thumb_up Discover the Advantages

The U.S. Bank Smartly® Checking account offers numerous benefits tailored to modern banking needs. From earning interest on your balance to utilizing advanced digital tools, this account is designed to support your financial well-being.

• done Interest Earnings: Grow your funds with an interest-bearing checking account
• done Digital Financial Tools: Access automated tools to monitor spending and set savings goals.
• done Fee Waiver Options: Multiple pathways to waive the monthly maintenance fee.
• done Family Banking: Complimentary Greenlight account to teach children money management.

thumb_down Understand the Disadvantages

While the Smartly® Checking account has many benefits, it’s essential to consider potential drawbacks to ensure it aligns with your banking preferences

• close Monthly Maintenance Fee: A $6.95 fee applies if waiver conditions aren’t met
• close Overdraft Fees: Standard overdraft fees may apply if not enrolled in overdraft protection.
• close ATM Fees: Charges may incur when using non-U.S. Bank ATMs

help How to Apply for the U.S. Bank Smartly® Checking Account

1. Visit the U.S. Bank Website: Navigate to the Bank Smartly® Checking account page. (click on the button bellow to be redirected)
2. Start Application: Click on the “Open an account” button to begin.
3. Provide Personal Information: Enter your name, address, date of birth, Social Security number, and valid government-issued ID
4. Fund Your Account: Make an initial deposit of at least $25 using an internal or external transfer, or a credit, debit, or prepaid card.
5. Set Up Online Banking: Enroll in U.S. Bank’s online or mobile banking within 90 days to manage your account digitally
6. Establish Direct Deposit: Arrange for your paycheck or government benefits to be directly deposited into your new account.

A direct deposit is defined as a recurring electronic deposit of your paycheck or government benefits (such as Social Security) made through the Automated Clearing House (ACH) network. Other electronic deposits or person-to-person payments do not qualify. The bonus will be credited to your account within 30 days after completing the required activities, provided the account is open and has a positive balance.