U.S. Bank offers an attractive bonus of up to $450 for new Smartly® Checking customers.
By opening a new account and meeting specific requirements, you can easily qualify for this bonus. Imagine enjoying this extra cash along with numerous account benefits.
Let’s explore how you can take advantage of this offer and enhance your financial well-being.
See the bottom of this page for more offers.
U.S. Bank $400 Checking Bonus Offer
- What you’ll get: $400
- Where it’s available: Nationwide
- How to earn it:
- Open a New Account:
- Apply for a new U.S. Bank Smartly® Checking account online, in branch, or over the phone.
- Make an opening deposit of $25 within 30 days of account opening.
- Enroll in Online Banking:
- Within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking.
- Set Up Direct Deposits:
- Between $2,000 and $4,999.99 to earn $250.
- Between $5,000 and $7,999.99 to earn $350.
- $8,000 or more to earn $450.
- Receive Your Bonus:
- The bonus will be credited to your account within 60 days following the end of the month in which you completed the requirements.
- Open a New Account:
- When it expires: 2/28/26
Trending Checking Account Deal:
BMO Cash Bonus: Earn an Easy $400 Checking Cash Bonus*
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 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 $400 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 9/8/25 Show Less
Waive The Monthly Fee
- The monthly maintenance fee can be waived by meeting one of the following criteria:
- Maintain an average account balance of $1,500 or more.
- Have an open qualifying U.S. Bank consumer credit card.
- Combined monthly direct deposits totaling $1,000 or more.
- Be a member of the military or part of a select age group (24 and under or 65 and over).
READ MORE: GET TOP OFFERS FROM BMO, CIT and AXOS.
Benefits of U.S. Bank Smartly® Checking:
- Enhanced Direct Deposit Options: Include Zelle®, PayPal, and Venmo alongside recurring paychecks and government benefits.
- Zero Overdraft Fees: No fees for overdrafts of $50 or less.
- No ATM Fees: Access over 65,000 ATMs nationwide without fees.
- Family Banking: Use your Greenlight account to help your kids earn, spend, and save with confidence.
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- Huntington Bank $400 Perks Checking Account Bonus – Ends 3/15/26 - Huntington Bank is offering several personal checking bonuses. They doubled their offer for the Perks Checking account from $200 to $400. Update 2/2/26: The offer…
- Citizens Bank Bonus: Up To $400 Checking Promotion – Ends 3/31/26 - Citizens Bank Bonus, Citizens Bank Promotion: Get up to $400 in bonus money for a new checking account with this offer from Citizens Bank. To…
Our Take On the Bank Offer
Opening a U.S. Bank Smartly® Checking account not only gives you access to excellent banking services but also allows you to earn a substantial bonus. By following the simple steps and meeting the requirements, you can enjoy both financial rewards and enhanced banking services.
Take advantage of this offer and start your journey towards better banking with U.S. Bank today!
Find the best U.S. Bank bonuses here.
By John Huynh, with over two decades in finance and investing, including as a Senior Finance & Operations Manager at a renowned research institute and degrees in Economics and International Studies from UC Irvine. Edited by Tony Jay, an experienced finance blogger and Executive Editor with two decades in banking, specializing in online banking and savings strategies. Tony holds a doctorate from Tulane University.
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