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U.S. Bank National Association / Bank Smartly Checking

U.S. Bank Smartly Checking Up to $450 Online Bonus

Public offer

Current offer

Bonus
Up to $450
Direct deposit
$8,000+Amount for maximum bonusAt least 2 qualifying deposits
Qualify within
90 days
Monthly fee
$12/moWaivable
Opening deposit
$25
Availability
Check location eligibility
Offer ends
View official offer (opens in a new tab)↗See how to qualify ↓

Offer terms, eligibility, fees and availability can change. Review the financial institution’s current terms before opening an account.

How to earn the bonus

  1. Open a new U.S. Bank Smartly Checking account through the promotional offer by 11-10-2026.
  2. Fund the account with at least $25 within 60 days of account opening.
  3. Enroll in the U.S. Bank Mobile App or online banking within 90 days.
  4. Complete at least two qualifying direct deposits within 90 days totaling $2,000-$4,999.99 for $250, $5,000-$7,999.99 for $350, or $8,000 or more for $450.

Direct deposit and qualifying activity

Within 90 days, make at least 2 direct deposits totaling $2,000-$4,999.99 for $250, $5,000-$7,999.99 for $350, or $8,000 or more for $450.

Enroll in online or mobile banking and complete at least two qualifying direct deposits within 90 days of account opening.

Minimum opening deposit

$25

Offer timeline

  1. Open the account

    Open a new U.S. Bank Smartly Checking account through the promotional offer by 11-10-2026.

  2. Complete requirements

    Enroll in online or mobile banking and complete at least two qualifying direct deposits within 90 days of account opening.

  3. Expected bonus payout

    Bonus is credited within 30 days after all offer requirements are completed.

  4. Account closure and payout conditions

    The account must remain open and have a positive balance to receive the bonus.

Monthly fee and how to waive it

$12/mo

How to waive it

  • Maintain an average account balance of $1,500 or more.
  • Receive combined monthly direct deposits totaling $1,500 or more.
  • Own or open a U.S. Bank Smartly Visa Signature credit card.
  • Own an eligible U.S. Bank small business checking account.
  • Qualify for Smart Rewards Gold, Platinum, or Platinum Plus tier.
  • Qualify for an eligible customer group such as age 13-24, age 65 or older, military, Workplace-Financial Wellness Program, or U.S. Bank Global Transition Solutions.

Eligibility and previous-customer rules

New-customer rule

Neither the applicant nor any owner on the new account may have an existing U.S. Bank consumer checking account or have had one within the last 12 months.

Previous-bonus rule

Neither the applicant nor any owner on the new account may have received another U.S. Bank consumer checking bonus within the past 12 months.

Other restrictions

Offer is not available through Alliance partnerships or with Trust Accounts. Other restrictions may apply.

Availability

U.S. Bank states that the offer may not be available to applicants who live outside the U.S. Bank footprint.

Deadline, payout and account closure

Offer ends

Offer valid through 11-10-2026.

Expected bonus payout

Bonus is credited within 30 days after all offer requirements are completed.

Closure and payout conditions

The account must remain open and have a positive balance to receive the bonus.

Official information

Related current offers

Compare checking account bonuses and requirements
Bank (Account)Bonus Amount (Promo Code)Opening DepositRequirementsMonthly FeePayout TimelineAvailabilityOffer ExpirationLink
Bank of America(Bank of America Advantage Plus Banking)Up to $500$100
  1. Open a new eligible Bank of America Advantage Plus Banking account through the promotional page.
  2. Fund the account with the required minimum opening deposit.
  3. Within 90 days, receive qualifying direct deposits totaling at least $2,000 for $100, $5,000 for $300, or $10,000 or more for $500.
$12/moWaived with:

Receive at least one qualifying direct deposit of $250 or more each statement cycle.

Other ways to waive (2)
  • Maintain a minimum daily balance of $1,500 or more.
  • Have an account owner enrolled in BofA Rewards and qualify for the Preferred Plus, Preferred Honors, or Premier tier.
Bank of America states that it will attempt to pay the earned bonus within 60 days after the requirements are satisfied and the deposit period ends.NationwideView Offer
Truist(Truist One Checking)$500Code provided with offer$50
  1. Open a new Truist One Checking account using a valid promo code by 02-02-2027.
  2. Receive at least 2 qualifying direct deposits totaling $2,000 or more within 120 days.
  3. Complete at least 20 qualifying debit card purchases within the same 120-day period.
$12/moWaived with:

Receive $500 or more in total qualifying direct deposits per statement cycle.

Other ways to waive (5)
  • Primary account owner is under age 25 or age 62 or older.
  • Maintain a total combined ledger balance of $500 or more in Truist related accounts.
  • Have a personal Truist credit card, mortgage, or consumer loan, including LightStream.
  • Have a linked eligible small business checking account.
  • Primary account owner is a student.
Reward is deposited within 10 business days after all qualification requirements have been met and verified.
Select states onlyAL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV
View Offer
Chase(Chase Total Checking)$400$0
  1. Open a new Chase Total Checking account through the official promotional offer page.
  2. Receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
  3. Keep the enrolled account open and unrestricted through the time the bonus is paid.
$15/moWaived with:

Receive $500 or more in qualifying electronic deposits each monthly statement period.

Other ways to waive (3)
  • Maintain a balance of $1,500 or more at the beginning of each day.
  • Maintain a $5,000 or more average beginning day balance in this account or in combination with qualifying linked personal deposits or investments.
  • Link the account to a qualifying Chase checking account.
Bonus is deposited within 15 days after all qualifying requirements are completed.NationwideView Offer
Bank of America

Bank of America Advantage Plus Banking

Up to $500
Opening Deposit
$100
Requirements
  1. Open a new eligible Bank of America Advantage Plus Banking account through the promotional page.
  2. Fund the account with the required minimum opening deposit.
  3. Within 90 days, receive qualifying direct deposits totaling at least $2,000 for $100, $5,000 for $300, or $10,000 or more for $500.
Monthly Fee
$12/moWaived with:

Receive at least one qualifying direct deposit of $250 or more each statement cycle.

Other ways to waive (2)
  • Maintain a minimum daily balance of $1,500 or more.
  • Have an account owner enrolled in BofA Rewards and qualify for the Preferred Plus, Preferred Honors, or Premier tier.
Payout Timeline
Bank of America states that it will attempt to pay the earned bonus within 60 days after the requirements are satisfied and the deposit period ends.
Availability
Nationwide
Offer Expiration
View Offer
Truist

Truist One Checking

$500Code provided with offer
Opening Deposit
$50
Requirements
  1. Open a new Truist One Checking account using a valid promo code by 02-02-2027.
  2. Receive at least 2 qualifying direct deposits totaling $2,000 or more within 120 days.
  3. Complete at least 20 qualifying debit card purchases within the same 120-day period.
Monthly Fee
$12/moWaived with:

Receive $500 or more in total qualifying direct deposits per statement cycle.

Other ways to waive (5)
  • Primary account owner is under age 25 or age 62 or older.
  • Maintain a total combined ledger balance of $500 or more in Truist related accounts.
  • Have a personal Truist credit card, mortgage, or consumer loan, including LightStream.
  • Have a linked eligible small business checking account.
  • Primary account owner is a student.
Payout Timeline
Reward is deposited within 10 business days after all qualification requirements have been met and verified.
Availability
Select states onlyAL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV
Offer Expiration
View Offer
Chase

Chase Total Checking

$400
Opening Deposit
$0
Requirements
  1. Open a new Chase Total Checking account through the official promotional offer page.
  2. Receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
  3. Keep the enrolled account open and unrestricted through the time the bonus is paid.
Monthly Fee
$15/moWaived with:

Receive $500 or more in qualifying electronic deposits each monthly statement period.

Other ways to waive (3)
  • Maintain a balance of $1,500 or more at the beginning of each day.
  • Maintain a $5,000 or more average beginning day balance in this account or in combination with qualifying linked personal deposits or investments.
  • Link the account to a qualifying Chase checking account.
Payout Timeline
Bonus is deposited within 15 days after all qualifying requirements are completed.
Availability
Nationwide
Offer Expiration
View Offer

Understand the requirements