Note: This is a targeted offer, the terms state ‘Note: This offer is for the intended recipient and is non-transferable.’ It should show when you log in if you qualify
Offer at a glance
- Maximum bonus amount: 600 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: August 31, 2026
Offers
- US Bank offers a $600 bonus when you open a new Smart Checking account. The requirements are as follows:
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- Win $300 when your combined direct deposits total is between $4,000 and $7,999.99
- Win $600 when your combined total direct deposits are between $8,000+
Fine Press
- This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. The promotional offer can only be used once. The bonus will not be paid if the promotional code is received by the unintended recipient or if the promotional offer is received from a deal website.
- 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.
- To receive the bonus, you must open a new US Bank Smart Checking account either online through the promotional offer website, at a branch or over the phone by August 31, 2026.
- Account must be funded with at least $25 within 60 days of account opening to prevent closure. Your promotional offer will automatically apply if you open your account through the promotional offer website.
- 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 that total: $4,000 to $7,999.99 to earn the $300 bonus, or $8,000 or more to earn the $600 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 of completing all 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
Some people may be better off with public bonus depending on your direct deposits, but most people will be able to hit the highest level here.
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