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 planning on opening a new checking account, U.S. Bank has a checking account that will surely meet your banking needs in an account.
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.
- Monthly Fee: $12; see below on how to waive the fee
(Expires 04/01/2026)
U.S. Bank Smartly® Checking Account Features
Get a checking account that empowers you to Bank Smartly®. Put U.S. Bank’s new checking product to work for you with:
- Multiple ways to get monthly maintenance fees waived
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
- Manage cash easily with automated budgeting in a #1 rated mobile app
- Send money with Zelle®
- No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- Access to U.S. Bank Smart Rewards® to reap additional benefits
How To Earn 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 Fee
The U.S. Bank Smartly® Checking Account does carry a $12 Monthly Maintenance Fee waived 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
Conclusion
If you’re looking to open a new checking account and stuck on which bank to go with, U.S. Bank is a great fit with a checking account to meet your needs.
Looking to open a business checking account? If so, see our review on business checking accounts from U.S. Bank.
Find all U.S. Bank bonuses here and our full list of bank bonuses for all your banking needs!
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Member FDIC.
