✓Minimum $25 opening deposit within 60 days (or 30 days depending on variant)
✓Enroll in U.S. Bank Mobile App or online banking within 90 days
✓Complete two or more direct deposits within 90 days totaling amount for tier
✓Open a new U.S. Bank Smartly Checking account
✓Make an opening deposit of at least $25 within 60 days of account opening
✓Enroll in 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
✓Minimum opening deposit of $25 within 60 days
✓Complete two or more direct deposits within 90 days totaling the specified amounts
✓Initial deposit of at least $25 within 60 days
✓Complete two or more direct deposits within 90 days totaling required amount
✓Open new U.S. Bank Smartly Checking account online, in branch, or by phone
✓Minimum opening deposit of $25 within 60 days of account opening
✓Complete two or more direct deposits within 90 days totaling the required amount for each tier
✓Minimum $25 deposit within 60 days
Restrictions
⚠New U.S. Bank customer only
⚠No existing U.S. Bank checking account
⚠Did not have U.S. Bank checking account in past 12 months
⚠Did not receive U.S. Bank checking bonus in past 12 months
⚠Must live within U.S. Bank footprint
⚠Limit one bonus per eligible account
⚠New 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
⚠Cannot have received other U.S. Bank consumer checking bonus offers within the past 12 months
⚠One bonus per eligible account
⚠Offer not available if you live outside U.S. Bank footprint
⚠Offer not available through Alliance partnerships or with Trust Accounts
⚠Cannot be combined with other checking or savings bonuses
⚠New customers only
⚠Cannot have existing U.S. Bank consumer checking account
⚠Cannot have had a U.S. Bank consumer checking account in the last 12 months
⚠Offer may not be available outside U.S. Bank footprint
⚠Cannot be combined with other checking account bonus offers
New customers only (no U.S. Bank consumer checking account in last 12 months)
Fees
$12 monthly maintenance fee (first two statement periods waived)
$12 monthly maintenance fee (waived for first two statement periods; waivable afterward with direct deposit, account balance, or Smart Rewards tier)
$12 monthly maintenance fee (waived for first 2 statement periods)
$12 monthly maintenance fee (waivable; first two statement periods waived)
$12.00 monthly maintenance fee (waived for first two statement periods; waivable thereafter if eligible)
$12 monthly maintenance fee (waived for first two months; can be waived by meeting certain criteria)
$12 monthly maintenance fee (waived for first 2 statement periods; can be waived with $1,500+ monthly direct deposits, $1,500+ average balance, ownership of Bank Smartly Visa Signature Card, Smart Rewards Gold Tier or above, or eligible customer group membership)
$12 monthly maintenance fee (waivable through multiple methods)
$12 monthly maintenance fee (waived first 2 statement periods)
$12 monthly maintenance fee (waivable with qualifying balance, direct deposits, credit card, or customer group membership)
$12 monthly maintenance fee (waivable with qualifying conditions)
$12 monthly maintenance fee (waived for first 2 statement periods, then waivable with $1,500 minimum balance, $1,500+ monthly direct deposits, U.S. Bank Smartly Visa Signature Card ownership, Smart Rewards Gold+ tier, or eligible customer group membership)
$12 monthly maintenance fee (waivable)
$12 monthly maintenance fee (waived first 2 statement periods; waivable with $1,500 monthly direct deposits, $1,500 average balance, Smartly Visa Signature card, business checking account ownership, or Smart Rewards Gold+ tier)
$12 monthly maintenance fee (waived first 2 statement periods, then waivable via direct deposit, balance, credit card, rewards tier, or customer group membership)
$12 monthly maintenance fee (waivable with qualifying criteria)
$12 monthly maintenance fee (waivable with qualifying balance or direct deposits)
$12 monthly maintenance fee (waivable with direct deposits, minimum balance, or account features)
$12 monthly maintenance fee (waived for first 2 statement periods, can be waived with direct deposit, balance, or credit card requirements)
Bonus reported as interest earned on IRS Form 1099-INT
Account must remain open with positive balance to receive bonus
Offer may not be combined with other checking account bonus offers
Current U.S. Bank employees eligible to participate
Bonus reported as interest on IRS Form 1099-INT
Account must remain open and in good standing to receive bonus
Direct deposit means electronic deposits of paychecks or government benefits via ACH network only
Bonus paid within 60 days after month in which qualifying activities completed
Bonus credited as adjusted interest within 30 days of completing all requirements
Bonus reported to IRS as interest on form 1099-INT
Account must be open with positive balance to receive bonus
Direct deposit means ACH deposits of paycheck or government benefits only
