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.
To earn the 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.
With a U.S. Bank checking account, you’ll surely find a checking account that suits your needs and works for you. The U.S. Bank Smartly® Checking Account will surely have the features and benefits you’ll enjoy.
Based in Minneapolis and America’s fifth-largest bank with more than 2,000 branches in 26 states, U.S. Bank offers many personal and small business products along with special promotions.
U.S. Bank Smartly® Checking Bonus
 |
- 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; waivable
(Expires 04/01/2026)
U.S. Bank Smartly® Checking 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 Waive Monthly Fees
- U.S. Bank Smartly® checking account: Waive the $12 Monthly Maintenance Fee 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
Bottom Line
Don’t forget about the U.S. Bank business checking bonus.
Feel free to compare all the latest U.S. Bank Promotions or check out our full list of bank promotions.
Member FDIC.
I funded a U.S. Bank Checking Account with an American Express Platinum Card and it went through as a Purchase.
It’s now updated. It should be OB86NG1
Anthony, The Promo codes in the review and the ..Checking Bonus PDF printout are only one letter different. Are these “2 codes” correct?
This offer expired, the link doesn’t work anymore.
I tried using my Everyday AMEX and had the same issue! Ended up using my Citi HHonors Reserve.
Yeah, I tried to use my Fidelity Amex card but it was considered a cash advance so I ended up using the Cap One Quicksilver instead. It went through as a sale.
Yup I used my BoA Alaska Airlines card. I read online that the Virgin Atlantic one works too.
Used my Business Platinum AMEX but it was considered a cash advance. Used my Chase British Airways instead.
I had no trouble using my Chase Hilton card. They even classified it as a purchase.
When I used my Barclay Arrival card it was fine. It was considered a purchase.
Yes, my Chase United funding posted as a purchase.
As did my Chase SW!
Funded my account with a barclay aviator card and it was a purchase.
My Chase Freedom worked too!
I used my Citi Prestige card to fund my account and it went through fine.
The Capital One Venture card worked and it was labeled as a sale.
Has anyone used a credit card for the opening deposit on their account?
First, contact the bank and talk to a banker to see if there is a closing fee. I usually keep it for 6 months before closing if you can keep the account fee free. That way, it doesn’t look bad.
Do you need to keep the account open for 6 months? I have already opened the account and receive the bonus. They paid within 10 business days of my initial direct deposit. I have since kept the $1500 balance and ceased dd. Would like to close in September but I don’t want to lose the bonus.
Called us bank and set up the checking account and funded it via other bank debit card, it was easy and took just a few minutes and I did not even need a promo code!
wish i could help as I have the same question. I read the bonus terms, it said you are not eligible if you received a bonus in 2015 and also stated the following: Offer may not be combined with any other checking account bonus offers, is not valid if you have received a checking account bonus in 2015, or if you have an existing U.S. Bank consumer checking account or Package
it says: “if you have” and existing checking; meaning still open, is the way I read that. If the bonus did not apply to customers who closed their accounts it would say “if you had” and existing account….
I feel like a bonus may be potentially earned here for you and I both
I had US bank bonus before and the account was closed two years ago. Am I still qualified for this bonus this years?
May
Seems they do not honor this as easily as Chase.
I just got email
Upon review of your account profile, I see that we do not have record of U.S. Bank having mailed or emailed you a cash bonus offer for opening a new checking account. All offers are customer specific, are non transferable, and are received either by mail or email. If you found an offer online, I apologize these are not valid offers and are not recognized by U.S. Bank. If you did receive a mailing or email offer from U.S. Bank, we ask that you please email us a copy of the offer so that we may research this matter further.