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U.S. Bank Smartly® Checking Account

A modern checking account designed for everyday convenience and financial flexibility.

By: BR Cartão

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Waivable Monthly Fee

The $6.95 monthly maintenance fee can be waived by meeting specific requirements, such as receiving $1,000+ in direct deposits, maintaining a $1,500 minimum balance, or qualifying by age.

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Extensive Access and Tools

Customers get access to 2,000+ branches and 37,000 ATMs nationwide, along with mobile check deposit, budgeting tools, and digital wallets like Apple Pay® and Google Pay™.

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Bonus and Early Pay Options

New users may qualify for a welcome bonus, and the Early Pay feature gives access to direct deposits up to two days early.

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Overview of the U.S. Bank Smartly® Checking Account

The U.S. Bank Smartly® Checking account is designed for digital-savvy individuals seeking dependable banking. With the option to waive fees, access a vast ATM and branch network, and benefit from smart tools like Zelle® and mobile check deposit, it supports seamless money management. Users also enjoy overdraft protection options, digital wallets, and potential welcome bonuses, all within a user-friendly online and mobile environment.

  • Is there a monthly maintenance fee for the U.S. Bank Smartly® Checking account?

    Yes, the standard fee is $6.95, but it can be waived by setting up direct deposits, maintaining a balance of $1,500, or qualifying by age.

  • Does the U.S. Bank Smartly® Checking account offer a sign-up bonus?

    Yes, eligible new customers may receive a cash bonus after completing qualifying activities, such as direct deposit.

  • What is the minimum opening deposit for this account?

    The minimum required to open a U.S. Bank Smartly® Checking account is $25.

  • Can I access my account through a mobile app?

    Yes, the U.S. Bank mobile app supports full account management, including transfers, deposits, bill payments, and alerts.

  • Does this account include overdraft protection?

    Yes, you can opt in for overdraft protection and choose how transactions exceeding your balance are handled.

How to Apply for the U.S. Bank Smartly® Checking Account

Applying for the U.S. Bank Smartly® Checking account is easy and digital. You must be at least 18 and a U.S. resident with a valid SSN. The application requires basic personal information and a $25 minimum deposit. Once open, users can activate features like direct deposit, overdraft protection, and Early Pay. Be sure to enter any promo code if you’re aiming for a bonus.