US Bank is giving new customers a limited-time opportunity to earn up to $450 just by opening a checking account and making a modest deposit. The promotion is part of the bank’s Smartly Checking program and runs until June 18, 2026.
How to Qualify for the US Bank Bonus
To participate, individuals must open a new US Bank Smartly Checking account with a minimum deposit of $25 within 60 days. After opening the account, customers have 90 days to enroll in US Bank’s mobile app or online banking system.
The cash bonus depends on the amount deposited:
- Deposits between $2,000 and $4,999.99 earn a $250 bonus.
- Deposits between $5,000 and $7,999.99 earn a $350 bonus.
- Deposits of $8,000 or more earn the maximum $450 bonus.
The promotional offer is automatically applied when accounts are opened online via the dedicated offer page. Those opening accounts in person or over the phone must request that the banker activates the promotion during setup.
Who Is Eligible
The offer is strictly for new US Bank checking customers. Existing account holders are excluded, as are anyone who has closed a US Bank checking account or received a checking bonus in the past 12 months.
US Bank considers direct deposits—such as paychecks or government benefits like Social Security—as regularly occurring electronic deposits that qualify for the promotion.
Timing and Limitations
New customers must open the account byJune 18, 2026 to qualify. Once the account is active, the required deposit should be made within the 60-day window, followed by mobile or online enrollment within 90 days.
This is a short-term promotion designed to attract new account holders and encourage engagement with US Bank’s digital banking services. Similar campaigns were run earlier this year, including a January 2026 bonus offer.
Why It Matters
For eligible participants, the promotion represents a simple way to earn extra cash for minimal effort. With modest deposits and regular direct deposits, new customers can take advantage of a bonus of up to $450, effectively rewarding them for setting up a checking account they may have needed anyway.
For anyone considering switching banks or opening a new checking account, timing is critical. Missing theJune 18 deadline or failing to meet the deposit requirements could mean losing out on the bonus entirely.
