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Checking account · U.S. Bank
Last verified June 6, 2026

U.S. Bank Smartly Checking

Up to $450, now tiered by total direct deposits within 90 days: $3,000 earns $250, $5,000 earns $350, and $8,000+ earns the full $450. No monthly fee when you enroll in direct deposit, and it pairs with the U.S. Bank Altitude Go card for additional rewards.

The deal

Open Smartly Checking and receive $8,000+ in direct deposits within 90 days

The walkthrough

  1. 01 Apply online through the offer page — no promo code is needed; using the page's apply button attaches the offer to your application.
  2. 02 Route $8,000+ in direct deposits through the account within 90 days for the full $450 (smaller deposit totals earn the $250 or $350 tier).
  3. 03 The bonus posts within 60 days of meeting the requirement.
  4. 04 Keep the account open at least 6 months to avoid an early-closure fee.

What to watch for

  • ! U.S. Bank runs ChexSystems — if you've had banking issues in the last 5 years, expect extra scrutiny.
  • ! The direct deposit must be from an employer or a government benefit. Personal ACH transfers do not qualify.
  • ! Time-sensitive: you must open the account by June 18, 2026 to qualify for this offer.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →