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U.S. Bank Smartly® Checking: Earn Up to $450 When You Open a New Account and Complete Qualifying Activities
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.
Earn up to $450 with a new Bank Smartly Checking account.
Complete the following within 90 days of account opening:
Slickdeals may be compensated by U.S. Bank
Earn up to $450 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:
- $2,000 to $4,999.99 to earn $250
- $5,000 to $7,999.99 to earn $350
- $8,000 or more to earn $450
Slickdeals may be compensated by U.S. Bank
Created 11-05-2024
at 03:04 PM
by EfficientGame645
in
Finance
U.S. Bank - Bank Advertiser
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Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
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65 Comments
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One don't live in Texas or two apply for the online cd or credit card with USBank and then it will give you a relationship with them so you can apply for the banking.
$8000/90 days of direct deposit is a high bar.
- Some transfers MAY work, but doing so is a workaround that US Bank doesn't like and won't help you with.
- This site has a list of transfers that have worked for others: https://www.doctorofcre
- If $8000/90 days is hard for you with "real" direct deposits, you may want to adjust your 401(k) or tax withholding temporarily in January, and pay it back later in the year.
Fees:
- $5.00/month dormant account fee. So, you should Close the account promptly after receiving the bonus or keep using it.
- $6.95/mo monthly fee, waived if you have a $1500 balance, $1000 in direct deposit, or have a US Bank credit card. You'll be doing the $1000 in direct deposit anyway, so this should not be a problem if you time your deposits well.
- I could not find a closing fee or any other potentially onerous fees.
Funds Availability:
- Big direct deposits over $5,525.00, have a 7-day hold may apply - they won't let you transfer all of it immediately to main checking.
- They also may hold transfers over $225 under certain (somewhat unspecified) circumstances. I don't think direct deposits would be affected by this, but they could.
- Most direct deposits are available the next day, so you can move the direct deposits to your real, main checking account pretty quickly.
There are no holds on direct deposit. The holds appear on paper check transactions, which don't qualify for the bonus to begin with.
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Using someone else's address might result in slower account opening process and the prompt for additional documents such as addresses verification or id, which will disqualify you. Address verification documents are pretty strict.
no idea, but is so, you could theoretically get your direct deposit for your high-apr bank account, and the use wise or similar to transfer the funds via ACH to the new account and double dip? unethical? Slickdeals mentality, eff the banks
Yeah ok
4%=qualifying balance of $100,000 or more.
Probably way better options for that much cash!
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What do the terms state for limits?