U.S. Bank has a new offer up its sleeves. The bank is offering its new customers an enticing opportunity. Customers can earn up to $450 in bonus cash through its Smartly® Checking promotional offer. This deal is for a limited time and ends on June 26, 2025.
The offer is designed to attract new account holders who are willing to meet specific activities. Customers must also be willing to deposit requirements within the first 90 days of account opening.
Those who wish to avail of the bonus must open a new Smarty Checking Account. They should also submit the special promotional form offered by the bank.
Since the bonus is tied to a tiered direct deposit system, it gives customers the flexibility to earn more if they deposit higher amounts.
Here are the details of the bonus structure. The bonus breakdown is straightforward. It is calculated on the collective total of direct deposits made into the new Account within the first 90 days of opening:
- $250 Bonus: Earned with total direct deposits between $2,000 and $4,999.99.
- $350 Bonus: For total deposits ranging from $5,000 to $7,999.99.
- $450 Bonus: Granted when total direct deposits reach $8,000 or more.
Because of this system, customers can choose which target level they wish for and then manage their deposit activity accordingly.
In addition to making qualifying direct deposits, there are a few more requirements. Customers must opt for online or mobile banking. This has to be done by the bank’s digital platform and not by any other third-party service.
There should be at least two direct deposits done during the qualifying period. Once all the conditions are met and details are verified by the bank, the bonus is usually deposited into the bank account.
There are few other benefits of the U.S. Bank’s Smartly Checking Account, aside from the cash incentive. These valuable features are planned according to modern banking needs.
The bank requires its customers to pay a $12 monthly maintenance fee. However, this charge can be waived under a few conditions.
- If customers maintain a minimum balance of $1,500.
- If they receive monthly direct deposits of $1,500 or more.
- If customers hold a U.S. Bank Smartly® Visa Debit Card.
- If customers are students, members of the military, or U.S. Bank Small Business Checking customers.
The bank and the account also include overdraft protection benefits. It is called the Overdraft Fee Forgiven program. This feature forgives overdrafts if the qualifying deposit is made soon after the Account has been overdrawn. Also, if the overdraft amount is $50 or less, there will be no overdraft fees. This helps in financial hiccups of the customers.
It is to be noted that this offer is only for new U.S. bank checking customers. Those who currently hold a U.S. bank account or have had one in the last 12 months are not eligible for this service. Customers who have received a U.S. Bank checking bonus within the past year can not take part in this promotional activity.
For those who are looking to switch banks or open a new checking account, it is a great offer with bonus features. Make sure to act before June 26, 2025, to take advantage of this deal.
