U.S. Bank Smartly Checking — up to $450
$450
verified todayends Nov 10, 2026
Open a new Bank Smartly Checking account through the offer page between 09/10/2026 and 11/10/2026 with a $25+ deposit. Within 90 days, enroll in mobile or online banking and receive 2+ direct deposits totaling $2,000 ($250), $5,000 ($350) or $8,000+ ($450). Paid within 30 days.
Affiliate link where available — see disclosure below. Always confirm terms on the bank's page.
How to earn it
- 1.Open a new U.S. Bank Smartly Checking account (available nationwide).
- 2.Receive qualifying direct deposits; total direct deposits determine the tier, ranging from $2,000 up to $8,000 for the maximum $450 bonus.
Bonus tiers
$2,000-$4,999 in direct deposits within 90 days earns $250$250
$5,000-$7,999 in direct deposits within 90 days earns $350$350
$8,000+ in direct deposits within 90 days earns $450$450
The details
Minimum deposit to open$25
Monthly feeNone
Time to complete90 days from account opening
Bonus payout~30 days
Direct depositRequired — $2,000+
ACH counts as DD?Unknown
AvailabilityNationwide
Eligibility: Not eligible if you have or had a U.S. Bank consumer checking account, or received a U.S. Bank checking bonus, in the past 12 months.
Notes: Confirmed from Doctor of Credit (updated 2026-07-17). Exact direct-deposit tier thresholds not published in source; recorded as a $2,000-$8,000 range. DoC notes 12-month anti-churn window (bank rebonus_wait_months not set to avoid modifying existing bank row).