2024 at 05:21 PM.
Quote from MemorableHose1597 :
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

Grocery store salespeople will tell you anything just to get you to sign up.
Reply
Joined Mar 2024
L6: Expert
> bubble2 1,446 Posts
185 Reputation
Pro
MemorableHose1597
10-18-2024 at 05:47 PM.
10-18-2024 at 05:47 PM.
Quote from ckboy :
Grocery store salespeople will tell you anything just to get you to sign up.

They got me, hook line and sinker.
Reply
Joined Mar 2024
L6: Expert
> bubble2 1,446 Posts
185 Reputation
Pro
MemorableHose1597
10-18-2024 at 06:34 PM.
10-18-2024 at 06:34 PM.
Quote from ckboy :
Grocery store salespeople will tell you anything just to get you to sign up.
its ok tho. because now im closing it entirely. lie to me, shame on you. lost my business. which is a lot.
Reply
Joined Jun 2012
L1: Learner
> bubble2 10 Posts
35 Reputation
Herman17
10-18-2024 at 11:17 PM.
10-18-2024 at 11:17 PM.
Do not open with US bank. They lied about bonus. I never receive mine. Even my banker told me just close the account, she was upset with her company since it doesn't honor the bonus.
Reply
Joined Nov 2021
New User
> bubble2 18 Posts
10 Reputation
BeigeLadybug6351
10-19-2024 at 12:17 PM.
10-19-2024 at 12:17 PM.
Can I withdraw the amount once direct deposits clears or do I need to keep it in US bank for few days ?
Reply
Joined Feb 2023
L6: Expert
> bubble2 1,453 Posts
114 Reputation
oasisallure
10-19-2024 at 12:46 PM.
10-19-2024 at 12:46 PM.
Quote from Herman17 :
Do not open with US bank. They lied about bonus. I never receive mine. Even my banker told me just close the account, she was upset with her company since it doesn't honor the bonus.

what is the reason not honoring the bonus? You could file complaint
Reply

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Joined Jun 2012
L1: Learner
> bubble2 10 Posts
35 Reputation
Herman17
10-19-2024 at 01:24 PM.
10-19-2024 at 01:24 PM.
Quote from oasisallure :
what is the reason not honoring the bonus? You could file complaint
My banker and the branch manager did for me. The main office said I need to show the flyer that I got from the mail 6 months ago.
Reply
Joined Sep 2014
L3: Novice
> bubble2 268 Posts
hexbindil
10-19-2024 at 02:22 PM.
10-19-2024 at 02:22 PM.
Don't do it . I tried last year and did not get $400 even having meet all conditions
1
1
Reply
Joined Oct 2010
L10: Grand Master
> bubble2 6,389 Posts
1,389 Reputation
YanksIn2009
10-20-2024 at 12:22 PM.
10-20-2024 at 12:22 PM.
Quote from hexbindil :
Don't do it . I tried last year and did not get $400 even having meet all conditions
I had a similar issue with a checking account offer a couple of years ago with them. Never got the bonus despite having entered their bonus code at the time and having a screen shot of that. Called to complain. They opened a ticket and I never heard back from them...shocking I know. Ended up just closing the account. Anecdotal I know, but imo, US Bank is similar Chase. Good for credit cards and credit card offers but for bank accounts they will find any which way they can through either intentionally cryptic fine print or outright incompetence to not pay out. Just not worth the time and trouble imo and since they offer near zero interest rates and nothing special service-wise as banking goes, there is just no reason to pursue it.


My 2 cents.
Reply
Joined Sep 2003
Worlds Most Modest Man
> bubble2 19,837 Posts
3,129 Reputation
beowulf7
10-20-2024 at 12:44 PM.
10-20-2024 at 12:44 PM.
For my Zip code (in D/FW Texas):
We are sorry.
U.S. Bank doesn't offer checking or savings accounts in your area. To help you meet your financial goals, please consider other U.S. Bank products. If you are an active duty military member, please call 844.395.5441.
Reply
Joined Jan 2016
L2: Beginner
> bubble2 25 Posts
89 Reputation
Adi2873
10-20-2024 at 02:22 PM.
10-20-2024 at 02:22 PM.
Not valid in NJ. Zip code: 07094
Reply
Joined Dec 2014
L7: Teacher
> bubble2 2,823 Posts
236 Reputation
remainders
10-20-2024 at 02:44 PM.
10-20-2024 at 02:44 PM.
Wells fargo better
Reply
Joined Nov 2008
L5: Journeyman
> bubble2 599 Posts
pej7445
10-20-2024 at 02:48 PM.
10-20-2024 at 02:48 PM.
Quote from WolfTheCat :
$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.
Do you have a link to the Truist deal?
Reply

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Joined Jan 2024
Typing Cat
> bubble2 2,385 Posts
1,469 Reputation
WolfTheCat
10-20-2024 at 03:24 PM.
10-20-2024 at 03:24 PM.
Quote from pej7445 :
Do you have a link to the Truist deal?

https://slickdeals.net/share/android_app/t/17753940
Reply
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