Direct deposits must be electronic ACH deposits of paycheck or government benefits
Account must remain open with positive balance for bonus to be credited
Bonus credited as adjusted interest on statement within 30 days after requirements completed
Recipient responsible for applicable taxes
Direct deposit must be ACH from employer or government benefits — person-to-person payments or transfers between U.S. Bank accounts do not qualify
Offer may not be combined with other checking account bonuses
Bonus will be reported as interest earned on IRS form 1099-INT
Bonus cannot be combined with any other checking account bonus offers
A direct deposit is an electronic deposit of paycheck or government benefits via ACH network; other electronic deposits or person-to-person payments do not qualify
Direct deposit must be via ACH network (paycheck or government benefits) — person-to-person payments don't count
Bonus credited as 'adjusted interest' and reported on IRS Form 1099-INT
Account must be open and have positive balance to receive bonus
Offer may not be available outside U.S. Bank footprint or through certain partnerships
Cannot be combined with other checking account bonus offers
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Minimum $25 opening deposit within 60 days (or 30 days depending on variant)
Enroll in U.S. Bank Mobile App or online banking within 90 days
Complete two or more direct deposits within 90 days totaling amount for tier
Common pitfalls
New U.S. Bank customer only
No existing U.S. Bank checking account
Did not have U.S. Bank checking account in past 12 months
Did not receive U.S. Bank checking bonus 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 $1,500 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 all requirements.
✓Complete two or more direct deposits within 90 days
✓Direct deposits must total specified amounts
✓Minimum opening deposit of $25
✓Deposit must be funded within 60 days of account opening
✓Account must be open and have positive balance to receive bonus
✓Minimum $25 opening deposit within 60 days
✓Direct deposit amounts determine bonus tier
✓Minimum deposit of $25 within 60 days
✓Complete two or more direct deposits within 90 days (amount determines bonus tier)
✓Open account online, in branch, or by phone
✓Complete two or more direct deposits within 90 days (total amount determines bonus tier)
✓Complete two or more direct deposits within 90 days (ACH transfers from employer or government benefits count; P2P transfers do not)
✓Account must remain open with positive balance to receive bonus
✓Open new U.S. Bank Smartly Checking account with $25 opening deposit
✓Fund account with at least $25 within 60 days of account opening
✓Open account online, in branch, or by phone by June 18, 2026 (June variant)
✓Complete two or more direct deposits within 90 days totaling specified amount
✓Open account by June 18, 2026
✓Complete two or more direct deposits within 90 days totaling the specified amount
✓Complete two or more direct deposits within 90 days totaling the minimum for the desired tier
✓Open account online, in branch, or by phone from April 9 - June 18, 2026
✓Direct deposits must total $2,000+ to qualify for any bonus
✓Make an opening deposit of at least $25 within 60 days
✓Enroll in the U.S. Bank Mobile App or online banking within 90 days
✓Complete two or more direct deposits within 90 days totaling the required amount
✓Open account online, in branch, or over phone by June 18, 2026
✓Fund account with at least $25 within 60 days of opening
✓Enroll in U.S. Bank Mobile App or online banking within 90 days of opening
✓Complete two or more direct deposits within 90 days totaling the specified amount for bonus tier
✓Complete two or more direct deposits within 90 days totaling the threshold amount
✓Minimum $25 opening deposit within 60 days of account opening
✓Complete two or more direct deposits within 90 days of account opening
✓Open new U.S. Bank Smartly Checking account by June 18, 2026
✓Make opening deposit of $25 within 60 days
✓Complete two or more direct deposits within 90 days totaling minimum amount based on desired tier
✓Open new U.S. Bank Smartly® Checking account with minimum $25 opening deposit
✓Fund account within 60 days of opening
✓Complete two or more direct deposits within 90 days totaling the applicable tier amount
✓Minimum $25 opening deposit
✓Complete two or more direct deposits within 90 days totaling the tier amount
✓Open account online, in branch, or via phone by June 18, 2026 (already expired)
✓Minimum $25 initial deposit within 60 days
✓Complete two or more direct deposits within 90 days totaling qualifying amount
✓Complete two or more direct deposits within 90 days totaling the specified tier amount
✓Account must remain open and have positive balance to receive bonus
✓Minimum deposit of $25 within 60 days of account opening
