Update 6/25/26: $450 returned in this new relationship. Valid until September 8, 2026. (ht reader Elton)
Update 6/19/26: The $450 deal has ended, there is a new $400 deal, but I would recommend waiting for the $450 deal to return.
Update 4/8/26: Extends through June 18, 2026.
Update 3/4/26: Offer reverts to $450 until April 6, 2026 at this new connection (ht NBG)
Update 11/26/25: Offer back for up to $450 through January 28, 2026
Offer at a glance
- Maximum bonus amount: 450 dollars
- Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have one existing relationship)
- Direct deposit required: yes
- Additional requirements: ANY
- Hard/soft pull: Soft
- ChexSystems: Mixed data points
- Credit card financing: Can finance up to $250 with a credit card
- Monthly fees: $12, avoidable
- Early account closure fee: ANY
- Family boundary: ANY
- Expiration date:
January 28, 2026April 6, 2026September 8, 2026
Offers
Direct link to the offer | New connection | New connection
- US Bank offers a $450 bonus when you open a new Smart Checking account. The requirements are as follows:
- Check Bonus:
- Win $250 when your combined direct deposits total is between $3,000 and $4,999.99
- Earn $350 when your combined direct deposits total is between $5,000 and $7,999.99
- Win $450 when your combined total direct deposits are $8,000 or more.
- Check Bonus:
You must complete two or more direct deposits within 90 days that reach the aforementioned amount.
Fine Press
- US Bank Smartly® Checking Bonus: To qualify, you or any owner(s) on your new US Bank Smartly Checking Account cannot have an existing US Bank Consumer Checking Account, have a US Bank Consumer Checking Account in the past 12 months, or have received other checking bonus offers from US Bank within the past 12 months.
- You must also use promo code 2024JUL at account opening. To receive the bonus, you must open a new US Bank Smartly® Checking account with a minimum deposit of $25 online, at a branch or by phone from July 9, 2024 through and including September 26, 2024.
- Additionally, you must sign up for the US Bank mobile app or online banking within 90 days of opening your account.
- You must also complete two or more direct deposits within 90 days of opening your account totaling: $2,000 to $4,999.99 to earn the $250 bonus, $5,000 to $7,999.99 to earn the $350 bonus, or $8,000 or more to earn the $450 bonus.
- A direct deposit is an electronic deposit of your pay made through the Automated Clearing House (ACH) network or an electronic deposit of your government benefits, such as Social Security, from your employer or the government.
- Other electronic deposits or person-to-person payments are not considered direct deposit. Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days after the end of the calendar month during which you met all the offer requirements.
- The account must be open and have a positive balance to receive the bonus. The bonus will be reported as interest earned on IRS Form 1099-INT and the recipient is responsible for any applicable taxes. Offer cannot be combined with any other checking account bonus offer.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
US Bank Smartly has a $12 monthly fee, which is waived if you do any of the following:
- Have at least $1,500 in monthly direct deposits.
- Maintain a minimum average account balance of $1,500.
- Become an owner of an eligible small business checking account.
- Belong to a qualified customer group2 such as youth, young adults, seniors or the military.
- Qualify for Smart Rewards Gold Level or higher.
- Become the owner of a Smartly™️ Visa Signature® Debit Card or State Farm personal credit card for Alliance customers.
Early account termination fee
There are no early account termination fees to worry about
Our verdict
Unfortunately, not as good as the last $500 bonus. That being said this bonus is contingent (can’t have had an account within the last 12 months) which means it’s probably worth resetting that watch as soon as possible rather than waiting for a slightly bigger bonus to potentially come back. Because of this, we will be adding this to our list of best bank account bonuses.
Useful posts about bank bonuses:
