Updated. US Bank has a when you open a Bank Smartly Checking account with $25 minimum and complete the following within 90 days:
- Enroll in the U.S. Bank Mobile App or online banking.
- Complete two or more direct deposits.
Your bonus is determined by the total amount of your direct deposits in those 90 days:
- Earn $250 when your direct deposits total $2,000 to $4,999.99.
- Earn $350 when your direct deposits total $5,000 to $7,999.99.
- Earn $450 when your direct deposits total $8,000 or more.
The Smartly Checking account has a $6.95 monthly fee which that is waived with any one of the following:
- Your combined monthly direct deposits total $1,000 or more.
- You keep a minimum average account balance of $1,500 or more.
- You are age 24 and under.
- You are age 65 and over.
- You are a member of the military.
- You hold an eligible US Bank credit card
- Qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle).
- Are a member of another of their “special customer groups”.
You may still be considered a “new” account even if you had a US Bank account years ago:
U.S. Bank Smartly® Checking bonus: To be eligible, you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months.
Note: US Bank often restricts their financial products to those states where US Bank has a physical branch presence. They will filter you out by zip code.
Tip: However, people outside this footprint may be allowed to open an account if they have other US Bank products. I was more recently able to get this bonus even though I was outside their physical branch footprint by opening a first. I think they may have opened just the Smartly Savings nationwide recently (or was it just me?). If that isn’t working for you, you may also try to open a small certificate of deposit (CD) or even a brokerage account or go directly for a credit card. It’s strange, but once they let you open one account, they’ll let you open the rest quite easily.
This offer comes around regularly, but is still a pretty solid bonus if you haven’t done it before. You may also find it worth the effort now due to the new that can earn up to 4% cash back with enough assets at US Bank.
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