US Bank $450

U.S. Bank Smartly® Checking Bonus Offer

💰 Earn Up to $450

Open a new U.S. Bank Smartly® Checking account and complete qualifying activities to earn up to a $450 bonus.

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📅 Offer Deadline

• Apply by: June 18, 2026
• Make an opening deposit of at least $25 within 60 days

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📋 How to Earn Your Bonus

1. Open a New Account

• Open a new U.S. Bank Smartly® Checking account
• Apply through the promotional offer page

2. Enroll in Online or Mobile Banking

• Enroll within 90 days of account opening

3. Complete Direct Deposits

Within 90 days, receive at least two direct deposits totaling:

• $2,000 – $4,999.99 → Earn $250
• $5,000 – $7,999.99 → Earn $350
• $8,000+ → Earn $450

4. Receive Your Bonus

• Bonus deposited within 30 days after meeting all requirements

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✔️ Eligibility Requirements

Offer available only to customers who:

• Do NOT currently have a U.S. Bank consumer checking account
• Have NOT had one within the last 12 months
• Have NOT received another U.S. Bank checking bonus within the last 12 months

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💵 Qualifying Direct Deposits

Qualifying direct deposits include:

• Paychecks
• Government benefits
• ACH electronic deposits

Does NOT Qualify

• Person-to-person payments
• Other electronic transfers
• Non-ACH deposits

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⭐ Account Benefits

Digital Banking Tools

• Track spending
• Pay bills
• Transfer money
• Monitor finances

Smart Rewards®

• Debit card cash-back deals
• Discounts and rewards

Fee Waivers

• No monthly maintenance fee for the first 2 statement periods

Mobile Banking

• U.S. Bank Mobile App and online banking access

Overdraft Protection

• No overdraft fees for overdrafts of $50 or less

Family Banking

• Complimentary Greenlight account for kids

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💳 Monthly Maintenance Fee

• Standard monthly fee: $12

Ways to Waive the Fee

Meet one of the following:

• Maintain:
  • $1,500 average account balance
  • OR $1,500+ in monthly direct deposits
• Be:
  • Age 13–24
  • Age 65+
  • Military member
• Own eligible U.S. Bank accounts/cards
• Qualify for Smart Rewards® tiers

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📈 Interest Rates

Smartly® Checking APY

• 0.001% APY:

  • Balances from $0–$24,999.99

• 0.005% APY:

  • Balances of $25,000+

• Rates variable as of April 30, 2026

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📌 Additional Terms

• Account must remain open and have a positive balance to receive the bonus
• Bonus reported on IRS Form 1099-INT
• One bonus per eligible account
• Offer cannot be combined with other checking bonuses
• Offer availability may vary by location

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⚠️ Important Notes

• Offer may change or end at any time
• Other restrictions and account terms apply
• Fees may reduce earnings on the account