Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Member FDIC.
Update 5/2/25: The $450 checking bonus offer has been extended through 6/26/25.
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
If you’re planning on opening a new checking account, U.S. Bank has a checking account that will surely meet your banking needs in an account.
U.S. Bank Smartly® Checking Bonus
What you’ll get: Up to $450 bonus- Account Type:
- Availability: Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
- Monthly Fee: $6.95; see below on how to waive the fee
(Expires 06/26/2025)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($300 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
U.S. Bank Smartly® Checking Account Features
Get a checking account that empowers you to Bank Smartly®. Put U.S. Bank’s new checking product to work for you with:
- Multiple ways to get monthly maintenance fees waived
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
- Manage cash easily with automated budgeting in a #1 rated mobile app
- Send money with Zelle®
- No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- Access to U.S. Bank Smart Rewards® to reap additional benefits
How To Earn Bonus
- Earn up to $450 with a new Bank Smartly Checking account
- Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Earn $250 when the combined total of your direct deposits is between $2,000 and $4,999.99
- Earn $350 when the combined total of your direct deposits is between $5,000 and $7,999.99.
- Earn $450 when the combined total of your direct deposits is $8,000 or more.
How To Avoid Monthly Fee
The U.S. Bank Smartly® Checking Account does carry a $6.95 Monthly Maintenance Fee waived with one of the following:
- Are 24 and under, 65 and over or a member of the military (must self-disclose), OR
- Have combined monthly direct deposits totaling $1,000+, OR
- Keep average account balance of $1,500+, OR
- Hold an eligible U.S. Bank credit card, OR
- Qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle)
Conclusion
If you’re looking to open a new checking account and stuck on which bank to go with, U.S. Bank is a great fit with a checking account to meet your needs.
Looking to open a business checking account? If so, see our review on business checking accounts from U.S. Bank.
Find all U.S. Bank bonuses here and our full list of bank bonuses for all your banking needs!
Check back for the latest U.S. Bank checking bonus offers.
Find your nearest U.S. Bank location here.
Member FDIC.
