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Personal Checking Bonuses

U.S. Bank Smartly Checking

Bonus: Up to $450

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Up to $450

Offer details

How to earn the bonus

U.S. Bank pays a tiered cash bonus to new Smartly Checking customers based on the total qualifying direct deposits received during the offer period. Open the account, fund it with a small opening deposit, and route eligible direct deposits to qualify.

  1. 1Open a new U.S. Bank Smartly Checking account online through the official offer page.
  2. 2Make a minimum $25 opening deposit within 60 days of account opening.
  3. 3Receive qualifying direct deposits — such as a paycheck, pension, or government benefit — during the qualification window.

Qualifying direct-deposit tiers

$2,000 – $4,999.99
$250
$5,000 – $7,999.99
$350
$8,000 or more
$450

The bonus tier is set by the total qualifying direct deposits received during the offer period.

Qualifying direct deposits are electronic credits of a paycheck, pension, or government benefit; person-to-person transfers such as Zelle generally do not count. The bonus tier is determined by the total qualifying direct deposits received during the offer period. Confirm the current qualification window, eligible deposit types, and posting timeline on U.S. Bank’s official offer page before applying.

  • Availability: Nationwide
  • Expiration: Jun 1, 2027
Open official offer page

The link opens the official U.S. Bank Smartly Checking offer page on the bank’s own website. Offers expire and terms change — confirm the current bonus, qualifying deposits, state eligibility, and that any promo code applies before submitting an application.

Before You Apply

  • Direct deposit is usually the trigger: Most checking bonuses require a set amount of qualifying direct deposits (paycheck, pension, or government benefits) within 60–90 days. Person-to-person transfers like Zelle almost never count.
  • Watch the monthly fee: A bonus account often carries a monthly maintenance fee that is waived only while you meet a balance or deposit minimum. After the bonus posts, confirm the fee waiver still applies or close the account on the bank’s terms.
  • Bonuses are taxable: Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Plan for the tax bill at year end — the bank will report it whether or not you receive the form.
  • Confirm state eligibility: Several offers are limited to residents of specific states, and some promo codes are targeted. Always confirm eligibility and that the promo code applies on the bank’s landing page before submitting an application.

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Citi Regular Checking

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SoFi Checking and Savings

Up to $400View offer details

Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Always confirm state eligibility and that any promo code applies on the bank’s official landing page before submitting an application.