Bank

U.S. Bank Smartly Checking Bonus — Up to $450

Bonus Tiers

Deposit	Bonus
$2,000–$4,999.99 in direct deposits	$250
$5,000–$7,999.99 in direct deposits	$350
$8,000 or more in direct deposits	$450

Qualifying Period

Within 90 days of account opening

Payout

Within 30 days of completing requirements

Requirements

✓Open new U.S. Bank Smartly Checking account
✓Minimum opening deposit of $25 within 60 days
✓Enroll in U.S. Bank Mobile App or online banking within 90 days
✓Complete two or more direct deposits within 90 days totaling at least $2,000
✓Initial deposit of $25 within 60 days
✓Complete two or more direct deposits within 90 days totaling the tier amount
✓Initial deposit of $25 within 60 days of account opening
✓Complete two or more direct deposits totaling the specified amount within 90 days
✓$25 minimum opening deposit within 60 days of account opening
✓Complete two or more direct deposits within 90 days totaling the specified amount
✓Open a new U.S. Bank Smartly® Checking account
✓Make an opening deposit of at least $25 within 30 days
✓Fund account with at least $25 within 30 days
✓Complete two or more direct deposits within 90 days totaling the required amount for bonus tier
✓Open new U.S. Bank Smartly Checking account by June 18, 2026
✓Fund account with minimum $25 within 30 days of opening
✓Complete two or more direct deposits within 90 days that meet the tier amount
✓Open U.S. Bank Smartly Checking account
✓Minimum deposit of $25 within 30 days
✓Complete 2+ direct deposits within 90 days totaling $2,000+ (amount determines tier)
✓Open new U.S. Bank Smartly Checking account online, in branch, or by phone
✓Minimum opening deposit of $25 within 30 days
✓Complete two or more direct deposits within 90 days totaling specified amount ($2,000+)
✓Open new U.S. Bank Smartly® Checking account
✓Open a new U.S. Bank Smartly Checking account with a minimum deposit of $25
✓Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening
✓Complete two or more direct deposits within 90 days totaling the qualifying amount

Restrictions

⚠New customers only
⚠Cannot have existing U.S. Bank consumer checking account
⚠Cannot have had U.S. Bank consumer checking account in last 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus offers in past 12 months
⚠One bonus per eligible account
⚠Cannot be combined with other checking bonuses
⚠Cannot have had a U.S. Bank consumer checking account in the last 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus offers within the past 12 months
⚠One per eligible account
⚠May not be available outside U.S. Bank footprint
⚠New customer only — cannot have an existing U.S. Bank consumer checking account or have had one in the last 12 months
⚠Not available through Alliance partnerships or with Trust Accounts
⚠New customers only - cannot have had a U.S. Bank consumer checking account in the last 12 months
⚠Offer may not be combined with other checking account bonus offers
⚠Not available with Trust Accounts
⚠May not be available outside of U.S. Bank footprint
⚠New customers only — cannot have an existing U.S. Bank consumer checking account
⚠Only available to customers within U.S. Bank's geographic footprint
⚠Not available through Alliance partnerships or Trust Accounts
⚠New customers only — cannot have had a U.S. Bank consumer checking account in the last 12 months
⚠Cannot have received another U.S. Bank consumer checking bonus within the past 12 months
⚠Only available within U.S. Bank footprint (excludes NY, FL, and states without U.S. Bank branches unless existing relationship)
⚠One checking bonus per eligible account
⚠New U.S. Bank Smartly Checking customers only
⚠Cannot have an existing U.S. Bank consumer checking account
⚠Cannot have had a U.S. Bank consumer checking account in the past 12 months
⚠Offer may not be available outside U.S. Bank's geographic footprint
⚠Not available through Alliance partnerships
⚠Limit one checking bonus per eligible account
⚠New customers only — cannot have existing U.S. Bank consumer checking account
⚠Cannot have received other U.S. Bank consumer checking bonus in last 12 months
⚠Only available in U.S. Bank footprint
⚠Offer may not be available outside U.S. Bank footprint
⚠Offer not available through Alliance partnerships
⚠Offer not available with Trust Accounts
⚠New customers only (no existing U.S. Bank consumer checking account)
⚠Only available in U.S. Bank's footprint (certain states excluded)
⚠New customers only — cannot have an existing U.S. Bank consumer checking account, had one in the last 12 months, or received other U.S. Bank consumer checking bonus offers within the past 12 months
⚠Offer may not be available if you live outside of the U.S. Bank footprint

