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U.S. Bank: up to $450 bonus
U.S. Bank Smartly Checking · Checking
AI summary Open Smartly Checking, enroll in online banking, and get two or more direct deposits totaling $2,000+ within 90 days.
Up to $450Advertised bonus
$450Estimated net bonus
$0Account feesfee waived by meeting offer terms (per bank)
120 daysHold period
Nov 10, 2026Ends
Janet read the fine print. By her math, no fees come out of this one.
Steps
- Open Smartly Checking
- Enroll in online banking
- Get two or more direct deposits totaling $2,000+ within 90 days
All details from the bank's page
- Requirements
- Open a new Smartly Checking account through the offer page, in a branch or by phone by Nov 10, 2026. Fund with $25+ within 60 days. Within 90 days of opening, enroll in the mobile app or online banking and make 2+ direct deposits totaling $2,000-$4,999.99 ($250), $5,000-$7,999.99 ($350) or $8,000+ ($450).
- Account fees
- Account fees: $0, fee waived by meeting offer terms (per bank). Monthly maintenance fee: $12 a month × 4 – waived (first two statement periods free; $0 with $1,500+ combined monthly direct deposits, met by the offer's $2,000+ direct deposits). Counted over 120 days (hold period, 120 days).
- Estimated net bonus
- Estimated net bonus $450 ($450 minus $0 fees)
- Hold period
- Requirements run 90 days from opening; the bonus is credited within 30 days after that, and the account must be open with a positive balance. For the estimate: 120 days (90-day requirement window plus up to 30 days to credit; open at payout).
- Estimated effective yield
- No deposit has to stay in the account, so there is no estimated effective yield; the hold is how long the account must stay open.
- Direct deposit
- Required (2+ deposits, $2,000+ total)
- Deposit / balance
- $25 opening deposit
- Time to complete
- 90 days (as stated)
- Payout
- Within 30 days after completing requirements
- Keep open / early close
- Account must be open with a positive balance to receive the bonus. No other early-close term stated.
- Eligible states
- not stated
- Lookback rule
- Not for anyone with a U.S. Bank consumer checking account now or in the last 12 months, or who got another U.S. Bank consumer checking bonus in the past 12 months.
- Deadline
- Nov 10, 2026
- State note
- The bank says the offer may not be available if you live outside the U.S. Bank footprint.
Source: www.usbank.com/splash/checking/2026-all-market-checking-offe · Last verified Nov 1, 2026, 1:06 AM CT · How we estimate
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