Home › Bank Bonuses › U.S. Bank
Up to $450U.S. Bank's offer, as shown on U.S. Bank's own site (Oct 8, 2026)U.S. Bank: $250, $350 or $450 for two direct deposits — apply by November 10
Open Bank Smartly Checking, fund it with at least $25 and receive direct deposits within 90 days — the total sets the bonus, up to $450.
Our take
Straightforward tiers and a fast payout (30 days after you finish). The “two deposits” rule matters: one big $8,000 paycheck won't do it, two $4,000 ones will. U.S. Bank's offer may not be available if you live outside its footprint, so check the page with your ZIP first.
What you have to do
- Open a new Bank Smartly Checking account through the offer page, in a branch or by phone between September 10 and November 10, 2026
- Fund it with at least $25 within 60 days and enroll in the mobile app or online banking within 90 days
- Make 2 or more direct deposits within 90 days totaling $2,000–$4,999.99 ($250), $5,000–$7,999.99 ($350) or $8,000+ ($450)
- No U.S. Bank consumer checking account or checking bonus in the past 12 months; bonus paid within 30 days of completing everything
Fees to avoid
$12 monthly fee, waived the first 2 statement periods, then with $1,500 in monthly direct deposits or a $1,500 average balance.
Verified: U.S. Bank's checking offer page, Oct 8, 2026: “Hello, fall. Hello, up to $450. … Apply by November 10, 2026, and make an opening deposit of at least $25 within 60 days. … Within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking and make at least two direct deposits that total: Between $2,000 and $4,999.99 to earn $250. Between $5,000 and $7,999.99 to earn $350. $8,000 or more to earn $450. … Your checking bonus (‘adjusted interest’) will be credited to your new checking account within 30 days following the completion of all the offer requirements. … Bonus will be reported as interest earned on IRS form 1099-INT.” Source: usbank.com. Offers change; the bank's page is final.
Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.
Common questions
Can one big direct deposit of $8,000 get me the $450?
No. U.S. Bank requires two or more direct deposits within 90 days that add up to the tier, so split it into at least two deposits.
Answered by StackTheDealDoes a transfer from another bank count?
No. U.S. Bank defines a direct deposit as a paycheck or government benefit sent by ACH from your employer or the government. Other electronic deposits and person-to-person payments are excluded.
Answered by StackTheDealI'm not in a U.S. Bank state. Can I open online?
Maybe not. U.S. Bank's terms say the offer may not be available outside its footprint. Enter your ZIP on the offer page; if it lets you apply, you're fine.
Answered by StackTheDealHow fast does it pay?
Within 30 days after you finish everything. That's one of the quickest payouts among the big banks.
Answered by StackTheDealCan I get it again if I've had U.S. Bank before?
Only if you haven't had a U.S. Bank consumer checking account or a checking bonus in the last 12 months. The lookback used to be 24 months; it's now 12.
Answered by StackTheDealHow do I avoid the $12 fee, and is the bonus taxable?
The fee is waived for the first 2 statement periods, then with $1,500 in combined monthly direct deposits, a $1,500 average balance, or other waivers. U.S. Bank reports the bonus on a 1099-INT.
Answered by StackTheDeal
Questions about this offer?
💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.