Fees

$12 monthly maintenance fee (waivable with minimum balance, direct deposits, or credit card ownership)
$12 monthly maintenance fee (waivable with balance or direct deposit requirements)
$12 monthly maintenance fee (waivable with $1,500 average balance, $1,500+ monthly direct deposits, eligible credit card, Smart Rewards Gold tier, military/youth/senior status, or eligible business account ownership)
$12 monthly maintenance fee (waived for first two statement periods)
$12 monthly maintenance fee (waivable with qualifying direct deposits or credit card link)
$12 monthly fee (waivable with $1,500 monthly direct deposits, $1,500 minimum balance, eligible customer group status, or other qualifying criteria)
$12 monthly maintenance fee (waivable with $1,500 average balance, $1,500 in monthly direct deposits, or eligible U.S. Bank credit card)
$12 monthly maintenance fee (waived first 2 statement periods)
$12 monthly maintenance fee (waivable with $1,500+ direct deposits, $1,500+ average balance, eligible U.S. Bank credit card, or Smart Rewards tiers)
$12 monthly maintenance fee (waivable with certain conditions)
$12 monthly maintenance fee (waived if: average balance ≥$1,500, combined monthly direct deposits ≥$1,500, owner of U.S. Bank Smartly Visa Signature Card, Smart Rewards Gold Tier or above, eligible customer group member, or eligible small business checking account owner)

Bonus reported as interest on IRS form 1099-INT
Account must be open with positive balance to receive bonus
Direct deposit is limited to ACH network paycheck deposits or government benefits like Social Security
Account must remain open with positive balance to receive bonus
Direct deposits must be from employer or government (ACH network); person-to-person transfers do not count
Bonus reported as interest earned on IRS Form 1099-INT
Direct deposits must be electronic payroll deposits or government benefits (ACH); person-to-person payments and transfers from other banks do not qualify
Direct deposits must be electronic paycheck deposits or government benefits; person-to-person payments do not qualify
Bonus is reported as interest on IRS Form 1099-INT
Account must remain open with a positive balance to receive the bonus
Bonus is reported as adjusted interest/interest earned on IRS Form 1099-INT
Offer may not be combined with other checking account bonus offers
Limit one checking bonus per eligible account
Bonus credited as 'adjusted interest' and reported on IRS Form 1099-INT
Cannot be combined with other U.S. Bank checking account bonus offers
Direct deposit must be electronic deposit of paycheck via ACH network or government benefits (Social Security). Other electronic deposits or person-to-person payments do not count.
Bonus reported as interest earned on IRS Form 1099-INT; recipient responsible for applicable taxes
Direct deposit must be paycheck or government benefits (Social Security, etc.) via ACH — other electronic transfers or P2P payments don't qualify
Account must remain open and have positive balance to receive bonus
Offer may not be combined with other checking bonuses
Direct deposits must be regular electronic deposits of paycheck or government benefits (Social Security, etc.) made through ACH network
Other electronic deposits or person-to-person payments do not qualify
Bonus credited as adjusted interest and reported on IRS Form 1099-INT
Cannot be combined with other checking account bonus offers
Account must be open and have positive balance to receive bonus
Bonus is treated as interest (adjusted interest credit) and reported on IRS Form 1099-INT
Offer may not be combined with any other checking account bonus offers

Sign-Up Bonus

$450

View Promo Terms →

Offer expires September 7, 2026

Last updated July 1, 2026

Saved source PDFs

Jul 1, 2026Change detected

Signup page DownloadTerms pagechangedDownload

Jun 25, 2026

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Discussion

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How to evaluate U.S. Bank Smartly Checking Bonus

Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.

More bank bonuses →All U.S. Bank offers →Maximize bank bonuses →Direct deposit bonus guide →

Qualification checklist

Timing

Qualifying period: Within 90 days of account opening
Payout timeline: Within 30 days of completing requirements

How to qualify

Open new U.S. Bank Smartly Checking account
Minimum opening deposit of $25 within 60 days
Enroll in U.S. Bank Mobile App or online banking within 90 days
Complete two or more direct deposits within 90 days totaling at least $2,000

Common pitfalls

New customers only
Cannot have existing U.S. Bank consumer checking account
Cannot have had U.S. Bank consumer checking account in last 12 months
Cannot have received other U.S. Bank consumer checking bonus offers in past 12 months

What makes this offer different

What makes this bank offer different

This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.

Bonus value versus similar offers

The sign-up bonus is below the current nearby $1,750 median, so the requirements and any referral or portal stack matter more.

Requirement clarity

Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.

Frequently Asked Questions

When does U.S. Bank Smartly Checking Bonus expire?

U.S. Bank Smartly Checking Bonus expires on September 7, 2026.

How long do I have to qualify for U.S. Bank Smartly Checking Bonus?

The qualifying period listed for U.S. Bank Smartly Checking Bonus is Within 90 days of account opening.

When does U.S. Bank Smartly Checking Bonus pay out?

The payout timeline listed for U.S. Bank Smartly Checking Bonus is Within 30 days of completing requirements.

