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U.S. Bank Smartly™ Checking
U.S. Bank · Online-only · OnlineSign-up bonus
- Offer
- $450 with $8,000+ in direct deposits (tiers: $250 at $2,000; $350 at $5,000)
- Amount
- $450
- Minimum deposit
- $8,000
- Deposit window
- 90 days
- Starts
- Sep 10, 2026
- Ends
- Nov 10, 2026 25d
Verified Oct 15, 2026 · issuer page
Interest
- APY
- 0.01%
- Rate type
- flat
- Notes
- 0.001–0.01% APY; offer value is the bonus
Verified Oct 15, 2026 · issuer page
Fees & limits
- Annual fee
- —
- Monthly fee
- $6
- Waiver balance
- $1,500
- Withdrawal limit
- —
- FDIC insured
- Yes
To qualify
- Apply Sep 10 – Nov 10, 2026
- $25 minimum opening deposit
- Receive 2 direct deposits totaling $8,000+ within 90 days of opening
Availability
Nationwide