U.S. Bank Smartly® Checking

Key Takeaways

• Supports joint accounts. This allows two people to have equal authority over the management of an account.
• No monthly maintenance fee. Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle).
• No ATM fees. U.S. Bank Smartly® Checking does not charge fees on ATM transactions within its network but there is a fee of $2.50 for out-of-network ATM transactions .
• Bill pay. Pay your bills to practically anyone in the United States when you enroll in U.S. Bank mobile or online banking.

Smartly® Checking Pros & Cons

Smartly® Checking FAQ

Are checking accounts from U.S. Bank federally insured?

What APY does Smartly® Checking offer?

What are the account minimums for Smartly® Checking?

What fees does Smartly® Checking charge?

Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle).

Does Smartly® Checking charge overdraft fees?

Yes, Smartly® Checking charges a $36 fee for every overdraft. If your Bank Smartly™ Checking account’s Available Balance at the end of the business day is overdrawn by $50 or less, you will not be charged an overdraft fee that day. If your account is overdrawn by $50.01 or more and you were charged an Overdraft Paid Fee(s), Overdraft Fee Forgiven gives you time to take action to have the fee(s) waived. Fund your account with qualifying deposits, to cover the overdraft by 11 p.m. ET the business day you were charged the Overdraft Paid Fee(s). Your deposit does not need to cover the fee(s) charged.

What features and perks does Smartly® Checking offer?

• Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
• Fraud monitoring - Smartly® Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
• Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
• Mobile Banking Services - Smartly® Checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.
• Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Smartly® Checking?

How do people rate the customer service and user experience of Smartly® Checking?