✓Complete two or more direct deposits within 90 days totaling the required amount for bonus tier
✓Complete two or more direct deposits within 90 days totaling the amounts specified for each tier
✓Complete two or more direct deposits within 90 days totaling minimum $2,000 for $250 bonus; $5,000 for $350 bonus; $8,000 for $450 bonus
✓Complete two or more direct deposits within 90 days of account opening totaling the specified amount
✓Open new U.S. Bank Smartly Checking account with minimum $25 deposit within 60 days
✓Complete two or more direct deposits within 90 days totaling at least $2,000 (tiered by amount)
✓Open new U.S. Bank Smartly® Checking account online, in branch, or by phone
✓Make opening deposit of $25 within 60 days of account opening
✓Complete two or more direct deposits within 90 days totaling at least $2,000
✓Complete two or more direct deposits within 90 days totaling the tier threshold
✓Account must be funded with at least $25 within 60 days of account opening
✓Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening
✓Make a minimum opening deposit of $25 within 60 days of account opening
✓Open new U.S. Bank Smartly® Checking account
✓Make minimum $25 opening deposit within 60 days
✓Complete two or more direct deposits within 90 days totaling at least $2,000 (for $250 bonus), $5,000 (for $350), or $8,000 (for $450)
✓Open account with minimum $25 deposit within 60 days of account opening
✓Complete two or more direct deposits totaling minimum amount within 90 days
✓Open new U.S. Bank Smartly Checking account with $25 minimum deposit
✓Deposit of $25 within 60 days of account opening
✓Complete two or more direct deposits within 90 days (paycheck or government benefits via ACH)
✓Open new U.S. Bank Smartly Checking account with $25 minimum deposit within 60 days
✓Complete two or more direct deposits within 90 days totaling the bonus threshold amount
✓Make opening deposit of at least $25 within 60 days
✓Complete two or more direct deposits within 90 days totaling minimum required amount
✓Complete two or more direct deposits within 90 days totaling $2,000 or more
✓Open new U.S. Bank Smartly Checking account online, in branch, or by phone from April 9, 2026 through June 18, 2026
✓Complete two or more direct deposits within 90 days totaling qualifying amounts
✓Complete two or more direct deposits (paycheck or government benefits via ACH) within 90 days
✓Direct deposit total must meet tier threshold
✓Direct deposits must meet tiered amounts
✓Complete two or more direct deposits within 90 days totaling at least $2,000 (for minimum $250 bonus)
✓Open a new U.S. Bank Smartly Checking account with minimum $25 deposit within 60 days
✓Complete two or more direct deposits totaling the specified amounts within 90 days of account opening
✓Complete two or more direct deposits within 90 days of account opening totaling the required amount
✓Complete two or more direct deposits within 90 days totaling the tiered amounts
✓Complete two or more direct deposits within 90 days (amounts determine bonus tier)
✓Open new U.S. Bank Smartly Checking account with $25 opening deposit within 60 days
✓Complete two or more direct deposits within 90 days totaling minimum amounts based on tier ($2,000–$8,000+)
✓Complete 2 or more direct deposits within 90 days totaling required amount
✓Opening deposit of $25 within 60 days of account opening
✓Open new U.S. Bank Smartly Checking account by September 8, 2026
✓Open account with minimum $25 deposit within 60 days
✓Open a new U.S. Bank Smartly® Checking account
✓Two or more direct deposits within 90 days totaling at least $2,000
✓Direct deposits must total $2,000 or more (minimum for $250 bonus)
✓Direct deposits must total the tier amount
✓Make minimum opening deposit of $25 within 60 days
✓Open a new U.S. Bank Smartly Checking account online, in branch, or over phone
✓Complete two or more direct deposits within 90 days totaling the amounts above
✓Deposit minimum $25 within 60 days
✓Complete 2 or more direct deposits within 90 days (amount determines bonus tier)
✓Initial deposit of $25 within 60 days
✓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
✓Make an opening deposit of at least $25 within 30 days
✓Fund account with at least $25 within 30 days
✓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)
✓Minimum opening deposit of $25 within 30 days
✓Complete two or more direct deposits within 90 days totaling specified amount ($2,000+)
✓Open a new U.S. Bank Smartly Checking account with a minimum deposit of $25
⚠
⚠No prior U.S. Bank consumer checking bonus in past 12 months
⚠Account must be opened online through promotional page
⚠Limit one checking bonus per eligible account
⚠New customers only — no existing U.S. Bank consumer checking account
⚠Cannot have received U.S. Bank consumer checking bonus in past 12 months
⚠May not be available outside U.S. Bank footprint
⚠Not available through Alliance partnerships
⚠Not available with Trust Accounts
