U.S. Bank Smartly Checking & Savings Bonus: Up to $500 Cash Walkthrough

U.S. Bank Smartly Checking $300 – $500 Bonus

U.S. Bank is the fifth largest commercial bank in the United States and offers the Bank Smartly® Checking account with an aggressive promotional bonus reaching up to $500.

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Offer Tiers Explained

1. $300 Bonus Tier:
   • Complete cumulative direct deposits totaling $3,000 to $4,999.99 within 90 days.
   • Enroll in the U.S. Bank Mobile App or online banking.
2. $500 Bonus Tier:
   • Complete cumulative direct deposits totaling $5,000 or more within 90 days.
   • Enroll in mobile or online banking.

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Monthly Fee Waiver Details

The Bank Smartly Checking account has a $6.95 monthly maintenance fee, waived by meeting any of the following:

• Have qualifying U.S. Bank consumer credit cards.
• Maintain a minimum average monthly balance of $1,500.
• Maintain combined balances of $25,000 or more across linked accounts.
• Qualifying military service or age 24 and under / 65 and older.

Hacker Tip: Holding an active U.S. Bank credit card (like the Altitude Go or Cash+ Card) permanently waives the monthly fee on Bank Smartly Checking!

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Churning Timeline & Rules

• Not open to existing U.S. Bank checking account holders.
• You must not have received a U.S. Bank checking bonus within the past 24 months.
• Bonus posts within 60 days of the end of the calendar month in which requirements were met.

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