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Citi Checking Account Bonus — Up to $2,000

$1,500 bonus

Deposit

Bonus

$2,000–$4,999.99 in direct deposits

$250

$5,000–$7,999.99 in direct deposits

$350

$8,000 or more in direct deposits

$450

Requirements

✓Open new U.S. Bank Smartly Checking account

✓Minimum opening deposit of $25 within 60 days

✓Enroll in U.S. Bank Mobile App or online banking within 90 days

✓Complete two or more direct deposits within 90 days totaling at least $2,000

✓Initial deposit of $25 within 60 days

✓Complete two or more direct deposits within 90 days totaling the tier amount

✓Initial deposit of $25 within 60 days of account opening

✓Complete two or more direct deposits totaling the specified amount within 90 days

✓$25 minimum opening deposit within 60 days of account opening

✓Complete two or more direct deposits within 90 days totaling the specified amount

✓Open a new U.S. Bank Smartly® Checking account

✓Make an opening deposit of at least $25 within 30 days

✓Fund account with at least $25 within 30 days

✓Complete two or more direct deposits within 90 days totaling the required amount for bonus tier

✓Open new U.S. Bank Smartly Checking account by June 18, 2026

✓Fund account with minimum $25 within 30 days of opening

✓Complete two or more direct deposits within 90 days that meet the tier amount

✓Open U.S. Bank Smartly Checking account

✓Minimum deposit of $25 within 30 days

✓Complete 2+ direct deposits within 90 days totaling $2,000+ (amount determines tier)

✓Open new U.S. Bank Smartly Checking account online, in branch, or by phone

✓Minimum opening deposit of $25 within 30 days

✓Complete two or more direct deposits within 90 days totaling specified amount ($2,000+)

✓Open new U.S. Bank Smartly® Checking account

✓Open a new U.S. Bank Smartly Checking account with a minimum deposit of $25

✓Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening

✓Complete two or more direct deposits within 90 days totaling the qualifying amount

Restrictions

⚠New customers only

⚠Cannot have existing U.S. Bank consumer checking account

⚠Cannot have had U.S. Bank consumer checking account in last 12 months

⚠Cannot have received other U.S. Bank consumer checking bonus offers in past 12 months

⚠One bonus per eligible account

⚠Cannot be combined with other checking bonuses

⚠Cannot have had a U.S. Bank consumer checking account in the last 12 months

⚠Cannot have received other U.S. Bank consumer checking bonus offers within the past 12 months

⚠One per eligible account

⚠May not be available outside U.S. Bank footprint

⚠New customer only — cannot have an existing U.S. Bank consumer checking account or have had one in the last 12 months

⚠Not available through Alliance partnerships or with Trust Accounts

⚠New customers only - cannot have had a U.S. Bank consumer checking account in the last 12 months

⚠Offer may not be combined with other checking account bonus offers

⚠Not available with Trust Accounts

⚠May not be available outside of U.S. Bank footprint

⚠New customers only — cannot have an existing U.S. Bank consumer checking account

⚠Only available to customers within U.S. Bank's geographic footprint

⚠Not available through Alliance partnerships or Trust Accounts

⚠New customers only — cannot have had a U.S. Bank consumer checking account in the last 12 months

⚠Cannot have received another U.S. Bank consumer checking bonus within the past 12 months

⚠Only available within U.S. Bank footprint (excludes NY, FL, and states without U.S. Bank branches unless existing relationship)

⚠One checking bonus per eligible account

⚠New U.S. Bank Smartly Checking customers only

⚠Cannot have an existing U.S. Bank consumer checking account

⚠Cannot have had a U.S. Bank consumer checking account in the past 12 months

⚠Offer may not be available outside U.S. Bank's geographic footprint

⚠Not available through Alliance partnerships

⚠Limit one checking bonus per eligible account

⚠New customers only — cannot have existing U.S. Bank consumer checking account

⚠Cannot have received other U.S. Bank consumer checking bonus in last 12 months

⚠Only available in U.S. Bank footprint

⚠Offer may not be available outside U.S. Bank footprint

⚠Offer not available through Alliance partnerships

⚠Offer not available with Trust Accounts

⚠New customers only (no existing U.S. Bank consumer checking account)

⚠Only available in U.S. Bank's footprint (certain states excluded)

⚠New customers only — cannot have an existing U.S. Bank consumer checking account, had one in the last 12 months, or received other U.S. Bank consumer checking bonus offers within the past 12 months

⚠Offer may not be available if you live outside of the U.S. Bank footprint

Fees

$12 monthly maintenance fee (waivable with minimum balance, direct deposits, or credit card ownership)

$12 monthly maintenance fee (waivable with balance or direct deposit requirements)

$12 monthly maintenance fee (waivable with $1,500 average balance, $1,500+ monthly direct deposits, eligible credit card, Smart Rewards Gold tier, military/youth/senior status, or eligible business account ownership)

$12 monthly maintenance fee (waived for first two statement periods)

$12 monthly maintenance fee (waivable with qualifying direct deposits or credit card link)

$12 monthly fee (waivable with $1,500 monthly direct deposits, $1,500 minimum balance, eligible customer group status, or other qualifying criteria)

$12 monthly maintenance fee (waivable with $1,500 average balance, $1,500 in monthly direct deposits, or eligible U.S. Bank credit card)

$12 monthly maintenance fee (waived first 2 statement periods)

$12 monthly maintenance fee (waivable with $1,500+ direct deposits, $1,500+ average balance, eligible U.S. Bank credit card, or Smart Rewards tiers)

$12 monthly maintenance fee (waivable with certain conditions)

$12 monthly maintenance fee (waived if: average balance ≥$1,500, combined monthly direct deposits ≥$1,500, owner of U.S. Bank Smartly Visa Signature Card, Smart Rewards Gold Tier or above, eligible customer group member, or eligible small business checking account owner)