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

+26 Deal Score
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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

Written by
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
124,761 Views
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 Jan 2015
peeing outdoors
> bubble2 1,888 Posts
939 Reputation
khronos
01-21-2025 at 06:23 PM.
01-21-2025 at 06:23 PM.
Quote from ZeeOhhSix :
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.
I bet the CFPB will be gone within two weeks.
2
Reply
Joined Jan 2015
peeing outdoors
> bubble2 1,888 Posts
939 Reputation
khronos
01-21-2025 at 06:29 PM.
01-21-2025 at 06:29 PM.
Quote from Thatoneguythere :
Still waiting on US Bank to give me my $400 bonus for the prior promo that required two deposits totaling more than $5000.
how long you been waiting? What does the bonus tracker say?


Quote from LeeJ4041 :
does ACH transfer from another bank considered "direct deposit" for US Bank?

mine did. Used Chase bank in April of last year
1
Reply
Joined Nov 2017
L7: Teacher
> bubble2 2,085 Posts
198 Reputation
twiggy_alien_man
01-21-2025 at 06:58 PM.
01-21-2025 at 06:58 PM.
Quote from skullaria :
All these bank deals suck if you have $$ to get the bonus, but not a regular job or check.

Has money... but "not a regular job".

Sounds legit.
1
1
Reply
Joined Apr 2015
L5: Journeyman
> bubble2 949 Posts
84 Reputation
TPMJB
01-21-2025 at 08:01 PM.
01-21-2025 at 08:01 PM.
I live nowhere near a US bank, but I have two of their credit cards. I had a ton of overtime one paycheck so I went just a hair over the 8K with my first deposit. They...paid me even though I didn't have a second deposit? They paid before my second paycheck lol.

I pretty much only have it open now to pay my US Bank credit cards since it's instant lol.
Reply
Joined Mar 2017
L3: Novice
> bubble2 176 Posts
30 Reputation
MaxHa
01-21-2025 at 08:55 PM.
01-21-2025 at 08:55 PM.
Quote from ZeeOhhSix :
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.
Definitely not for long lmao
2
Reply
Joined May 2005
L3: Novice
> bubble2 152 Posts
27 Reputation
TheNYCCharles
01-22-2025 at 09:16 AM.
01-22-2025 at 09:16 AM.
Just get their credit card, $750 if you spent $6000 in 6 months.
Reply
Joined Oct 2017
L6: Expert
> bubble2 1,556 Posts
140 Reputation
Gor32
01-22-2025 at 10:59 AM.
01-22-2025 at 10:59 AM.
Quote from skullaria :
All these bank deals suck if you have $$ to get the bonus, but not a regular job or check.

You can have a good job, but by the time you pay heath ins, HSA, IRA...no go for most of these deals.
I agree, it sucks!
Reply

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Joined Jun 2013
L6: Expert
> bubble2 1,529 Posts
1,033 Reputation
Pro
boofat
01-22-2025 at 11:48 AM.
01-22-2025 at 11:48 AM.
Quote from LeeJ4041 :
does ACH transfer from another bank considered "direct deposit" for US Bank?
https://www.doctorofcredit.com/kn...s/#US_Bank
1
Reply
Joined Nov 2017
L2: Beginner
> bubble2 417 Posts
368 Reputation
sinsanamano
01-22-2025 at 01:26 PM.
01-22-2025 at 01:26 PM.
whats the benefit if we pay tax 30% out of it so stupid at the end of year
1
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Joined Jan 2024
Typing Cat
> bubble2 2,251 Posts
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Pro
WolfTheCat
01-22-2025 at 01:31 PM.
01-22-2025 at 01:31 PM.
Quote from sinsanamano :
whats the benefit if we pay tax 30% out of it so stupid at the end of year

The benefit is the other 70%.

Btw, credit card sign up bonuses are not taxable.

Brokerage and bank account bonuses are.
Reply
Joined Nov 2017
L2: Beginner
> bubble2 417 Posts
368 Reputation
sinsanamano
01-22-2025 at 01:33 PM.
01-22-2025 at 01:33 PM.
Quote from WolfTheCat :
The benefit is the other 70%.
instead i would go with credit card deals for 100% back
Reply
Joined Jan 2024
Typing Cat
> bubble2 2,251 Posts
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WolfTheCat
01-22-2025 at 01:37 PM.
01-22-2025 at 01:37 PM.
Quote from sinsanamano :
instead i would go with credit card deals for 100% back

Why instead?

The deals are independent of each other.

You can get both credit card and banking/brokerage bonuses.
Reply
Joined Dec 2010
L6: Expert
> bubble2 1,454 Posts
500 Reputation
yuyak
01-22-2025 at 02:54 PM.
01-22-2025 at 02:54 PM.
Quote from TheNYCCharles :
Just get their credit card, $750 if you spent $6000 in 6 months.
Which credit card is that? I don't see it on their webiste
Reply
Joined Oct 2016
L5: Journeyman
> bubble2 747 Posts
107 Reputation
st4rburst
01-22-2025 at 05:58 PM.
01-22-2025 at 05:58 PM.
Does the deposit need to sit there for a certain period of time or can I transfer out next day?
Reply

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Joined Feb 2021
L3: Novice
> bubble2 184 Posts
38 Reputation
EagerLanguage6193
01-23-2025 at 09:12 PM.
01-23-2025 at 09:12 PM.
Don't give US Bank any money. Horrible corporation.
Reply
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