Smartly Checking

Bank Account Offer

High Value

Sign-Up Bonus Value

$400

Requirement

$3,000 direct deposit

Time to Complete

60 days

Year 1 Value

Sign-up Bonus$400

Annual Fee-$84

Net Year 1 Value$316

Values are estimated based on publicly available offer terms and typical spending patterns. Actual value depends on your spending habits, redemption methods, and eligibility.

Offer Details

Monthly Fee

$7/mo

Fee Waiver

DD of $1,000+ or $1,500 avg balance

Effective APY

0.05%

Holding Period

60 days

Direct Deposit

Required

Difficulty

Advanced

Verification

Source

scraped

Last Verified

Jun 22, 2026

Bonus Value

$400

Clicking "Apply Now" takes you to US Bank's website. BonusMax AI does not process applications.

Quick Facts

60 days to complete
Advanced difficulty
$3,000 direct deposit

Offer details may change. Always verify current terms on US Bank's official website before applying.

BonusMax AI provides educational financial information only. We are not a financial advisor, bank, or credit card issuer. Offer values are estimates and may differ from actual results. Always review the issuer's terms and conditions before applying.