U.S. Bank
U.S. Bank Smartly Checking $250 – $450 Bonus
Bonus range
$250 – $450
Expires
Apr 6, 2026
Time to complete
~90 days
Bonus deposited in
~60 days
Difficulty
Medium
Requirements
Last verified: Mar 21, 2026
$250 Tier
Open an account
Open your new account using the offer link before the offer expires.
Make a minimum deposit
Deposit $25 within 30 days of account opening.
Make 2 or more direct deposits
Separate direct deposits should total at least $2000 within 90 days.
$350 Tier
Make a minimum deposit
Deposit $25 within 30 days of account opening.
Make 2 or more direct deposits
Separate direct deposits should total at least $5000 within 90 days.
$450 Tier
Make a minimum deposit
Deposit $25 within 30 days of account opening.
Make 2 or more direct deposits
Separate direct deposits should total at least $8000 within 90 days.
U.S. Bank requires two or more qualifying direct deposits within 90 days; the bonus is typically credited 30–60 days after all requirements are met.
Direct Deposit Data Points 5
Community-reported results for what triggers a qualifying direct deposit at U.S. Bank.
So like Eric 🔗 I never had access to the tracker on my bonus (I was doing the mailer bonus received via USPS after movi…
by DaBrain13
So like Eric 🔗 I never had access to the tracker on my bonus (I was doing the mailer bonus received via USPS after movi…
by DaBrain13
Account Details
- Average account balance of $1,500+
- Combined monthly direct deposits totaling $1,500+
- Account owner of an open U.S. Bank Smartly™ Visa Signature® credit card
- Smart Rewards® Gold tier or above
- Owner of an eligible U.S. Bank small business checking account
- Member of eligible customer group (youth/young adult/senior/military/Workplace-Financial Wellness, etc.)
$50 early account closing fee if closed within 180 days of opening.
Eligibility
Cannot have had a U.S. Bank consumer checking account in the last 2 years.
- Must open in a state where U.S. Bank operates
Rechurnable?
Fine Print
Offer may not be available if you live outside of the U.S. Bank footprint.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.