checking
U.S. Bank $450
Smartly Checking
U.S. Bank's top Smartly Checking tier pays $450 after two direct deposits totaling $8,000 or more within 90 days.
Effective value after fees
$426
$450 minus an estimated $24 if the $12 fee hits for two months after the waiver period. Meet a published waiver and the value is $450.
Exact requirements
- Open Smartly Checking through the offer page by June 1, 2027.
- Enroll in the app or online banking within 90 days and fund at least $25 within 60 days.
- Two or more qualifying direct deposits totaling $8,000 or more within 90 days pay $450.
- Not for someone who has, or in the last 12 months had, a U.S. Bank consumer checking account or checking bonus.
- Bonus
- $450
- Direct deposit
- At least two direct deposits totaling $8,000 or more within 90 days.
- Deposit
- At least $25 within 60 days of opening.
- Keep the account open
- Must be open with a positive balance when the bonus is credited.
- When the bonus posts
- Within 30 days after requirements are complete.
- Expiration
- Apply by June 1, 2027.
- Monthly fee
- $12 after the first two statement periods.
- How to waive it
- See the $250 tier. $1,500 monthly direct deposits or a $1,500 average balance are two of the published waivers.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. Footprint limits are mentioned. The state list is not on the offer page.
- Last verified
- November 15, 2026
Fine print
APY on the account is tiny and tiered (0.001% or 0.005% as of October 31, 2026, variable). The bonus is the reason to look, not the rate. Verified November 15, 2026.
Source checked November 15, 2026: https://www.usbank.com/splash/checking/2026-q4-digital-checking-offer.html