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

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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 June 26, 2025. Member FDIC.

Earn up to $400 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.

Slickdeals may be compensated by U.S. Bank
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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 Sep 2021
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> bubble2 8 Posts
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FaithfulWater640
05-22-2025 at 08:09 PM.
05-22-2025 at 08:09 PM.
Got a mail offer today from US Bank saying $10,000 or more to earn $500
Reply
Joined Mar 2005
L6: Expert
> bubble2 1,415 Posts
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graymen2
05-22-2025 at 08:42 PM.
05-22-2025 at 08:42 PM.
Quote from FaithfulWater640 :
Got a mail offer today from US Bank saying $10,000 or more to earn $500

Did they provide a promo code?
Reply
Joined Jul 2016
L7: Teacher
> bubble2 2,581 Posts
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Meribela_S
05-22-2025 at 08:44 PM.
05-22-2025 at 08:44 PM.
Quote from FaithfulWater640 :
Got a mail offer today from US Bank saying $10,000 or more to earn $500

Interested if there's a code too
Reply
Joined Jan 2024
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> bubble2 2,192 Posts
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WolfTheCat
Yesterday at 02:19 AM.
Yesterday at 02:19 AM.
Good deal. Few points:

- Doctor of Credit indicates that transfers from several banks and brokerages may count as direct deposits. However, there no guarantees on that, ever - real direct deposits are always better because if the don't work you can complain to the bank. If a transfer that shouldn't have worked doesn't work, well, you get what you get. https://www.doctorofcredit.com/kn...s/#US_Bank

- Wells Fargo is offering $400 on $3k in DD. Much lower DD requirement. However, no reason you can't do both! https://accountoffers.wellsfargo....comebonus/
Reply
Last edited by WolfTheCat May 23, 2025 at 02:21 AM.
Joined Jan 2016
L3: Novice
> bubble2 269 Posts
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sharartimunda
Yesterday at 01:23 PM.
Yesterday at 01:23 PM.
Quote from WolfTheCat :
Good deal. Few points:

- Doctor of Credit indicates that transfers from several banks and brokerages may count as direct deposits. However, there no guarantees on that, ever - real direct deposits are always better because if the don't work you can complain to the bank. If a transfer that shouldn't have worked doesn't work, well, you get what you get. https://www.doctorofcredit.com/kn...s/#US_Bank [doctorofcredit.com]

- Wells Fargo is offering $400 on $3k in DD. Much lower DD requirement. However, no reason you can't do both! https://accountoffers.wellsfargo....comebonus/ [wellsfargo.com]
If you have a business checking you can usually pay employees and that will count as DD. I will confirm if it works (it always has in the past w chase biz chking)
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Joined Jan 2024
Typing Cat
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WolfTheCat
Yesterday at 03:26 PM.
Yesterday at 03:26 PM.
Quote from sharartimunda :
If you have a business checking you can usually pay employees and that will count as DD. I will confirm if it works (it always has in the past w chase biz chking)
It should. If you have a business and pay employees, that is a direct deposit.

Setting yourself up as an employee is legit, but I don't want to think about the tax implications. Too complicated for me. I'll stick with personal accounts.
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