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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 Feb 2008
L5: Journeyman
> bubble2 525 Posts
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skullaria
10-20-2024 at 09:57 PM.
10-20-2024 at 09:57 PM.
Do payments from eBay qualify if you have a eBay business?
Reply
Joined Jul 2007
L6: Expert
> bubble2 1,189 Posts
753 Reputation
PetToilet
10-20-2024 at 10:49 PM.
10-20-2024 at 10:49 PM.
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 $25,000 or more AND have a Smartly Checking account. Too many requirements.
FYI: their brokerage and IRA count
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-21-2024 at 05:10 AM.
10-21-2024 at 05:10 AM.
A 4% cb card might be beneficial for someone who charge across many different categories. For us, we use different cards for different categories (Amex BCP 6% for groceries, Citi Custom 5% for fuel, Bread Amex 2% for misc items). For car & home insurance payments (every 6 months), I open new cards and use them for sign-up bonuses.
Reply
Joined Feb 2009
L4: Apprentice
> bubble2 405 Posts
260 Reputation
LisaGoeke
10-21-2024 at 06:52 AM.
10-21-2024 at 06:52 AM.
*^&$%^ USBank. Banking with them for 22 years. Then we get a letter in the mail, they wanted to give us "ample time", they were closing all of our accounts in less than two weeks. "In Accordance with our Deposit Account Terms & Conditions" was the reason. Called, went to the local branch, no one could tell us. Even escalted it. Nothing. We are now with a local credit union.
Reply
Joined Apr 2020
L3: Novice
> bubble2 196 Posts
130 Reputation
xxhomesickxx
10-21-2024 at 09:02 AM.
10-21-2024 at 09:02 AM.
Quote from Hubbs1 :
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.

We absolutely love Fifth Third bank and don't have issues will bill pay. Maybe go to the branch to ask more questions about your issue.
Reply
Joined Oct 2008
L5: Journeyman
> bubble2 952 Posts
64 Reputation
quizzer
10-23-2024 at 07:55 PM.
10-23-2024 at 07:55 PM.
For people who already opened the account, on which page is the CODE populated oe entered/updatable?

I started the application and came to the "Apply" page and cannot see the code populated as I started from cashback site.
Reply
Joined Jul 2024
New User
> bubble2 2 Posts
10 Reputation
CoralSquirrel160
10-25-2024 at 10:35 AM.
10-25-2024 at 10:35 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.
"Pushed," as in transferred?
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Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-25-2024 at 10:54 AM.
10-25-2024 at 10:54 AM.
Quote from CoralSquirrel160 :
"Pushed," as in transferred?
Let's say you have Bank A and Bank B connected to each other. If you log into Bank A and make a transfer to Bank B, that's a PUSH. If you log into Bank B and set up a transfer from Bank A into Bank B, that's a PULL.

You use a PUSH or PULL as the situation warrants. For example: Bank A has a limit on the amount that you can transfer out per day/week/month but no limit if withdrawn from an outside bank. In that case, you log into the outside bank and do a PULL instead of doing a PUSH from bank A if the amount you want to move exceeds Bank A's limit.

Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
10-25-2024 at 11:03 AM.
10-25-2024 at 11:03 AM.
Quote from quizzer :
For people who already opened the account, on which page is the CODE populated oe entered/updatable?

I started the application and came to the "Apply" page and cannot see the code populated as I started from cashback site.
I applied near the end of September, from a flyer mailed to my address. I entered the promo code on the page that asks about your personal info, income, employment, etc. See attachment.
Reply
Joined Jul 2024
New User
> bubble2 2 Posts
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CoralSquirrel160
10-25-2024 at 07:11 PM.
10-25-2024 at 07:11 PM.
Quote from hpham_53 :
Let's say you have Bank A and Bank B connected to each other. If you log into Bank A and make a transfer to Bank B, that's a PUSH. If you log into Bank B and set up a transfer from Bank A into Bank B, that's a PULL.

You use a PUSH or PULL as the situation warrants. For example: Bank A has a limit on the amount that you can transfer out per day/week/month but no limit if withdrawn from an outside bank. In that case, you log into the outside bank and do a PULL instead of doing a PUSH from bank A if the amount you want to move exceeds Bank A's limit.
Great info, thanks!!
Reply
Joined Oct 2020
L3: Novice
> bubble2 182 Posts
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bede2k
11-02-2024 at 12:57 PM.
11-02-2024 at 12:57 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.
Have you gotten your bonus yet? 2 people said they got their 450 2 weeks after.
I used the push method on 10/10/24 and it's Nov 2 now. Still no bonus.
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
11-02-2024 at 01:30 PM.
11-02-2024 at 01:30 PM.
Quote from bede2k :
Have you gotten your bonus yet? 2 people said they got their 450 2 weeks after.
I used the push method on 10/10/24 and it's Nov 2 now. Still no bonus.
I did my pushes from Ally on 9/25 and 10/15. Haven't received my $450 bonus yet. How many pushes did you make? The deal requires two or more deposits.
Reply
Joined Mar 2017
L10: Grand Master
> bubble2 8,745 Posts
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hpham_53
11-02-2024 at 02:05 PM.
11-02-2024 at 02:05 PM.
In the thread about US Bank Checking Bonus deals on DoctorofCredit.com , member Gadget Bank Bonus Geek (who makes a living doing bank deals) posted "U.S. Bank (usually) pays out checking bonuses on a predictable schedule. If you met the requirements in October you will likely get your bonus on November 14th (2nd Thursday of the following month)". That seems to match what member karateboi said in this thread (made deposits on 9/3 and 9/30, got $450 bonus by 10/16 when he posted).
Reply
Last edited by hpham_53 November 2, 2024 at 02:16 PM.
Joined Oct 2020
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bede2k
11-02-2024 at 02:19 PM.
11-02-2024 at 02:19 PM.
Quote from hpham_53 :
I did my pushes from Ally on 9/25 and 10/15. Haven't received my $450 bonus yet. How many pushes did you make? The deal requires two or more deposits.
I did 2 pushes and an initial deposit of 25.
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Joined Oct 2020
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bede2k
11-02-2024 at 02:20 PM.
11-02-2024 at 02:20 PM.
Quote from hpham_53 :
In the thread about US Bank Checking Bonus deals on DoctorofCredit.com , member Gadget Bank Bonus Geek (who makes a living doing bank deals) posted "U.S. Bank (usually) pays out checking bonuses on a predictable schedule. If you met the requirements in October you will likely get your bonus on November 14th (2nd Thursday of the following month)". That seems to match what member karateboi said in this thread (made deposits on 9/3 and 9/30, got $450 bonus by 10/16 when he posted).
If that's the case, hopefully it holds and we get our bonuses. Thanks man.
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