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

+16 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 June 26, 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 Overdraft Protection Transfer fee, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
Get started with an initial deposit of $25 within 30 days.

Slickdeals may be compensated by U.S. Bank

Original Post

Written by
Edited June 11, 2025 at 09:36 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 June 26, 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 Overdraft Protection Transfer fee, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
Get started with an initial deposit of $25 within 30 days.

Slickdeals may be compensated by U.S. Bank
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Created 05-22-2025 at 12:54 PM by EfficientGame645
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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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Joined Nov 2007
L5: Journeyman
> bubble2 555 Posts
340 Reputation
actionman1
06-08-2025 at 05:59 PM.
06-08-2025 at 05:59 PM.
Quote from Aerobane :
Depends on how much you want to get fkd by tax law for having a fake a business paying yourself.
From a person that has obviously never set up a business before... and possibly never paid taxes.
Reply
Joined May 2012
L5: Journeyman
> bubble2 1,354 Posts
67 Reputation
nova_and_onyx
06-10-2025 at 03:14 PM.
06-10-2025 at 03:14 PM.
Can I just transfer the money from my Wells Fargo account to this account and claim this 500 bonus?

Or does it need to be direct deposit from say an employer?
Reply
Joined Aug 2010
L9: Master
> bubble2 4,786 Posts
2,376 Reputation
Pro
b00gersugar
06-10-2025 at 03:36 PM.
06-10-2025 at 03:36 PM.
Quote from nova_and_onyx :
Can I just transfer the money from my Wells Fargo account to this account and claim this 500 bonus?

Or does it need to be direct deposit from say an employer?
same question. i'm self employed. i have an LLC but don't want to play games with the tax man over $450. was wondering if there is a way to move money from a personal account into this one to collect the bonus. was going ot open a usbank account anyway because they have a branch near me and i want to leave my current bank
Reply
Joined Dec 2017
L3: Novice
> bubble2 166 Posts
258 Reputation
SD2143
06-10-2025 at 04:18 PM.
06-10-2025 at 04:18 PM.
Worst Bank IMO for keeping the world. US Bank will try their best to deny the reward. Make sure you cover all your bases 100% and you have a confirmed invitation
Reply
Joined Feb 2014
L3: Novice
> bubble2 274 Posts
64 Reputation
slickdicks
06-10-2025 at 04:26 PM.
06-10-2025 at 04:26 PM.
Not a good price.
Reply
Joined Nov 2017
L5: Journeyman
> bubble2 745 Posts
716 Reputation
SDJP2020
06-10-2025 at 09:14 PM.
06-10-2025 at 09:14 PM.
Quote from SD2143 :
Worst Bank IMO for keeping the world. US Bank will try their best to deny the reward. Make sure you cover all your bases 100% and you have a confirmed invitation
Really? I did this a few weeks ago and the full 450 came through, they were even faster than Truist. They have a tracker for the bonus, and two pushes from my Fid CMA worked fine. See DoC dps for examples.

The issue is actually getting the account set up. If you are not in their "footprint" they will never accept you for checking. Instead start with Savings or CD, (optionally one of their good credit cards like the Cash+ or Altitudes) and then they will approve you for this.
Reply
Last edited by SDJP2020 June 10, 2025 at 09:16 PM.
Joined Jun 2009
L10: Grand Master
> bubble2 8,239 Posts
414 Reputation
Deal2go
06-10-2025 at 10:04 PM.
06-10-2025 at 10:04 PM.
payrolld eposit and met all the req and has been 5 months and still no bonus, keeps asking for another 2-3 months. scam!
Reply

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Joined Jan 2008
L3: Novice
> bubble2 123 Posts
62 Reputation
bugzpodder
06-11-2025 at 12:24 AM.
06-11-2025 at 12:24 AM.
Quote from SD2143 :
Worst Bank IMO for keeping the world. US Bank will try their best to deny the reward. Make sure you cover all your bases 100% and you have a confirmed invitation
I have a shared savings account ( forgot abount it) and then opened a checking account for the bonus. i thought they denied it for sure because of the shared account but got the bonus just a few months later. i'm really happy with usbank cuz they waive checking and saving fees without needing monthly direct deposit.
Reply
Joined Dec 2017
L3: Novice
> bubble2 166 Posts
258 Reputation
SD2143
06-11-2025 at 05:14 AM.
06-11-2025 at 05:14 AM.
Quote from bugzpodder :
I have a shared savings account ( forgot abount it) and then opened a checking account for the bonus. i thought they denied it for sure because of the shared account but got the bonus just a few months later. i'm really happy with usbank cuz they waive checking and saving fees without needing monthly direct deposit.

I'm glad it worked out for you guys and lucky.
In my case I was denied saying I was not invited.
Where I fulfill all requirements over a 3 month period. Then around the 5th month it was completely denied. I contacted customer service multiple times, where the offer was advertised on their website and said nothing about an invitation. Eventually I gave up. I will never deal with the US Bank due to this reason.
Reply
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