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Earn your bonus

Within 90 days of opening your account, enroll in the U.S. Bank Mobile App or online banking and make at least two direct deposits that total: 1

  • Between $2,000 and $4,999.99 to earn $250. 1
  • Between $5,000 and $7,999.99 to earn $350. 1
  • $8,000 or more to earn $450. 1
Apply now Learn about Bank Smartly

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.

Get rewards from day one, dollar one

Your Bank Smartly Checking account is designed to help you grow your finances right from the start. You’ll enjoy:

  • Cutting-edge digital tools to track your spending, pay bills, transfer money and much more
  • Debit card cash-back deals 2, discounts and other benefits through our complimentary tiered rewards program, Smart Rewards®
  • No monthly maintenance fee for the first two statement periods 3
  • Options to waive the $12 monthly maintenance fee, which include maintaining an average account balance of at least $1,500 or being part of a select group 3

Enjoy the benefits of banking with U.S. Bank

Earn extra perks

Unlock higher rates on a U.S. Bank Smartly® Savings account 4 when you have a Bank Smartly Checking account. 

Bank from anywhere

Set savings goals, track finances across accounts, monitor your credit and more with the U.S. Bank Mobile App and online banking.

Protect yourself

Pay no fees for overdrafts of $50 or less. 5

Bank with your family

Teach your kids to be financially responsible with a Greenlight account 6, complimentary with Bank Smartly Checking.

Frequently asked questions

A direct deposit is a regularly-occurring electronic deposit of your paycheck or government benefits, such as Social Security. Other electronic deposits or person-to-person payments are not considered a direct deposit.

Direct deposits are faster and safer than paper deposits, and with U.S. Bank, you can set them up in minutes. Skip tedious payroll forms and do it yourself – all you need is your payroll or employee login. Your direct deposits will be seamless, secure and verified in real time.

Set up direct deposit

Yes. This promotional offer is available to anyone who:

  • Has not had a U.S. Bank consumer checking account in the last 12 months
  • Has not received a U.S. Bank consumer checking bonus in the last 12 months 1

Yes. If your application was submitted before the deadline, you are eligible to participate. Your participation window starts on the date your account opens.

Your statement will show your checking bonus as an adjusted interest credit within 30 days after you have completed required activities. Your account must be open and have a positive balance.

Designed with families in mind, Greenlight’s trusted debit card and money app are now complimentary when you sign up for a U.S. Bank Smartly Checking account. 6 Parents pay allowance, set spend controls and manage chores within the app, while kids monitor their own money and learn to save, earn and spend wisely.

Note: To receive your Greenlight perks, you must:

  • Use your eligible Bank Smartly Checking account as a primary funding source in the Greenlight app
  • Be an authorized transactor on the Bank Smartly account
  • Be at least 18 years old
  • Be enrolled in online or mobile banking
Learn more about Greenlight

We use the industry’s strongest security measures to safeguard your account.

  • Digital security guarantee – You aren’t liable for unauthorized transactions made with the mobile app or online banking. 7
  • Security Center – Boost the security of your accounts in minutes by easily enabling security features.
  • Data privacy – Share your financial information only with those you choose.
  • Automatic security alerts – No need to sign up for notifications about certain important activities.

If you’d like help opening your account, use the link below to find a location near you.

Search locations

Get answers to other frequently asked questions and learn about account services, features and benefits on our checking customer resources page.

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Disclosures

  2. Cash-back deals are currently available for personal debit and credit cards only. Business debit and credit cards are not eligible at this time.

  3. 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.

    Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

  4. The interest rates and Annual Percentage Yields (APYs) for the Bank Smartly® Savings account are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. For additional details about the U.S. Bank Smartly Savings Interest Rate Bump, see the U.S. Bank Smartly Savings Rate Sheet.

  5. In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, an Overdraft Paid Fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

  6. U.S. Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) is added as a funding source. You are required to be an authorized transactor on the U.S. Bank account, be at least 18 years of age, and be enrolled in online banking. Your U.S. Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your U.S. Bank checking account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible U.S. Bank checking account, you may be charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See greenlight.com/terms for additional information. Offer subject to change. Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. The Greenlight Mastercard is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International.

  7. Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF)  for details.

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The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Deposit products are offered by U.S. Bank National Association. Member FDIC.