checking

U.S. Bank $350

Smartly Checking

The middle Smartly Checking tier pays $350 when two direct deposits total $5,000 to $7,999.99 within 90 days.

Effective value after fees

$326

$350 minus an estimated $24 of fees if the $12 charge applies for two statement periods after the intro waiver. Waive the fee and keep $350.

Exact requirements

Same Smartly Checking promotion as the $250 and $450 tiers. You earn one tier.
Open through the promotional page by June 1, 2027, enroll in online or mobile banking within 90 days, and fund $25 within 60 days.
Two or more paycheck or government-benefit direct deposits totaling $5,000 to $7,999.99 within 90 days pay $350.

Bonus: $350
Direct deposit: At least two direct deposits totaling $5,000 to $7,999.99 within 90 days.
Deposit: At least $25 within 60 days of opening.
Keep the account open: Account must be open with a positive balance at payout. No longer period is stated.
When the bonus posts: Within 30 days after the requirements are complete.
Expiration: Apply by June 1, 2027.
Monthly fee: $12 after two waived statement periods.
How to waive it: $1,500 in combined monthly direct deposits, a $1,500 average balance, or another waiver printed in U.S. Bank's consumer pricing information.
Early closure: Not stated.
Credit pull or ChexSystems: not stated
Where it is offered: Availability not stated. May be unavailable outside the U.S. Bank footprint. States are not listed on the offer page.
Last verified: November 15, 2026

Same eligibility limits as the other Smartly tiers. Verified November 15, 2026.