DOC Compass — Offers, decoded

Extended to December 30th

Note: This is a targeted offer, terms state ‘Note: This offer is for the intended recipient and is non-transferable.’ Should show when you login if eligible

Offer at a glance

Maximum bonus amount: $600
Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
Direct deposit required: Yes
Additional requirements: None
Hard/soft pull: Soft
ChexSystems: Mixed data points
Credit card funding: Can fund up to $250 with a credit card
Monthly fees: $12, avoidable
Early account termination fee: None
Household limit: None
Expiration date: August 31, 2026

The Offer

Direct link to offer

U.S. Bank is offering a $600 bonus when you open a new Smartly checking account. Requirements are as follows:
- Earn $300 when the combined total of your direct deposits is between $4,000 and $7,999.99
- Earn $600 when the combined total of your direct deposits is between $8,000+

The Fine Print

This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Promotional offer may only be used once. Bonus will not be paid if promotion code is retrieved by unintended recipient or if promotional offer is retrieved from a deals website.
U.S. Bank Smartly® Checking bonus: To be eligible, you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months.
To receive the bonus, you must open a new U.S. Bank Smartly Checking account either online through the promotional offer web page, in a branch or over the phone by August 31, 2026.
The account must be funded with at least $25 within 60 days of account opening to prevent closure. Your promotional offer will be automatically applied if you open your account through the promotional offer web page.
Additionally, you must enroll in the U.S. Bank Mobile App or online banking within 90 days of opening your account. You must also complete two or more direct deposits within 90 days of opening your account that total: $4,000 to $7,999.99 to earn the $300 bonus, or $8,000 or more to earn the $600 bonus.
A direct deposit is an electronic deposit of your paycheck made through the Automated Clearing House (ACH) network or an electronic deposit of your government benefits, such as Social Security, from your employer or the government.
Other electronic deposits or person-to-person payments are not considered a direct deposit.
Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days following the completion of all the offer requirements.
Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes.
Offer may not be combined with any other checking account bonus offers.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

U.S. Bank Smartly has a $12 monthly fee, this is waived if you do any of the following:

Have at least $1,500 in monthly direct deposits.
Hold a minimum average account balance of $1,500.
Be an owner on an eligible small business checking account.
Belong to an eligible customer group2 such as youth, young adult, senior or military.
Qualify for Smart Rewards Gold Tier or above.
Be an owner on a Bank Smartly™️ Visa Signature® Card or personal State Farm credit card for Alliance clients.