Bounty
Worth it?

U.S. Bank Smartly Savings bonus: is $100 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$90: more than leaving it at 4.15%
With the bonus40.56%
Leave it where it is4.15%

Yearly rate on $1,000 while it's there, bonus included.

The math

Compared with leaving $1k at 4.15%

Bonus
+$100
Interest while it's there
0.05% for 3 mo
$0
What it'd earn at home
$1,000 at 4.15% for 3 mo
−$10
Extra
+$90
Works out to 40.6% a year on that cash, vs 4.15% at home.

Deposit $1,000 in new money · Keep $1,000 there until day ? · Must qualify for the campus Smartly Checking bonus. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $1,000 in new money
  2. 2Keep $1,000 there until day ?
  3. 3Must qualify for the campus Smartly Checking bonus
Ends
Oct 29, 2026
Where
Nationwide
Pays while it's there
0.05% a year
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 30 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

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The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the U.S. Bank Smartly Savings bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $1,000 tier adds +$90: the $100 bonus, minus the $10 that cash would have earned in 90 days. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $1,000 in new money; keep $1,000 there until day ?; must qualify for the campus Smartly Checking bonus. Open nationwide.

When does it end?

The offer ends Oct 29, 2026. The terms were last checked Oct 10, 2026.