U.S. Bank Smartly Checking
- Bonus
- Up to $450 ($250 for $2,000+, $350 for $5,000+, $450 for $8,000+)
- To qualify
- Up to $450 with $8,000 in direct deposit within 90 days
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Anyone in the US, online
- Monthly fee
- $12 a month, waived with $1,500 or more in direct deposits a month
- When the bonus is paid
- Within about 30 days after you finish the requirements
- Keep it open
- At least until the bonus posts. U.S. Bank's offer doesn't list a penalty for closing early, but some banks take the bonus back within 6 months, so 6 months is the safe choice.
- Past customers
- Not eligible if you got a U.S. Bank checking bonus in the last 12 months
- Open by
- November 10, 2026
Good to know: Apply through the offer page's Apply buttons or the bonus won't attach. Fee waived the first 2 statement periods.
U.S. Bank says the offer may not be available outside its branch footprint. Confirm at application.
Checked against U.S. Bank's own terms on October 19, 2026.