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
- 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.
Early Account Termination Fee
There is no early account termination fee to worry about
Our Verdict
Some people might be better off with the public bonus depending on your direct deposits, but most people will be able to hit the higher tier here.
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Calculate And Share Your ChexSystems Datapoints
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
They’re separate offers.
Can the U.S. Bank Refer a friend Treat yourself with $100.be done with the 600/450 SUB?
Did you ever get the offer?
Absolutley
It is likely that the offer will be extended. No harm waiting for a few more days.
Opened savings account and approved yesterday. Probably too late for the 600 offer if it expires on the 31st (that is if I get an email offer). But I do have a 450 offer for checking if that fails.
Did you get a payout?
Ive churned the checking before and I have 2 different business accounts (sole prop ssn + ein) for cards, checking, savings. I opened a personal savings over a week ago in hopes of being targeted since I havent been targeted, and still have not been targeted yet. I only see business and CD offerings on my personal login.
Family member targeted for $600 offer 7/3/26 – $4,000+ transfer from Sofi checking 7/8/26 – $4,000+ transfer from Sofi checking 8/20/26 – $600 Adjusted Interest posted
Success! 07/10 Opened CD to establish relationship with USB 07/14 Received email with $600 offer 07/14 $275 funded using Citi AAdvantage PS coded as purchase 07/24 $2002 from Amex HYSA 07/28 $6003 from Amex HYSA 08/06 $12 maintenance fee charged and waived 08/20 $600 “Adjusted Interest” posted
Have you kept it frozen still now for future USB applications? I have a USB business card but was not targeted for this 600 personal checking offer, nor do i have or have had a usb personal checking. Did you know there is a “state farm” one? It also says you need to be state farm but a comment said they got it without being state farm. Would you have done the state farm one or this one? (Even though you already did this one)
Just Chex.
8/8 Applied through link with Chex still frozen. Credit card funding kept saying the details didn’t match and locked me out. Pending. Did you also freeze all three credit beaurus or just one or just two or none?
Which CD Specifically did you buy to get targeted? No other USB PRODUCTS?
I’d give it until at the very least the 60 days mark before giving up on it. From your comments, sounds like you’ve done everything you’re supposed to do.
Lol I messed up bad. 08/08 opened a one month cd to establish a relationship. For whatever reason I thought I should delay opening a Savings because I wanted to make myself available/eligible for any Savings promos that could pop up. 08/11 opened a Savings account. Realized the likelihood of a promo on Savings is slim. Also recalled seeing comments on here about the CD opening path taking much longer to get the targeted Checking promo … 2 weeks vs less than 1 with the Savings open. HOWEVER, when I was opening the Savings account the app was trying to push bundling the opening with the Checking account. There was a checkbox to also apply for a Checking account but I never marked it. I’ve since gotten a couple emails about resuming the Checking application, with an application ID already assigned, and that this current status and info of my application will be saved and available until Sept 10. I was highkey hoping to get this Checking account for the $600 as well as another $100 in Paze but it’s not in the cards I guess. Instead I now have $500 held hostage for a month, as well as a pending $25 in the Savings account that I think I should immediately withdraw because I don’t care to deal with the monthly $5 fee for not having the Checking account. 08/13 Just a little past midnight and I see in the app a “Recommended for you” for the Checking account. No mention of any kind of bonus whatsoever. It hurts being stupid.
Do you have a tracker? Tracker is showing for P1 for 450 bonus. P2 is deciding to do 450 or 500 or 600.
I only saw the $600 bonus offer on the app dashboard. I wanted to use a pc was unable to find the offer on the desktop website so I signed up through the offer in the app.
I do not see a tracker on the app
I was targeted for the $600 bonus a month ago and opened the account. I was expecting the bonus to hit today (being the 2nd Tuesday?), but I don’t see any pending deposits on my statement yet. Here’s my history: 06/24 – Denied for Checking account 06/29 – Opened Savings account to establish a relationship 07/06 – Opened Checking account after receiving the targeted offer 07/06 – $50 ACH from SoFi for initial deposit since I kept getting a bunch of errors while trying to make the deposit using my CCs 07/06 – $2000 ACH from SoFi 07/09 – $6005 ACH from SoFi 07/16 – Real DD 07/31 – Real DD I have been unable to see the tracker on either the website or the Android app. I called CS early on after opening the account, and they confirmed that the bonus was attached. Any advice?
Is it only in the app dashboard, or also on the website?
I just opened a savings account to try and duplicate this. I’ll update if I get the $600 checking bonus offer.
It must be a new thing, I got it too. I agree it probably won’t stack.
I received a refer a friend email from US Bank. It’s for a $100 bonus to open a Smartly checking account. Is this a new thing? I didn’t see any information online about a referral program. “Earn your $100 bonus-Make a deposit of at least $25 within 60 days of opening your account. Then, within 90 days of account opening: Enroll in the U.S. Bank Mobile App or online banking. Make at least two direct deposits that total $1,000.” I don’t think it would stack with another bonus since it has the same language as the $600 bonus offer about signing up from that particular webpage. “Use the Apply buttons above and we’ll apply the promotional offer to your application for you. If you apply for your checking account from a different page, you won’t be able to get the offer. “
Any success in using link and getting $600 bonus to account?
That is not relevant. State Farm is not needed for this 600 offer.
Consensus?
No prior to relationship to USBank, so I established one 7/28/26- Opened a savings account 8/1/26 – received the $600 checking bonus on my dashboard
Unfortunately, I don’t think that has been proven to mean much.
I just called and they said they could see the code attached to my new account