⚠Offer may not be combined with other checking account bonus offers
⚠No existing U.S. Bank consumer checking account
⚠Must be in U.S. Bank footprint or have existing relationship
⚠Cannot have had U.S. Bank consumer checking account in last 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus offers within past 12 months
⚠Offer not available through Alliance partnerships
⚠Offer not available with Trust Accounts
⚠New customers only (no existing U.S. Bank consumer checking account, none in past 12 months, no other U.S. Bank consumer checking bonus offers in past 12 months)
⚠Must be U.S. Bank customer in footprint states
⚠Cannot be combined with other checking bonuses
⚠No U.S. Bank consumer checking account in last 12 months
⚠No other U.S. Bank consumer checking bonus in last 12 months
⚠Offer may not be available outside U.S. Bank's footprint
⚠New customers only — cannot have existing U.S. Bank consumer checking account
⚠No U.S. Bank consumer checking account in past 12 months
⚠No other U.S. Bank consumer checking bonus in past 12 months
⚠Available in U.S. Bank footprint (27 states)
⚠No U.S. Bank consumer checking account in the past 12 months
⚠No other U.S. Bank consumer checking bonus offers received in the past 12 months
⚠Offer may not be available outside of U.S. Bank footprint
⚠New customer only: no existing U.S. Bank consumer checking account, no account within last 12 months, no other U.S. Bank consumer checking bonus within past 12 months
⚠Must reside in U.S. Bank's service footprint
⚠No existing or recent U.S. Bank consumer checking account (within past 12 months)
⚠No prior U.S. Bank consumer checking bonus within past 12 months
⚠Not available outside U.S. Bank footprint
⚠Cannot have an existing U.S. Bank consumer checking account
⚠Offer may not be available if you live outside of U.S. Bank footprint
⚠Cannot have received U.S. Bank checking bonus in past 12 months
⚠Must be available in U.S. Bank footprint
⚠Offer may not be available if you live outside of the U.S. Bank footprint
⚠Cannot have had U.S. Bank consumer checking account in the last 12 months
⚠One checking bonus per eligible account
⚠New customers only (no existing U.S. Bank consumer checking account in last 12 months)
⚠No other U.S. Bank bonus offers received in past 12 months
⚠Not available through Alliance partnerships or Trust Accounts
⚠Must be in U.S. Bank footprint
⚠Offer may not be available outside U.S. Bank footprint (27 states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming)
⚠New customers only — no existing U.S. Bank consumer checking account, no account in last 12 months, no other U.S. Bank consumer checking bonus in past 12 months
⚠Offer may not be combined with any other checking account bonus offers
⚠New customers only (no existing U.S. Bank consumer checking account, none in last 12 months, no other U.S. Bank consumer checking bonus offers in last 12 months)
⚠Available within U.S. Bank footprint only (excludes NY, FL, and states without U.S. Bank branches)
⚠Cannot have had U.S. Bank consumer checking account in past 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus within past 12 months
⚠New account holders only — cannot have an existing U.S. Bank consumer checking account
⚠Cannot have received other U.S. Bank bonus offers within the past 12 months
⚠May not be available if you live outside the U.S. Bank footprint
⚠New customers only (no existing U.S. Bank consumer checking account, none in past 12 months)
⚠Not available through Alliance partnerships or with Trust Accounts
⚠New customers only (no existing U.S. Bank consumer checking account, or one within the past 12 months)
⚠Offer may not be available outside U.S. Bank footprint (27 states)
⚠Offer not available through Alliance partnerships (except where noted)
⚠No other U.S. Bank consumer checking bonus offers within past 12 months
⚠One per eligible account
⚠Cannot have received another U.S. Bank consumer checking bonus within the past 12 months
⚠Offer may not be combined with any other checking account bonus
⚠May not be available if you live outside U.S. Bank's footprint
⚠No existing or recent U.S. Bank consumer checking account (within 12 months)
⚠New customers only — cannot have existing U.S. Bank consumer checking account, had one in last 12 months, or received other U.S. Bank checking bonus in last 12 months
⚠New customers only — 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 in past 12 months
⚠Cannot have received another U.S. Bank consumer checking bonus in the past 12 months
⚠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 U.S. Bank's footprint
⚠Cannot be combined with any other checking account bonus offers
⚠New customers only — cannot have an existing U.S. Bank consumer checking account, had one in the past 12 months, or received other U.S. Bank checking bonus offers within the past 12 months
⚠Minimum $25 opening deposit required within 60 days
⚠No existing or recent U.S. Bank consumer checking account
