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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 11:35 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 05:16 PM by EfficientGame645
in Finance (6) U.S. Bank - Bank Advertiser
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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 May 2022
L99: Jack of All Trades
> bubble2 1,031 Posts
133 Reputation
Venom213
02-13-2025 at 02:03 PM.
02-13-2025 at 02:03 PM.
Quote from yankeefan :
So how long is the wait if you took a previous promo and closed account

12 months check doc site for more details
Reply
Joined Dec 2004
L7: Teacher
> bubble2 2,228 Posts
2,349 Reputation
Mungo
02-13-2025 at 03:34 PM.
02-13-2025 at 03:34 PM.
How long do you have to leave the account open to avoid account closing fees?
Reply
Joined Nov 2016
L6: Expert
> bubble2 1,294 Posts
103 Reputation
nksduser
02-13-2025 at 05:13 PM.
02-13-2025 at 05:13 PM.
Got rejected, no reason given. Lol. I've never been rejected for credit but a bank account application was denied. 🙅
Reply
Joined Jan 2005
L2: Beginner
> bubble2 99 Posts
13 Reputation
Tenderlovingbeef
02-13-2025 at 07:45 PM.
02-13-2025 at 07:45 PM.
3 months and still waiting for my bonus. Stuck perpetually making the minimum Direct deposits to avoid the 6.95 maintainance fee.
Reply
Joined Dec 2014
L3: Novice
> bubble2 529 Posts
274 Reputation
wnpstm85
02-13-2025 at 08:06 PM.
02-13-2025 at 08:06 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.

Did this. Got 15k limit. Wtf, appealed got up to 25. Went to local branch rep got on phone with back end and got it to 50. Was hoping for 100 at minimum. Trying to wean off Amex gold with devaluation into Schwab.
Reply
Joined Dec 2014
L3: Novice
> bubble2 529 Posts
274 Reputation
wnpstm85
02-13-2025 at 08:10 PM.
02-13-2025 at 08:10 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?

The savings pays 3.5. I got 50k limit which I hit already (business use). Lose 1% on cd but gain min of 2% vs good cash back card. I'm coming out ahead about $980 a month vs double cash and 4.5% cd with 100,000
Reply
Joined Nov 2011
L3: Novice
> bubble2 145 Posts
22 Reputation
CoolAndy2000
02-13-2025 at 08:57 PM.
02-13-2025 at 08:57 PM.
by when we must have closed previous account?
Reply

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Joined Jan 2008
L3: Novice
> bubble2 137 Posts
66 Reputation
Pro
bugzpodder
02-14-2025 at 01:06 AM.
02-14-2025 at 01:06 AM.
Quote from nksduser :
Got rejected, no reason given. Lol. I've never been rejected for credit but a bank account application was denied. 🙅
i got rejected twice (once for trying to open a usbank savings)! but call them and they will verify you and confirm your application apparently.
Reply
Joined Mar 2018
Member
> bubble2 318 Posts
GDBF
02-14-2025 at 08:07 AM.
02-14-2025 at 08:07 AM.
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?
You can put it in a CD from Capital One and that will count and get you the 4% back on the Smartly Visa.
Reply
Joined Jul 2009
L∞: Ascended
> bubble2 1,115 Posts
571 Reputation
Pro
rm-rf
02-14-2025 at 02:33 PM.
02-14-2025 at 02:33 PM.
I've learned to avoid USBank offers. They never pay out. Always pull some bullshit.
Reply
Joined Nov 2016
L6: Expert
> bubble2 1,294 Posts
103 Reputation
nksduser
02-14-2025 at 06:57 PM.
02-14-2025 at 06:57 PM.
Quote from bugzpodder :
i got rejected twice (once for trying to open a usbank savings)! but call them and they will verify you and confirm your application apparently.
beats the purpose of "online" application. can't trust their system enough to assume that the bonus will hit the account on time.
Reply
Joined Nov 2015
L2: Beginner
> bubble2 29 Posts
10 Reputation
Abbby
02-16-2025 at 08:49 AM.
02-16-2025 at 08:49 AM.
Quote from nksduser :
Got rejected, no reason given. Lol. I've never been rejected for credit but a bank account application was denied. 🙅

lol. Same boat.
Reply
Joined Oct 2014
L2: Beginner
> bubble2 25 Posts
10 Reputation
TomB7937
02-16-2025 at 03:53 PM.
02-16-2025 at 03:53 PM.
Quote from IndigoNose211 :
Open another type of account first - such as saving or credit card which is available nationwide. Then as an existing customer, you can open a checking.
Did a $500 1 month CD
Reply
Joined Mar 2014
L3: Novice
> bubble2 128 Posts
30 Reputation
jegibby
02-18-2025 at 10:05 PM.
02-18-2025 at 10:05 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?
No it doesn't but don't spoil the fantasy!
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Joined Mar 2014
L3: Novice
> bubble2 128 Posts
30 Reputation
jegibby
02-18-2025 at 10:07 PM.
02-18-2025 at 10:07 PM.
Quote from BaconOnWheels :
They'll be gone anytime soon, Elon overseeing that part of the Gov now
Do you own an EV? That got a subsidy from .gov?? Just curious because that was Elon too. Sooo let's not be hypocritical is all I am saying
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