U.S. Bank Smartly® Checking account
Enjoy a flexible, modern checking account with low fees and personalized benefits.
By: BR Cartão
The U.S. Bank Smartly® Checking account is a flexible and feature-packed option ideal for modern banking needs. It offers a low monthly maintenance fee that can be waived through various methods, such as direct deposits or maintaining a minimum balance. The account includes access to a wide ATM and branch network, digital tools like mobile check deposit and Zelle®, and a U.S. Bank Visa® Debit Card with customizable alerts. A key benefit is the Smart Rewards® program, which provides added perks like ATM fee waivers and lower overdraft fees. Suitable for all types of users, it’s a strong choice for managing everyday finances.
thumb_up Discover the Benefits of Smartly® Checking
The U.S. Bank Smartly® Checking account offers a variety of features that make everyday banking simpler and more rewarding. With easy access to digital tools and a nationwide network of branches and ATMs, this account supports convenience and flexibility. Customers enjoy fraud protection, budgeting tools, and the opportunity to waive monthly fees through Smart Rewards® tiers.
- done Waivable monthly maintenance fee
- done Access to Smart Rewards® program benefits
- done Broad ATM and branch network
- done Powerful mobile and online banking tools
thumb_down Understand the Potential Downsides
While the U.S. Bank Smartly® Checking account is feature-rich, it does come with a few considerations. There is a monthly fee unless certain conditions are met, which may not suit all users. ATM fees may apply if you use non-U.S. Bank ATMs frequently. Also, while overdraft protection is available, it’s not automatically included and can come with fees depending on the setup.
- close Monthly fee unless conditions are met
- close Out-of-network ATM fees may apply
- close Overdraft coverage setup can be complex
help How to Apply for the U.S. Bank Smartly® Checking Account
Opening a U.S. Bank Smartly® Checking account is simple and can be done entirely online or at a local branch. Before applying, ensure you meet the eligibility criteria, including providing identification and funding your new account. You’ll also need to choose your overdraft preference and may want to enroll in Smart Rewards® to maximize benefits.
- Visit the U.S. Bank website or a local branch (or click on the button bellow to be redirected)
- Select “Smartly® Checking” and click “Apply Now”
- Provide personal and financial information
- Choose account features and overdraft preferences
- Fund your account with the minimum opening deposit
- Submit your application and await confirmation