U.S. Bank Smartly Checking Bonus: Up to $450 Promotion

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. Member FDIC.

Update 5/2/25: The $450 checking bonus offer has been extended through 6/26/25.

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

• What you’ll get: Up to $450 bonus
• Account Type:
  • U.S. Bank Smartly® Checking Account
• Availability: Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

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 06/26/2025)

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
  • Earn $250 when the combined total of your direct deposits is between $2,000 and $4,999.99
  • Earn $350 when the combined total of your direct deposits is between $5,000 and $7,999.99.
  • Earn $450 when the combined total of your direct deposits is $8,000 or more.

Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

How to Avoid Monthly Fees

• U.S. Bank Smartly® checking account: Waive the $6.95 Monthly Maintenance Fee with one of the following:
  • Are 24 and under, 65 and over or a member of the military (must self-disclose), OR
  • Have combined monthly direct deposits totaling $1,000+, OR
  • Keep average account balance of $1,500+, OR
  • Hold an eligible U.S. Bank credit card, OR
  • Qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle)

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.