checking
U.S. Bank $250
Smartly Checking
New U.S. Bank Smartly Checking customers earn $250 with two direct deposits totaling $2,000 to $4,999.99 in 90 days.
Effective value after fees
$226
Minimum-path estimate: $250 minus two $12 fees after the two free statement periods ($24). A $1,500 monthly direct deposit, or a $1,500 average balance, waives the fee and leaves the bonus at $250.
Exact requirements
- Open a new Smartly Checking account through U.S. Bank's promotional page by June 1, 2027. Opening from a different page does not get the offer.
- Fund at least $25 within 60 days so the account is not closed.
- Enroll in the U.S. Bank mobile app or online banking within 90 days.
- Complete two or more direct deposits within 90 days that total $2,000 to $4,999.99. Other electronic deposits and person-to-person payments do not count.
- You cannot already have a U.S. Bank consumer checking account, have had one in the last 12 months, or have received another consumer checking bonus in the past 12 months.
- Bonus
- $250
- Direct deposit
- At least two paycheck or government-benefit direct deposits totaling $2,000 to $4,999.99 within 90 days.
- Deposit
- Opening deposit of at least $25 within 60 days of opening.
- Keep the account open
- Not stated as a penalty period. The account must be open with a positive balance when the bonus is credited.
- When the bonus posts
- Within 30 days after you complete the requirements, as an adjusted-interest credit.
- Expiration
- Apply through the offer page by June 1, 2027.
- Monthly fee
- $12 monthly maintenance fee, waived for the first two statement periods.
- How to waive it
- After the intro waiver: combined monthly direct deposits of $1,500 or more, a $1,500 average balance, age 13–24 or 65 and over, military self-disclosure, a qualifying card or business account, or a Smart Rewards tier, among other published paths.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. U.S. Bank says the offer may not be available if you live outside its footprint. The page does not list the states.
- Last verified
- November 15, 2026
Fine print
Higher totals on the same page pay $350 or $450 instead. One checking bonus per eligible account. Reported as interest on Form 1099-INT. Not available with trust accounts or through Alliance partnerships. Verified November 15, 2026.
Source checked November 15, 2026: https://www.usbank.com/splash/checking/2026-q4-digital-checking-offer.html