Reader reports the bank-funded portion posted two business days after the qualifying deposit window closed.
Bank bonus · complete source review
U.S. Bank
$450 Smartly Checking bonus
High payout, but the direct-deposit target makes this best for higher earners.
Offer at a glance
Maximum bonus$450
AvailabilitySelect states
RequirementTwo or more direct deposits totaling $8,000 within 90 days
Account typeChecking
Annual feeNone listed
Difficultymedium
ExpirationAugust 27, 2026
Community activity18 reports today
Reader data points
What the community is seeing
A prior checking customer reported approval after confirming they were outside the published lookback period.
Payroll deposit coded correctly and the tracker updated the following morning.
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Community notes
932 reports & comments
Newest-first by default, because “is it still working?” matters most.
Not every warehouse appears to have resumed carrying the discounted cards, so check locally.
Another warehouse club may have a standing in-store discount; compare availability before buying.
Multiple redemptions have worked for some readers, but there appears to be a daily velocity limit.