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

+6 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 November 5, 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. Offer may not be available if you are an existing U.S. Bank customer or live outside the U.S. Bank footprint.

Slickdeals may be compensated by U.S. Bank
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Created 08-01-2025 at 09:55 AM by LD7 | Staff
in Finance 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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Joined Apr 2006
L6: Expert
> bubble2 1,145 Posts
232 Reputation
madshakes
08-01-2025 at 04:07 PM.
08-01-2025 at 04:07 PM.
do paypal transfers count as direct deposits?
Reply
Joined Sep 2013
New User
> bubble2 73 Posts
10 Reputation
xTyDiRiUmx
08-01-2025 at 07:34 PM.
08-01-2025 at 07:34 PM.
Not available to NJ residents is it? Think last time I tried I was denied because I lived in NJ
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Joined Dec 2016
New User
> bubble2 17 Posts
10 Reputation
karmum
08-03-2025 at 12:20 PM.
08-03-2025 at 12:20 PM.
Quote from xTyDiRiUmx :
Not available to NJ residents is it? Think last time I tried I was denied because I lived in NJ

I got around this by opening up a money market account in June then a checking like 2 weeks later in July. I'm in the DMV area with no branches.

Bonus pays out quickly after pushing from your bank account to US Bank and tracker tells you within a day or so if it counts.
Reply
Joined Mar 2007
L5: Journeyman
> bubble2 530 Posts
43 Reputation
kipper99
09-15-2025 at 01:36 PM.
09-15-2025 at 01:36 PM.
Quote from xTyDiRiUmx :
Not available to NJ residents is it? Think last time I tried I was denied because I lived in NJ
US bank is one of the banks that won't open accounts outside of it's service area.
Reply
Joined Nov 2007
L5: Journeyman
> bubble2 577 Posts
344 Reputation
actionman1
09-15-2025 at 02:11 PM.
09-15-2025 at 02:11 PM.
I did this in June on a combination of ebay sales directed to the USbank account and a transfer, of I think $2k, from my chase checking account via linking them together.

(got the $450)
Reply
Joined Aug 2006
L2: Beginner
> bubble2 736 Posts
86 Reputation
jeffkhlam
09-15-2025 at 04:11 PM.
09-15-2025 at 04:11 PM.
Quote from kipper99 :
US bank is one of the banks that won't open accounts outside of it's service area.
Get their credit card first, then apply checking.
Reply
Joined Jun 2014
L2: Beginner
> bubble2 67 Posts
30 Reputation
dogmarcopolo
09-15-2025 at 06:43 PM.
09-15-2025 at 06:43 PM.
Quote from actionman1 :
I did this in June on a combination of ebay sales directed to the USbank account and a transfer, of I think $2k, from my chase checking account via linking them together.

(got the $450)
how would like work? according to the application page: "A direct deposit is a regularly-occurring electronic deposit of your paycheck or government benefits, such as Social Security. Other electronic deposits or person-to-person payments are not considered a direct deposit" Confused
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Joined Nov 2007
L5: Journeyman
> bubble2 577 Posts
344 Reputation
actionman1
09-15-2025 at 09:23 PM.
09-15-2025 at 09:23 PM.
Quote from dogmarcopolo :
how would like work? according to the application page: "A direct deposit is a regularly-occurring electronic deposit of your paycheck or government benefits, such as Social Security. Other electronic deposits or person-to-person payments are not considered a direct deposit" Confused
All I know is that it worked. I think my ebay sales payments were 'logged' in as direct deposits while my bank transfer qualified as a "ACH deposit" too.
Somehow i got the $450 bonus on 6k-ish ebay sales... and a 2k Chase deposit.

https://www.doctorofcredit.com/u-...ing-bonus/ (talks about what works for deposits...if I can add the link)
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Joined May 2025
New User
> bubble2 5 Posts
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workflowjoel
10-14-2025 at 05:47 AM.
10-14-2025 at 05:47 AM.
I did this with the U.S. BANK SHOPPER CASH REWARDS® VISA SIGNATURE® CARD deal they had going on and got $650 in total (they have upped the amount since I did it). I already closed the checking account and will transfer over to a different credit card when the annual fee kicks in.
Reply
Joined Dec 2006
L5: Journeyman
> bubble2 773 Posts
776 Reputation
asinclado
10-14-2025 at 05:54 AM.
10-14-2025 at 05:54 AM.
if you have a us bank credit card they will let you open an account with them even if you are not in a state they cover
Reply
Joined Nov 2014
L2: Beginner
> bubble2 82 Posts
21 Reputation
Mike45698
10-15-2025 at 03:16 AM.
10-15-2025 at 03:16 AM.
Terrible company. Their smartly credit card was the worst rollout in banking history. I wouldn't trust these clowns with my money.
Reply
Joined Sep 2018
New User
> bubble2 7 Posts
10 Reputation
BraveLocket312
10-15-2025 at 05:21 PM.
10-15-2025 at 05:21 PM.
Scam! My wife has been waiting for over a year for her promo last year. Their promo teams is awful
Reply
Joined Feb 2010
L3: Novice
> bubble2 218 Posts
40 Reputation
bolsonator
10-15-2025 at 05:52 PM.
10-15-2025 at 05:52 PM.
They never paid up from the last offer... pass
Reply
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