U.S. Bank Smartly Checking Bonus: Earn Up to $600
U.S. Bank has launched a new targeted offer that lets eligible customers earn up to a $600 bonus when opening a new U.S. Bank Smartly® Checking account. This version offers a higher payout than the bank’s public promotion, but it’s intended for the recipient of the offer only. You should see the offer when logging into a US Bank account. Let’s see how it works.
How to Earn This Bonus
- Apply for a new U.S. Bank Smartly® Checking account by August 31, 2026 through the promotional page.
- Fund the account with at least $25 within 60 days of account opening.
- Within 90 days of opening the account:
- Enroll in the U.S. Bank Mobile App or online banking.
- Receive at least two qualifying direct deposits totaling:
- $4,000-$7,999.99 to earn $300, or
- $8,000 or more to earn $600.
- The bonus will be deposited after qualifying requirements have been met, provided your account remains open and in good standing.
Are You Eligible?
- This is a targeted offer and is intended only for the recipient. The offer is non-transferable.
- You cannot currently have a U.S. Bank consumer checking account.
- You cannot have had a U.S. Bank consumer checking account or have received another U.S. Bank consumer checking bonus within the past 12 months.
Account Fees
The U.S. Bank Smartly® Checking account has a $12 monthly maintenance fee, which can be waived in several ways, including:
- Maintaining an average account balance of $1,500.
- Receiving $1,500 or more in combined monthly direct deposits.
- Having an eligible U.S. Bank Smartly Visa Signature Card.
- Qualifying through certain Smart Rewards tiers or customer groups.
Guru’s Wrap-up
The $600 bonus is significantly better than the bank’s current public offer, although it requires a substantial amount of direct deposits to qualify. If you received this offer and can meet the deposit requirements, it’s definitely worth considering before the offer expires on August 31, 2026.
HT: Doctor of Credit
