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U.S. Bank Smartly® Checking: Earn Up to $450 When You Open a New Account and Complete Qualifying Activities Expired

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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 April 17, 2025. Member FDIC.

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 - $4,999.99 to earn $250
    • $5,000 - $7,999.99 to earn $350
    • $8,000 or more to earn $450
U.S. Bank Smartly®Checking includes:
  • Fraud prevention
  • Security alerts
  • Complimentary access to Greenlight to raise financially smart kids
  • Direct deposit switch
  • 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
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

Original Post

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Edited March 18, 2025 at 10:35 AM by
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 April 17, 2025. Member FDIC.

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 - $4,999.99 to earn $250
    • $5,000 - $7,999.99 to earn $350
    • $8,000 or more to earn $450

U.S. Bank Smartly®Checking includes:
  • Fraud prevention
  • Security alerts
  • Complimentary access to Greenlight to raise financially smart kids
  • Direct deposit switch
  • 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

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
Created 01-07-2025 at 04:16 PM by EfficientGame645
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
Deal
Score
+26
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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.

134 Comments

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Featured Comments

Still waiting on US Bank to give me my $400 bonus for the prior promo that required two deposits totaling more than $5000.
I manager a deposit at a big bank and we have offers like this all the time but to answer your question, we do NOT accept transfers (brokerage, wireless, or any other). a direct deposit has a certain transaction code and that's how we track it. can't speak for us bank but they likely do the same.
This is the only bank where I did not received account opening bonus out of ~20.

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Joined Dec 2010
L1: Learner
> bubble2 10 Posts
21 Reputation
madcowtt
01-19-2025 at 07:54 AM.

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01-19-2025 at 07:54 AM.
Followed all the requirements and put extra in just in case. I only had 30 days left to go and they flagged my account as fraudulent. Reps would literally hangup on the phone when verifying my account. I was so happy when I got my original money back. No interest and no bonus. The said they will never take me as a customer again. I still don't know what went wrong they wouldn't tell me. So I'll stick with my 4 other banks
2
Reply
Joined Dec 2008
L7: Teacher
> bubble2 2,208 Posts
293 Reputation
ZeeOhhSix
01-19-2025 at 10:10 AM.
01-19-2025 at 10:10 AM.
Quote from LovelyWater928 :
Same here, it's been two years, waiting for them to call me back

They are never calling you back if it's been two years. File a CFPB complaint , and I bet you have a resolution within 2 weeks. We have consumer-protective government agencies for a reason. At least for now.
2
Reply
Joined Jan 2019
L5: Journeyman
> bubble2 985 Posts
144 Reputation
MemorableStew1728
01-20-2025 at 07:23 PM.
01-20-2025 at 07:23 PM.
Quote from beowulf7 :
Still no dice for me in D/FW area of TX.

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.

You should open another account with them first. A CC for instance. Then you can open others. I'm in TX too, have several USB accounts
Reply
Joined Jun 2007
L3: Novice
> bubble2 153 Posts
130 Reputation
m_mnc
01-20-2025 at 07:32 PM.
01-20-2025 at 07:32 PM.
Worst bank ever
Reply
Joined Sep 2024
New User
> bubble2 17 Posts
17 Reputation
Steve.M
01-20-2025 at 07:40 PM.

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

01-20-2025 at 07:40 PM.
Quote from LeeJ4041 :
does ACH transfer from another bank considered "direct deposit" for US Bank?

I manager a deposit at a big bank and we have offers like this all the time but to answer your question, we do NOT accept transfers (brokerage, wireless, or any other). a direct deposit has a certain transaction code and that's how we track it. can't speak for us bank but they likely do the same.
3
Reply
Joined Nov 2018
L2: Beginner
> bubble2 57 Posts
22 Reputation
BananaFart
01-20-2025 at 08:38 PM.

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

01-20-2025 at 08:38 PM.
Quote from LeeJ4041 :
does ACH transfer from another bank considered "direct deposit" for US Bank?

Nerp. Read the fine print:

A direct deposit is an electronic deposit of your paycheck made through the Automated Clearing House (ACH) network or an electronic deposit of your government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct depot.
4
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Joined Oct 2005
L6: Expert
> bubble2 1,206 Posts
137 Reputation
Pro
Big Wang
01-20-2025 at 09:35 PM.
01-20-2025 at 09:35 PM.
Can I still do this if I already have a checking account with them?
Reply

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Joined Aug 2010
B!tch Please
> bubble2 6,107 Posts
625 Reputation
Truth-Serum
01-21-2025 at 01:06 AM.
01-21-2025 at 01:06 AM.
$500 CD to establish a relationship if you're in a state not in their footprint
1
Reply
Joined Aug 2010
B!tch Please
> bubble2 6,107 Posts
625 Reputation
Truth-Serum
01-21-2025 at 01:25 AM.
01-21-2025 at 01:25 AM.
$500/$900 offer with business checking. Going with that instead
Reply
Joined Oct 2011
slickdealer
> bubble2 147 Posts
37 Reputation
zzTzz
01-21-2025 at 04:35 AM.
01-21-2025 at 04:35 AM.
Check if you have a branch within a 50 mile radius. It said I could apply with my zip code but after going through all the step it denied my application with a vague message. Later I called and it was because of that.
Reply
Joined Nov 2024
New User
> bubble2 1 Posts
10 Reputation
Rav1kiran
01-21-2025 at 06:02 AM.
01-21-2025 at 06:02 AM.
Quote from dingdong123 :
This is the only bank where I did not received account opening bonus out of ~20.

How did you manage direct deposits into 20 accounts?
Reply
Joined Feb 2011
Disappontment panda
> bubble2 923 Posts
141 Reputation
bageland2000
01-21-2025 at 10:08 AM.
01-21-2025 at 10:08 AM.
Quote from Rav1kiran :
How did you manage direct deposits into 20 accounts?

For me it's easy. Open account, channel a deposit allotment from my work into the account, bonus hits, cancel allotment, close account (if I'd incur maintenance fees), move into the next one.
1
Reply
Joined Jun 2007
L4: Apprentice
> bubble2 455 Posts
89 Reputation
tbotello
01-21-2025 at 11:38 AM.
01-21-2025 at 11:38 AM.
Quote from wiebel03 :
If you open it through an affiliate link that pays cash back, you get an extra $80

I can tell you that an ACH push from Chase works.
2
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Joined Apr 2009
L3: Novice
> bubble2 189 Posts
63 Reputation
socrpro192
01-21-2025 at 05:04 PM.
01-21-2025 at 05:04 PM.
Quote from LovelyWater928 :
Same here, it's been two years, waiting for them to call me back

Did you complain to the OCC or the fed. Usually gets a better response
Reply

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Joined Jul 2013
L3: Novice
> bubble2 235 Posts
14 Reputation
WhatsTheDeal16
01-21-2025 at 06:15 PM.
01-21-2025 at 06:15 PM.
Not valid in MA
Reply
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