U.S. Bank $450

I’m getting close to doing my first churn, and it is this. I’m curious if I closed my account on 10/17/25 by calling them up that day and having the account “closed” then can I open a new account on 10/18/26, or is there some kind of grace / delay in closing? Does it vary by bank? by personal/biz account? instead of keeping track of a bunch of different timelines do you just estimate like x weeks of wiggle room for all churns? Super Pirate formerly SP 🔗 Gadget 🕵️‍♂️ Bank Bonus Geek 🔗 tagging the pros so I’ll only have to ask once hopefully.

DP: 9/14- Opened 9/17- Push $3k from USAA 9/21- Push $5k from USAA 9/24- $450 Bonus as “adjusted interest”

DP: -Last closed personal checking account 01/2025. -Opened 9/11/26. -FLORIDA resident with a personal cc. -SOFI CHECKING $4k standard deposit 9/17 and 9/19. -Bonus $450 on 9/23/26 adj. Intrest. -Never got a bonus tracker of any kind.

Chuck This went up to $600. Got email “Earn up to $600 with Bank Smartly Checking” 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 promotional offer is retrieved by unintended recipient or if promotional offer is retrieved from a deals website. 1. 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 through the promotional offer web page, in a branch, or over the phone by December 30, 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, $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. A rate of 0.001% Annual Percentage Yield (APY) applies to accounts with balances between $0–$24,999.99. A rate of 0.005% APY applies to accounts with balances of $25,000.00 or more. U.S. Bank Smartly® Checking is a tiered-rate account. Advertised rates are variable and effective as of August 31, 2026. Rates in any tier are subject to change at any time before or after account opening. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account. Fees could reduce earnings on the account. A $12 monthly maintenance fee applies to the U.S. Bank Smartly® Checking account, which may be waived if certain requirements are met. Refer to the Consumer Pricing Information for full details on fees, waivers, and eligibility. 2. Bank Smartly Checking Account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date. Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier). The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

Any recent DPs using Citibank Checking pushes? Most recent DPs I can see date back to April 2026, and I don’t have the tracker in the app or website to try things out and see if they’re working. I had to chat with an agent to confirm I am signed up, and she said the bonus not always comes with a tracker. DW, I haven’t done any deposits yet, so there was nothing in my account that said I was “spoofing” deposits.

I’d just like to say that I’m having a terrible experience. I did get an account open OOS tho. Applied for checking+savings OOS, account denied. Called the number and asked why my account went into review and what they need from me, they stated that I could fax my ID and social security card. That, or they can transfer me to another line to have them try to help me make a new application over the phone. I agreed. On the phone, this woman helped me make a new application, but I have no way of knowing if she actually applied the welcome bonus offer. This is the problem. I forgot to get 100% clear confirmation that it was applied on this new application. I did ask and she said yes it was, but now I am having my doubts. My account creation was successful OTP with the woman typing everything in for my application. It was funded via debit card. Anyways, now I have a U.S. bank account. I called them 3 times and asked in various different ways trying to get confirmation that the welcome bonus offer was applied to my account. They can only tell me that as long as I am meeting ALL of the offer requirements and wait the entire period, then I will know if it was successful or not. So… I don’t know. I an sure that one of the offer requirements for phone account signups is that you must tell the person who is creating the account to apply the welcome bonus offer, which I did, but I find it very hard to trust that she did. Anyways, I make some bogus transfers now because I do not want to change my direct deposit for a “maybe.” We will see what happens. I am not too thrilled with this experience thus far. If I don’t get a bonus within a month, I will go the Biz ACH route… That’s my rant for now. Thanks.

DP: Being out of the US Bank market area, I signed up for a CD so I could then sign up for this bonus. I signed up for the CD on 09/09/2026. I logged in today (09/15/2026) to check my CD account and the website presented a popup for a $600 bonus for signing up for the Smartly Checking account. Same terms as the offer in this post, $8,000 in direct deposits for the $600 bonus, I signed up for the $600 bonus offer and my application is currently pending. I’ll try to remember to update this comment if my application is approved.