⚠May not be combined with other checking account bonus offers
⚠Account must remain open with positive balance to receive bonus
⚠Did not have a U.S. Bank consumer checking account in the last 12 months
⚠Did not receive other U.S. Bank consumer checking bonus in the last 12 months
⚠New customers only — cannot have an existing U.S. Bank consumer checking account or have had one in the last 12 months
⚠No U.S. Bank checking account in past 12 months
⚠No other U.S. Bank checking bonus in past 12 months
⚠Must not have had a U.S. Bank consumer checking account in the past 12 months
⚠Must not have received other U.S. Bank consumer checking bonus offers in the past 12 months
⚠New customers only (no existing U.S. Bank consumer checking account)
⚠One per household/eligible account
⚠Offer not available outside U.S. Bank footprint
⚠New customers only — cannot have had a U.S. Bank consumer checking account in the past 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus offers in the past 12 months
⚠Account must be open and have a positive balance to receive bonus
⚠No account in past 12 months
⚠Offer may not be combined with other checking account bonuses
⚠May not be available if you live outside U.S. Bank footprint
⚠New customers only (no existing U.S. Bank consumer checking account in past 12 months)
⚠No other U.S. Bank checking bonus offers within past 12 months
⚠New customers only (cannot have existing U.S. Bank consumer checking account, had one in last 12 months, or received other U.S. Bank bonus offers within past 12 months)
⚠New customers only — cannot have existing U.S. Bank consumer checking account, had one closed within past 12 months, or received other U.S. Bank consumer checking bonus offers within past 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus offers in past 12 months
⚠Cannot have received other U.S. Bank checking bonus in last 12 months
⚠Cannot have had U.S. Bank consumer checking account in the past 12 months
⚠Offer cannot be combined with any other checking account bonus offers
⚠No other U.S. Bank bonus offers received within past 12 months
⚠No U.S. Bank consumer checking account in the last 12 months
⚠No other U.S. Bank consumer checking bonus offers in the past 12 months
⚠Cannot have received other U.S. Bank checking bonus offers within the past 12 months
⚠Cannot have received other U.S. Bank consumer checking bonus in last 12 months
⚠New customer only — cannot have an existing U.S. Bank consumer checking account or have had one in the last 12 months
⚠New customers only - cannot have had a U.S. Bank consumer checking account in the last 12 months
⚠May not be available outside of U.S. Bank footprint
⚠Only available to customers within U.S. Bank's geographic footprint
⚠Only available within U.S. Bank footprint (excludes NY, FL, and states without U.S. Bank branches unless existing relationship)
⚠New U.S. Bank Smartly Checking customers only
⚠Offer may not be available outside U.S. Bank's geographic footprint
⚠Only available in U.S. Bank footprint
⚠Only available in U.S. Bank's footprint (certain states excluded)
$0 account opening fee
$12 monthly maintenance fee (waivable with direct deposits of $1,500+/month, average balance of $1,500+, U.S. Bank Smartly Visa Signature Card ownership, or other qualifying criteria)
First two statement periods of monthly fee are waived for new accounts
$12 monthly maintenance fee (waivable with $1,500 minimum balance, $1,500 monthly direct deposits, or other qualifying criteria)
$12 monthly maintenance fee (waivable with $1,500+ monthly direct deposits, $1,500+ average balance, U.S. Bank Smartly Visa Signature card, Smart Rewards Gold Tier or above, or eligible customer group membership)
$12 monthly maintenance fee (waivable with $1,500+ monthly direct deposits, $1,500+ average balance, U.S. Bank Smartly Visa Signature Card ownership, or Smart Rewards Gold Tier+)
$12 monthly maintenance fee (waivable with multiple options)
$12 monthly maintenance fee (waivable with $1,500 monthly direct deposits, $1,500 minimum balance, Smart Rewards Gold Tier or higher, U.S. Bank Smartly Visa Signature Card ownership, or eligible customer group membership)
$12 monthly maintenance fee (waivable with $1,500+ monthly direct deposits, $1,500+ average balance, Smartly Visa Signature Card, or Smart Rewards Gold Tier+)
$12 monthly maintenance fee can be waived with: $1,500+ monthly direct deposits, $1,500+ average account balance, U.S. Bank Smartly credit card, Smart Rewards Gold Tier or above, eligible customer group membership, or eligible small business checking account
$12 monthly maintenance fee (waived with $1,500 monthly direct deposits, $1,500 average balance, or eligible credit card)
$12 monthly maintenance fee (waivable with $1,500 monthly direct deposits or $1,500 minimum average balance or qualifying credit card)
$0 - can waive fee with multiple options including $1,500+ direct deposits monthly or $1,500+ average balance
