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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
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+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 Feb 2007
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> bubble2 13,981 Posts
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sarcasmogratis
02-01-2025 at 12:09 PM.
02-01-2025 at 12:09 PM.
3 week old thread promoted back to the top of popular.
Kickback must be really good on this.
Too bad Slickdeals doesn't share any of the Cashback/bonus. Always better to shop around as other companies/sites do share the wealth.
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Joined Feb 2011
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> bubble2 923 Posts
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bageland2000
02-01-2025 at 02:07 PM.
02-01-2025 at 02:07 PM.
Quote from Gor32 :
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!
I just made a transfer from my Capital One savings and it shows as one of the two required deposits. So you don't need a regular DD for this to work. Lots of data points on various financial forums showing which banks have transfers that will count as a deposit on US Bank.
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Joined Feb 2011
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bageland2000
02-01-2025 at 02:09 PM.
02-01-2025 at 02:09 PM.
Quote from st4rburst :
Does the deposit need to sit there for a certain period of time or can I transfer out next day?
Every **checking** bank promo I've done has no requirement for leaving the money in for any period of time. You should have no issues transferring it right out. In the promo tracker, I got a green check one or two days after my first deposit, so I'd just wait for it to show that the deposit counted, and then you can transfer it out.
Reply
Last edited by bageland2000 February 1, 2025 at 07:28 PM.
Joined Jan 2007
EEEEZZZZZ
> bubble2 8,152 Posts
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dadab
02-01-2025 at 03:24 PM.
02-01-2025 at 03:24 PM.
Quote from bageland2000 :
I just made a transfer from my Capital One savings and it shows as one of the two required deposits. So you don't need a regular DD for this to work. Lots of data points on various financial forums showing which banks have transfers that will count as a deposit on US Bank.
I believe you but the terms clearly says otherwise, meaning it requires payroll DD. Can you point to other data points where people have confirmed that deposits from other accounts work? TIA.

This from their promo page:

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 deposit.
Reply
Joined Feb 2011
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bageland2000
02-01-2025 at 04:14 PM.
02-01-2025 at 04:14 PM.
Quote from dadab :
I believe you but the terms clearly says otherwise, meaning it requires payroll DD. Can you point to other data points where people have confirmed that deposits from other accounts work? TIA.

This from their promo page:

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 deposit.
Sure thing. This is the resource I used to check.

https://www.doctorofcredit.com/kn...-deposits/

I scrolled to U.S. Bank (1.15) and saw a bunch of data points that Capital One transfers triggered as qualifying deposits. I was skeptical too, but gave it a try. It worked to my surprise.
1
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Joined Jan 2007
EEEEZZZZZ
> bubble2 8,152 Posts
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dadab
02-01-2025 at 04:21 PM.
02-01-2025 at 04:21 PM.
Quote from bageland2000 :
Sure thing. This is the resource I used to check.

https://www.doctorofcredit.com/kn...-deposits/

I scrolled to U.S. Bank (1.15) and saw a bunch of data points that Capital One transfers triggered as qualifying deposits. I was skeptical too, but gave it a try. It worked to my surprise.

Thanks. I see Amex HYSA deposits reported to have worked. Will give it a try.
1
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Joined Jan 2024
Typing Cat
> bubble2 2,251 Posts
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WolfTheCat
02-01-2025 at 05:36 PM.
02-01-2025 at 05:36 PM.
Quote from bageland2000 :
Every bank promo I've done has no requirement for leaving the money in for any period of time. You should have no issues transferring it right out. In the promo tracker, I got a green check one or two days after my first deposit, so I'd just wait for it to show that the deposit counted, and then you can transfer it out.

It's common for brokerage promotions though.
Reply

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Joined Feb 2014
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ViT3633
02-01-2025 at 07:03 PM.
02-01-2025 at 07:03 PM.
US Bank is the only bank that ever denied applications for opening checking accounts (multiple times). The funny thing is that I have the Korean Air credit card with them already and my wife also had no issues in opening both a checking account and credit card.
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Joined Feb 2011
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bageland2000
02-01-2025 at 07:29 PM.
02-01-2025 at 07:29 PM.
Quote from WolfTheCat :
It's common for brokerage promotions though.

For sure. And HYSA promos. I just edited my post to be checking promos
Reply
Joined Jul 2006
L5: Journeyman
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kazaa916
02-01-2025 at 08:28 PM.
02-01-2025 at 08:28 PM.
Quote from sarcasmogratis :
3 week old thread promoted back to the top of popular.
Kickback must be really good on this.
Too bad Slickdeals doesn't share any of the Cashback/bonus. Always better to shop around as other companies/sites do share the wealth.

I would say at least 100 dollars kickback. Swag is offering that to members and it stacks..
1
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Joined Jul 2015
L1: Learner
> bubble2 101 Posts
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rathiram
02-01-2025 at 09:51 PM.
02-01-2025 at 09:51 PM.
Quote from wiebel03 :
If you open it through an affiliate link that pays cash back, you get an extra $80
Can you tell me which one?Roll Eyes (Sarcastic)
Reply
Joined Aug 2013
L6: Expert
> bubble2 1,083 Posts
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TalA9559
02-02-2025 at 12:04 AM.
02-02-2025 at 12:04 AM.
Quote from bageland2000 :
Every **checking** bank promo I've done has no requirement for leaving the money in for any period of time. You should have no issues transferring it right out. In the promo tracker, I got a green check one or two days after my first deposit, so I'd just wait for it to show that the deposit counted, and then you can transfer it out.

What promo tracker?
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Joined Feb 2011
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bageland2000
02-02-2025 at 03:47 AM.
02-02-2025 at 03:47 AM.
Quote from TalA9559 :
What promo tracker?

As others have already said in this thread, if you log into the app/webapp for US Bank and click on your checking account, there's a tracker for all the promotional requirements. It shows which you've achieved.
Reply
Joined Apr 2006
L10: Grand Master
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Tnyc
02-02-2025 at 06:22 AM.
02-02-2025 at 06:22 AM.
NYers? Forgettaboutit!
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Joined Nov 2014
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RriyaS
02-02-2025 at 07:15 AM.
02-02-2025 at 07:15 AM.
Reading the comments , I will now not fall for it
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