U.S. BANK SMARTLY® CHECKING

Rates by balance

Source: the bank’s rates · as of Oct 10, 2026

Bonuses

• $450For new customers · ends November 10, 2026

  Open a new U.S. Bank Smartly Checking account through the promotional offer page, fund it with at least $25 within 60 days, enroll in the U.S. Bank Mobile App or online banking within 90 days, and complete two or more qualifying direct deposits within 90 days totaling the amount required for the app

  Can you meet it? The bank bonus finder

• $600For new customers · ends December 30, 2026

  Open a new U.S. Bank Smartly Checking account by December 30, 2026, fund it with at least $25 within 60 days, enroll in the U.S. Bank Mobile App or online banking within 90 days, and complete two or more direct deposits within 90 days totaling $4,000 to $7,999.99 for a $300 bonus or $8,000 or more f

  Can you meet it? The bank bonus finder

• $500For new customers · ends The date listed on your mailer

  Open a new U.S. Bank Smartly Checking account by the date listed on the mailer with an opening deposit of $25, enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening, and complete at least two direct deposits within 90 days totaling the amount required for the applica

  Can you meet it? The bank bonus finder

• $100For new customers · ends October 29, 2026

  Open a new U.S. Bank Smartly® Checking account through the U.S. Bank campus page or at a participating U.S. Bank campus location with a minimum deposit of $25, make at least $1,000 in total new money deposits, complete 10 or more debit card purchases totaling $100 or more, and enroll in online banki

  Can you meet it? The bank bonus finder

Rate conditions

APY paid on balances up to

$25,000Source · checked Oct 10, 2026

Fees

Monthly fee

$12 a monthSource · checked Oct 10, 2026

Ways to avoid the monthly fee

Any one of these:

• For newly opened U.S. Bank Smartly Checking accounts, the $12 Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date.
• Average account balance is $1,500 or greater
• Combined monthly direct deposits total $1,500+
• Own or open a U.S. Bank Smartly™ Visa Signature® Credit Card
• Smart Rewards® Gold Tier, Platinum Tier and Platinum Plus Tier
• Age 13-24
• Age 65 and over
• Member of the military
• Workplace-Financial Wellness Program
• U.S. Bank Global Transition Solutions
• Own or open an eligible U.S. Bank Small Business Checking account
• State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card.

Source · checked Oct 10, 2026

Minimum to open

$25Source · checked Oct 10, 2026

Overdraft fee

$36Source · checked Oct 10, 2026

Overdraft transfer fee

$12.50Source · checked Oct 10, 2026

Most overdraft fees in a day

3Source · checked Oct 10, 2026

ATM network

4,000+ no-fee U.S. Bank ATMsSource · checked Oct 10, 2026

ATMs in the network

4,000Source · checked Oct 10, 2026

Out-of-network ATM fee

$3Source · checked Oct 10, 2026

International ATM fee

$3Source · checked Oct 10, 2026

Foreign transaction fee (debit card)

3%Source · checked Oct 10, 2026

Incoming domestic wire

$20Source · checked Oct 10, 2026

Outgoing domestic wire

$30Source · checked Oct 10, 2026

Incoming international wire

$25Source · checked Oct 10, 2026

Outgoing international wire

$50Source · checked Oct 10, 2026

Inactivity fee

$5Source · checked Oct 10, 2026

Cashier’s check

$10Source · checked Oct 10, 2026

Stop payment

$35Source · checked Oct 10, 2026

Who can open it

Where

Anywhere in the USSource · checked Oct 10, 2026

Minimum age

18Source · checked Oct 10, 2026

Features

ATM fee rebatesBill payBranch accessBudgeting toolsCheck writingDebit cardDebit rewardsInstant digital cardInterest bearingJoint accountsMinor accountsMobile check depositOnline openingOverdraft grace periodOverdraft protection transferSpending alertsZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.