$12 monthly maintenance fee (waivable with various conditions)
$12 monthly maintenance fee (waived for first 2 statement periods after opening)
$12 monthly maintenance fee (waived first 2 statement periods; can be waived by maintaining $1,500+ average balance, $1,500+ in monthly direct deposits, or other qualifying criteria)
$12 monthly maintenance fee (waived for first 2 statement periods; can be waived by meeting balance/deposit requirements or holding certain credit cards)
$12 monthly maintenance fee (waived for first two statement periods; can be waived by maintaining $1,500+ monthly direct deposits, $1,500+ average balance, or owning eligible U.S. Bank products)
$12 monthly maintenance fee (waived for first 2 statement periods; can be waived with $1,500+ monthly direct deposits, $1,500+ average balance, qualifying credit card, or Smart Rewards Gold Tier+)
$12 monthly fee waived if: $1,500+ monthly direct deposits, $1,500+ average balance, or eligible Smartly Visa card owner
$12 monthly maintenance fee (waivable with $1,500 monthly direct deposits, $1,500 average balance, or other qualifying criteria)
$12 monthly maintenance fee (waived first 2 statement periods; can be waived with $1,500 monthly direct deposits, $1,500 minimum balance, or U.S. Bank Smartly credit card)
$12 monthly maintenance fee (waivable with $1,500 monthly direct deposits, $1,500 average balance, Smartly Visa Signature card, or Smart Rewards Gold Tier+)
$12 monthly maintenance fee (waived for first 2 statement periods; waivable via $1,500 monthly direct deposits, $1,500 average account balance, or other qualifying criteria)
$12 monthly maintenance fee (waived for first 2 statement periods from account opening)
$12 monthly maintenance fee can be waived with $1,500 average monthly balance, $1,500 monthly direct deposits, or qualifying credit card/rewards tier
$12 monthly maintenance fee (waivable with direct deposits, balance, eligible business account, or customer group status)
$12 monthly maintenance fee (waivable with $1,500+ balance, $1,500+ monthly direct deposits, or other qualifying criteria)
$12 monthly maintenance fee (waived for first 2 statement periods and with qualifying activities)
No early account termination fee
$12 monthly maintenance fee (waived for first 2 statement periods; may be waived by meeting balance requirements, direct deposit requirements, credit card ownership, military status, age-based eligibility, or Small Rewards tier qualifications)
$12 monthly maintenance fee (waivable with qualifying balance, direct deposits, or linked product)
$12 monthly maintenance fee (waivable with direct deposit, balance, credit card, or eligible customer group status)
$12 monthly maintenance fee (waived for first 2 statement periods from account open date)
$12 monthly maintenance fee can be waived with $1,500+ average account balance or $1,500+ combined monthly direct deposits
$12 monthly maintenance fee (waivable with $1,500 average account balance, $1,500 in combined monthly direct deposits, eligible small business checking account ownership, membership in eligible customer groups, Smart Rewards Gold Tier or above, or U.S. Bank Smartly™ Visa Signature® Card ownership)
$12 monthly maintenance fee (waived first 2 statement periods, then waivable by meeting various conditions)
$12 monthly maintenance fee (waivable with $1,500 monthly direct deposits, $1,500 minimum average balance, or Smart Rewards tier)
$12 monthly maintenance fee (waivable with conditions)
$0 opening/account fees
$12 monthly maintenance fee (waivable with $1,500 in monthly direct deposits, $1,500 average balance, or other qualifying criteria)
$12 monthly maintenance fee (waived first 2 statement periods; can be waived with $1,500+ average balance, $1,500+ monthly direct deposits, U.S. Bank Smartly Visa Signature card, Smart Rewards Gold Tier+, or eligible customer group membership)
$12 monthly maintenance fee (waivable with $1,500 average balance, $1,500+ monthly direct deposits, or other qualifying conditions)
Multiple ways to waive ongoing fee
$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 (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)
Direct deposits must be paycheck or government benefits via ACH
Direct deposits are electronic deposits from employer or government (Social Security, etc.) via ACH — person-to-person transfers and other electronic payments do not qualify
Bonus credited as 'adjusted interest' to the checking account
Bonus reported on IRS form 1099-INT; recipient responsible for taxes
Offer cannot be combined with other checking account bonus offers
Bonus credited as 'adjusted interest' within 30 days of completing all requirements
Cannot be combined with other U.S. Bank checking bonuses
Bonus reported to IRS as interest earned on form 1099-INT
Current U.S. Bank employees are eligible
