U.S. Bank Account – Get a $450 Bonus
The U.S. Bank Smartly® Checking account is designed to offer customers a blend of convenience, flexibility, and financial benefits. This article delves into the advantages of this account, the requirements for opening one, strategies to avoid fees, and steps to secure a bonus of up to $450.
By: Credittus
Interest Earnings
Unlike many standard checking accounts, the Smartly® Checking account allows you to earn interest on your balance, helping your money grow over time.
Overdraft Protection
The account offers a $50 overdrawn available balance threshold, meaning if your account is overdrawn by $50 or less, you won’t incur an overdraft fee.
Digital Banking Tools:
Upon opening a Smartly® Checking account, you can enroll in the Smart Rewards® program at no additional cost. This program offers perks such as cash-back deals with an eligible U.S. Bank personal credit card, fee discounts on select loans and lines of credit, and fee waivers for non-U.S. Bank ATM transactions, depending on your reward tier.
Complimentary Access to Greenlight:
Account holders receive complimentary access to Greenlight, a family-focused app that teaches kids financial literacy through goal-setting games, chores that earn cash, and a debit account parents can monitor.
How to Avoid Monthly Maintenance Fees
The Smartly® Checking account has a monthly maintenance fee of $6.95. However, this fee can be waived by meeting any one of the following criteria:
Maintain an Average Account Balance: Keep a daily balance of $1,500 or more.
Qualifying U.S. Bank Credit Card: Hold an open, qualifying U.S. Bank consumer credit card.
Direct Deposits: Have combined monthly direct deposits totaling $1,000 or more.
Special Customer Groups: Individuals aged 24 and under, 65 and over, or active members of the military are eligible for fee waivers.