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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
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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
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Created 01-07-2025 at 04:16 PM by EfficientGame645
in Finance (6) Get U.S. Bank - Bank Advertiser coupons
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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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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 Apr 2010
L3: Novice
> bubble2 276 Posts
28 Reputation
arram
02-03-2025 at 06:08 AM.
02-03-2025 at 06:08 AM.
Quote from Venom213 :
Won't pay until hits full amount required

So they wait until 90 days to see if you can hit 8k and if you don't they give you lower tier ? As soon as you hit 8k before 90 days is when they pay you? Then you can close right after ?
Reply
Joined Apr 2014
L2: Beginner
> bubble2 33 Posts
88 Reputation
piccbeam
02-03-2025 at 07:09 AM.
02-03-2025 at 07:09 AM.
I was able to make an extra $5 since they let me fund my initial deposit with my 2% back rewards CC. I checked my CC statement, and the transaction was coded as "Mortgage/Financial Services '0000'" (and not as a cash advance so there weren't extra fees). I also liked how they clearly let me know the promo was applied in two different places of the app process and that, as others have mentioned, I can see my promo tracker once I set up online access.
Reply
Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
02-03-2025 at 11:27 AM.
02-03-2025 at 11:27 AM.
Quote from arram :
So they wait until 90 days to see if you can hit 8k and if you don't they give you lower tier ? As soon as you hit 8k before 90 days is when they pay you? Then you can close right after ?

I'm not sure with this bank specifically I'll let someone else answer for you!
2
Reply
Joined May 2021
L2: Beginner
> bubble2 37 Posts
14 Reputation
AquaField4492
02-03-2025 at 11:56 AM.
02-03-2025 at 11:56 AM.
Note that if you keep $100k there and get the Smartly credit card it gets 4% back on everything which is basically unicorn status.
Reply
Joined Jun 2013
L5: Journeyman
> bubble2 555 Posts
42 Reputation
jontalk
02-03-2025 at 11:57 AM.
02-03-2025 at 11:57 AM.
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.
Good luck..I had two accounts with them (personal/business) and they closed the business account 3 weeks after opening it and the personal account a month later WITHOUT any explanation..The worst bank I've ever done business with..Buyer beware
Reply
Joined Aug 2023
New User
> bubble2 10 Posts
10 Reputation
SanthuWilly
02-03-2025 at 12:24 PM.
02-03-2025 at 12:24 PM.
Not offering in Florida.
Reply
Joined Feb 2011
L5: Journeyman
> bubble2 735 Posts
202 Reputation
nautilii
02-03-2025 at 12:27 PM.
02-03-2025 at 12:27 PM.
Quote from jontalk :
Good luck..I had two accounts with them (personal/business) and they closed the business account 3 weeks after opening it and the personal account a month later WITHOUT any explanation..The worst bank I've ever done business with..Buyer beware
After dealing with US Bank's shenanigans when they handled covid unemployment payments in my state, I would never let them hold onto my money lol.
Reply

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Joined Feb 2011
L5: Journeyman
> bubble2 735 Posts
202 Reputation
nautilii
02-03-2025 at 12:58 PM.
02-03-2025 at 12:58 PM.
Quote from AquaField4492 :
Note that if you keep $100k there and get the Smartly credit card it gets 4% back on everything which is basically unicorn status.
If I had $100k sitting idle I'd rather just plop it in a CD and get 4.5% guaranteed on the entire 100k than keep it in a 0% interest account and do the monthly payoff dance to get 4% on just my purchases. But if you live in a world where you are able to make $10k/mo in CC purchases and need the 100k liquid (like imminently purchasing a house) maybe it makes sense?
Reply
Joined May 2021
L2: Beginner
> bubble2 37 Posts
14 Reputation
AquaField4492
02-03-2025 at 01:03 PM.
02-03-2025 at 01:03 PM.
Quote from nautilii :
If I had $100k sitting idle I'd rather just plop it in a CD and get 4.5% guaranteed on the entire 100k than keep it in a 0% interest account and do the monthly payoff dance to get 4% on just my purchases. But if you live in a world where you are able to make $10k/mo in CC purchases and need the 100k liquid (like imminently purchasing a house) maybe it makes sense?

Their savings counts, it's not 4.5 tho
Reply
Joined Feb 2011
L5: Journeyman
> bubble2 735 Posts
202 Reputation
nautilii
02-03-2025 at 01:10 PM.
02-03-2025 at 01:10 PM.
Quote from AquaField4492 :
Their savings counts, it's not 4.5 tho
Yeah I see now that there's a "relationship rate" of up to 3.5% apy when you also have their visa. That's a hell of a lot better than the 0.005% if you don't lol. Makes a lot more sense.
Reply
Joined Jan 2008
L2: Beginner
> bubble2 79 Posts
18 Reputation
starvuward
02-04-2025 at 10:43 PM.
02-04-2025 at 10:43 PM.
Quote from DrMetal99 :
My debit card expired with $1300 in the savings. They said they would send me a check with those funds. I waited 30 days and contacted them and they claim the account is considered inactive and they can't issue a new debit card nor issue me a check for my balance. I never had a bank refuse to let me withdraw my own money. I dont trust USBank.

They may have "escheated" the money which means if an account is inactive they will turn the money over to the state. Suggest googling - unclaimed funds and state you live in and then enter your data to see if that or other funds are there.

Here is California link for reference.

https://www.sco.ca.gov/search_upd.html
Reply
Joined Jan 2008
L6: Expert
> bubble2 1,468 Posts
393 Reputation
firstrival
02-04-2025 at 11:03 PM.
02-04-2025 at 11:03 PM.
One of the qualifying activities is them screwing customers out of the bonus.
Reply
Joined Jun 2008
L6: Expert
> bubble2 1,224 Posts
428 Reputation
Nuieve
02-06-2025 at 02:30 PM.
02-06-2025 at 02:30 PM.
I got this bonus right after I got my last qualifying direct draft. Didn't have to call anybody.

I had to follow the specific link and when I was signing up it had that "450 promo" officially listed as added to my account (don't remember where exactly but I didn't have to search hard for it). If you don't see it, I suggest you restart the application with the correct link or something otherwise you'll probably not gonna get it.
Reply
Joined Nov 2011
L4: Apprentice
> bubble2 313 Posts
76 Reputation
ucoocho
02-07-2025 at 09:17 AM.
02-07-2025 at 09:17 AM.
I just got a direct deposit from my work into the us bank checking amount, but they are classifying it as a normal electronic deposit instead of a direct deposit. Is anyone else experiencing this?
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Joined Sep 2011
L3: Novice
> bubble2 167 Posts
14 Reputation
yankeefan
02-13-2025 at 11:32 AM.
02-13-2025 at 11:32 AM.
So how long is the wait if you took a previous promo and closed account
Reply
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