Promotional offer automatically applied when opening through promotional web page; must be activated by banker if opening in branch or by phone
Direct deposits must be electronic deposits of paycheck or government benefits; person-to-person payments and other electronic transfers do not qualify
Cannot be combined with other checking or savings account bonuses
Direct deposit must be via ACH network or government benefits; person-to-person payments do not count
Cannot combine with other U.S. Bank checking bonuses
Account must be open and have a positive balance to receive bonus
Bonus cannot be combined with other checking account bonuses
Bonus is credited as 'adjusted interest' and reported on Form 1099-INT
Offer automatically applied if opened through promotional web page; requires banker activation if opened in branch or by phone
Bonus reported as interest (adjusted interest) on IRS form 1099-INT
Cannot be combined with other checking or savings bonuses
Direct deposit defined as ACH network paycheck or government benefits deposit
Bonus reported as interest (1099-INT) and subject to taxes
Offer may not be combined with any other checking account bonus offers
Direct deposit defined as electronic paycheck or government benefits through ACH network
Account must be open and have a positive balance to receive the bonus
Bonus will be credited to your new checking account within 30 days following the completion of all offer requirements
Recipient responsible for taxes on bonus
Direct deposit defined as electronic paycheck or government benefits via ACH — other electronic deposits/P2P not included
Bonus credited as 'adjusted interest' reported on IRS form 1099-INT
Other electronic deposits or person-to-person payments do not count as direct deposits
Bonus is reported as interest on IRS Form 1099-INT
Direct deposit defined as electronic ACH deposits of paychecks or government benefits (Social Security, etc.); excludes person-to-person payments and other electronic transfers
Cannot be combined with any other checking account bonus offers
Direct deposit must be paycheck or government benefits via ACH network; other electronic deposits or person-to-person payments do not qualify
U.S. Bank employees are eligible
Direct deposit must be ACH paycheck or government benefits (Social Security, etc.); person-to-person payments and other electronic transfers do not qualify
Recipient is responsible for any applicable taxes
Smart Rewards program is complimentary and automatically enrolls upon account opening
Bonus credited as adjusted interest and reported on IRS Form 1099-INT
Direct deposits must be paycheck or government benefits via ACH; other electronic deposits or P2P payments do not qualify
First two statement periods of monthly maintenance fee are automatically waived for newly opened accounts
Direct deposit defined as paycheck or government benefits (Social Security) via ACH; person-to-person payments and other electronic transfers do not qualify
Direct deposit must be from ACH network (paycheck or government benefits), not P2P payments or electronic transfers
Cannot be combined with other U.S. Bank checking account bonus offers
Bonus reported as interest income on IRS Form 1099-INT
Direct deposit = paycheck or government benefits via ACH; excludes person-to-person payments and other electronic transfers
Direct deposit must be paycheck or government benefits (not person-to-person payments or other electronic transfers)
Bonus reported as interest earned on IRS form 1099-INT; recipient responsible for applicable taxes
Direct deposit defined as electronic paycheck or government benefits (e.g., Social Security) from employer or government; other electronic or person-to-person deposits do not qualify
Tiered-rate interest account with variable APY (0.001% on $0-$24,999.99; 0.005% on $25,000+)
Bonus reported as interest on IRS form 1099-INT; recipient responsible for taxes
Cannot be combined with other U.S. Bank checking or savings account bonuses
Account must be in good standing with positive balance to receive bonus
Direct deposit is defined as electronic deposit of paycheck or government benefits; other electronic deposits or person-to-person payments do not qualify
Bonus credited as adjusted interest (reported on IRS Form 1099-INT)
Account must be open and in good standing to receive bonus
Available only in U.S. Bank's 27-state footprint
Direct deposit defined as electronic paycheck or government benefits (Social Security) from employer or government; other electronic deposits or person-to-person payments do not count
Account must remain open and maintain positive balance to receive bonus
Bonus amounts vary based on total direct deposits: $250 for $2,000–$4,999.99, $350 for $5,000–$7,999.99, $450 for $8,000 or more
Account must remain open and have a positive balance to receive the bonus
Bonus is reported as interest earned on IRS Form 1099-INT
Bonus credited to account within 30 days following the end of the calendar month when all offer requirements are completed
