U.S. Bank Smartly® Checking – $450 Bonus Offer (Ends 6/26/25)

Get a huge checking account bonus from one of the nation’s most trusted banks. This is one of the largest U.S. Bank offers we’ve seen lately—and it’s surprisingly easy to qualify.

Want the best bank bonuses nationwide? Check out our curated list of the top bonuses right now — updated weekly!

Earn Up to $450 with U.S. Bank Smartly® Checking

U.S. Bank is offering new customers up to $450 in cash just for opening a Smartly® Checking account and setting up direct deposit. If you’re looking for a user-friendly account with mobile banking, overdraft protection perks, and an easy way to avoid monthly fees, this might be a solid option.

Offer ends: June 26, 2025.

Here’s how the bonus breaks down:

• Earn $250 when your total direct deposits are between $2,000 – $4,999.99
• Earn $350 for total direct deposits of $5,000 – $7,999.99
• Earn $450 for total direct deposits of $8,000 or more

To qualify, just open a new U.S. Bank Smartly® Checking account and complete two or more direct deposits within 90 days.

Trending Checking Account Deal:

BMO Cash Bonus: Earn an Easy $350 Checking Cash Bonus*

Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $350 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the...Show More

Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $350 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the first 90 days. Enjoy no monthly maintenance fees, no minimum balance requirements, and access to over 40,000 fee-free ATMs nationwide. Act now before it ends 5/2/24. Show Less

Earn $350

Go to the deal

How to Waive the Monthly Maintenance Fee

The $6.95 monthly fee is easily waived if you do one of the following:

• Maintain an average account balance of $1,500
• Have monthly direct deposits totaling $1,000+
• Own an eligible U.S. Bank consumer credit card
• Be under 25, over 65, or a member of the military

What We Like About It

• The up to $450 bonus is one of the most competitive checking offers on the market.
• You only need two direct deposits—many banks require more.
• Their mobile app is top-rated and packed with features.
• Greenlight Select (great for families) is included for free.
• Comes with overdraft fee forgiveness on small amounts.

Our Take

If you’re looking to make some easy money with a checking account you can actually use, U.S. Bank’s Smartly® Checking bonus is hard to beat. Even if you only qualify for the $250 or $350 tier, it’s still a solid reward for setting up your direct deposit with a major bank that has good digital tools and helpful perks.

Just make sure to open the account through the promo link and complete your deposits within the 90-day window.

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