U.S. Bank Smartly Checking, Targeted $800 Bonus
U.S. Bank is offering a targeted bonus of up to $800 when you open a new U.S. Bank Smartly® Checking account and complete qualifying direct deposits. This offer is available through a targeted landing page and is significantly higher than the standard public offer. Let’s see how this bonus works, and who is eligible.
How to Earn This Bonus
To earn the targeted U.S. Bank Smartly® Checking bonus, you must:
- Open a new U.S. Bank Smartly® Checking account through your targeted offer page
- Fund the account with at least $25
- Enroll in online banking or the U.S. Bank Mobile App within 90 days
- Complete two or more qualifying direct deposits within 90 days of account opening
The bonus amount depends on your total direct deposits:
- Earn $350 when direct deposits total $5,000–$7,999.99
- Earn $450 when direct deposits total $8,000–$11,999.99
- Earn $800 when direct deposits total $12,000 or more
Direct deposits must be electronic deposits such as payroll, pension, or government benefit payments made through the ACH network. Transfers, mobile deposits, Zelle payments, and person-to-person payments do not qualify.
The bonus will generally be deposited into your account within 30 days after all requirements are completed. Your account must remain open and in good standing in order to receive the bonus.
Are You Eligible?
Here are the eligibility details for this bonus:
- This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Address on new account must match address on the mail piece to be eligible for the bonus. Promotional offer may only be used once. Bonus will not be paid if promotional offer is retrieved by unintended recipient or if promotional offer is retrieved from a deals website.
- You may not be eligible if you currently have a U.S. Bank consumer checking account
- You may not be eligible if you received a U.S. Bank consumer checking bonus within the last 12 months
- Offer may not be available outside the U.S. Bank footprint
As always, accounts are subject to approval. U.S. Bank may use ChexSystems during the application process.
Account Fees
- For newly opened U.S. Bank Smartly Checking accounts, the $12 Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date.
- Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee.
- State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card.
- All others can have it waived by meeting any one of the following criteria:
- Have combined monthly direct deposits totaling $1,500 or more; or
- keep a minimum average account balance of $1,500 or more; or
- owner on a U.S. Bank Smartly™ Visa Signature® Card; or
- owner of an eligible U.S. Bank small business checking account; or
- qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).
Guru’s Wrap-up
This targeted U.S. Bank Smartly® Checking offer is much better than the standard public bonus and could be worth going after if you were selected. An $800 bank bonus is excellent for a consumer checking account, although the required direct deposits are definitely on the high side.
Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.
💡 Link & Full Details
- OFFER PAGE
- Max Bonus: $800
- Account Type: U.S. Bank Smartly® Checking
- Availability: Targeted offer; U.S. Bank footprint
- Type of Inquiry: ChexSystems
- Direct Deposit Requirement: Yes
- Other Requirements: Online banking or mobile app enrollment
- Credit Card Funding: Unknown
- Monthly Fee: $12, waivable
- Early Account Closing Fee: None
- Expiration Date: 6/18/26
HT: David