Account must be open with a positive balance to receive the bonus
Bonus credited within 30 days after completing all requirements
Direct deposit must be paycheck or government benefits (not person-to-person or electronic transfers)
Bonus reported as interest earned on IRS form 1099-INT; recipient responsible for taxes
Offer valid through June 18, 2026
May not be available outside U.S. Bank footprint
Direct deposit defined as paycheck or government benefits via ACH; person-to-person payments do not qualify
Bonus reported as interest on IRS Form 1099-INT; recipient responsible for applicable taxes
Direct deposits include paycheck or government benefits (Social Security) via ACH; excludes person-to-person payments
Bonus will be credited as 'adjusted interest' and reported on IRS Form 1099-INT
Direct deposit defined as electronic paycheck or government benefits from employer/government only
Direct deposit defined as ACH paycheck or government benefits deposits only (person-to-person payments and other electronic transfers do not qualify)
Other electronic deposits or person-to-person payments do not count as qualifying direct deposits
Promotion code may be required when opening account in branch or by phone
Bonus requires account to remain open with positive balance
Offer available in U.S. Bank footprint states only
Bonus will be reported as interest earned on IRS form 1099-INT; recipient is responsible for any applicable taxes
Direct deposit must be an electronic deposit of paycheck via ACH network or government benefits; other electronic deposits or person-to-person payments do not qualify
Direct deposit defined as ACH electronic deposit of paycheck or government benefits (e.g., Social Security) — excludes person-to-person payments
Direct deposit must be ACH-network paycheck or government benefits (Social Security); other electronic transfers don't count
Bonus reported as interest income on Form 1099-INT
Direct deposits are defined as ACH network deposits of paychecks or government benefits; other electronic deposits or person-to-person payments do not qualify
Direct deposit defined as electronic deposit of paycheck or government benefits via ACH; excludes other electronic deposits or person-to-person payments
Bonus credited as adjusted interest (reported on Form 1099-INT)
Bonus cannot be combined with other checking account bonus offers
Direct deposits must be electronic deposits of paychecks or government benefits (Social Security, etc.) from employer or government; other electronic deposits or person-to-person payments do not count
Bonus is reported as interest earned on IRS Form 1099-INT; recipient is responsible for applicable taxes
U.S. Bank Smartly® Checking is a tiered-rate account: 0.001% APY on balances $0–$24,999.99; 0.005% APY on balances $25,000+
Bonus reported as adjusted interest on IRS form 1099-INT
Variable rates: 0.001% APY on balances $0-$24,999.99; 0.005% APY on balances $25,000+
Bonus reported as interest (1099-INT) and taxable
Offer may not be available outside U.S. Bank footprint
Direct deposits must be electronic deposits of paychecks or government benefits (Social Security, etc.)
Direct deposit is defined as electronic deposit of paycheck via ACH network or government benefits; excludes person-to-person payments and other electronic transfers
Cannot be combined with other U.S. Bank checking or savings bonuses
Bonus is reported as adjusted interest and credited within 30 days following completion of all requirements
Bonus will be reported as interest earned on IRS form 1099-INT; recipient responsible for applicable taxes
A direct deposit is an electronic deposit of paycheck via ACH or government benefits; other electronic transfers/person-to-person payments do not qualify
Direct deposit defined as electronic deposit of paycheck or government benefits; other electronic deposits or person-to-person payments do not qualify
Direct deposit means electronic deposit of paycheck or government benefits (Social Security, etc.) from employer or government
Other electronic deposits or person-to-person payments do not count
Direct deposit must be electronic deposit of paycheck via ACH or government benefits (Social Security) — other electronic deposits or person-to-person payments do not qualify
Bonus credited as 'adjusted interest' to checking account
Direct deposit is limited to ACH network paycheck deposits or government benefits like Social Security
Direct deposits must be from employer or government (ACH network); person-to-person transfers do not count
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
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
Limit one checking bonus per eligible account
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.
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 is treated as interest (adjusted interest credit) and reported on IRS Form 1099-INT
