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 April 1, 2026. Member FDIC.
Update 2/24/26: The $450 checking bonus offer has been extended through 4/1/26.
If you’re looking to open a new checking account, U.S. Bank offers an account that will suit your needs.
U.S. Bank Smartly® Checking Bonus
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- What you’ll get: Up to $450 bonus
- Account Type:
- Availability: Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
U.S. Bank Smartly® Checking Features
Get a checking account that empowers you to Bank Smartly®. Put U.S. Bank’s new checking product to work for you with:
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
- Send money with Zelle®
- Manage cash easily with automated budgeting in a #1 rated mobile
- No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- Access to Smart Rewards® to reap additional benefits
(Expires 04/01/2026)
How To Earn Bonus
To earn the bonus:
- Earn up to $450 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 or $8,000 or more to earn $450.
- Get started with an initial deposit of $25 within 30 days. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
How to Avoid Monthly Fees
- U.S. Bank Smartly® checking account: Waive the $12 Monthly Maintenance Fee with one of the following:
- Average account balance of $1,500 or greater
- Combined monthly direct deposits totaling $1,500 or greater
- An account owner of an open U.S. Bank Smartly™ Visa Signature® credit card.
- Smart Rewards® Gold Tier and above
- Member of a customer group including accounts for seniors age 65 or greater, youth and young adult ages 13 to 24, military personnel and more
- Owner of an eligible U.S. Bank Small Business Checking account
Author’s Verdict
Looking to open a checking account for your business? See our review on business checking accounts from U.S. Bank.
If you are interested in more bonuses, check our list of the latest U.S. Bank Promotions and our full list of bank bonuses.
Member FDIC.
