Bank bonus
U.S. Bank · Bank Smartly Checking
Ends 2026-11-10
The terms
| Bonus | $250 ($2,000 DD) · $350 ($5,000 DD) · $450 ($8,000 DD) |
|---|---|
| Minimum | $8,000 in direct deposits for $450 |
| Direct deposit | Required: Two+ direct deposits totaling $2,000/$5,000/$8,000 within 90 days |
| Money tied up | about 90 days |
| Fees | $12/mo; first two statement periods waived, then waivable |
| Expires | 2026-11-10 |
| States | Nationwide |
| Credit pull | soft (Doctor of Credit data points, not stated by the bank) |
In their own words
Offer ends November 10, 2026. ... You must also complete two or more direct deposits within 90 days of opening your account that total: $2,000 to $4,999.99 to earn the $250 bonus, $5,000 to $7,999.99 to earn the $350 bonus, or $8,000 or more to earn the $450 bonus.
Quoted from https://www.usbank.com/splash/checking/2026-all-market-checking-offer-var-four.html, checked 2026-10-24.
See the offer at U.S. BankBattle math
| Amount | 30 days | 90 days | 180 days | 365 days |
|---|---|---|---|---|
| $5,000 | — | +$438 | +$438 | +$438 |
| $10,000 | — | +$438 | +$438 | +$438 |
| $25,000 | — | +$438 | +$438 | +$438 |
| $100,000 | — | +$438 | +$438 | +$438 |
Dollars you keep = bonus + interest earned (APY over the days) − estimated fees. "—" means the amount or time doesn't qualify.
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