U.S. Bank Smartly Checking bonus: is $100 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $25 while it's there, bonus included.
The math
Compared with leaving $25 at 4.15%
Deposit $1,000 in new money within 90 days · Make 10 debit card purchases within 90 days · Enroll in online banking or the U.S. Bank Mobile App within 90 days · Joint adult owner needed only for youth 17 and under; young adults 18-24 can open alone. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $1,000 in new money within 90 days
- 2Make 10 debit card purchases within 90 days
- 3Enroll in online banking or the U.S. Bank Mobile App within 90 days
- 4Joint adult owner needed only for youth 17 and under; young adults 18-24 can open alone
- Ends
- Oct 29, 2026
- Where
- Nationwide
- Pays while it's there
- 0% a year
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 60 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the U.S. Bank Smartly Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25 tier adds +$100: the $100 bonus, minus the $0 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 within 90 days; make 10 debit card purchases within 90 days; enroll in online banking or the U.S. Bank Mobile App within 90 days; joint adult owner needed only for youth 17 and under; young adults 18-24 can open alone. Open nationwide.
When does it end?
The offer ends Oct 29, 2026. The terms were last checked Oct 10, 2026.