SuperMoney
U.S. Bank Smartly™ Checking
in Checking Accounts from U.S. Bank · Member FDIC
Claimed Promo Offer Available! Visit Site

U.S. Bank Smartly™ Checking

Claimed Promo Offer Available!
in Checking Accounts from U.S. Bank · Member FDIC
SuperMoney Net Recommendation Score +60  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.

+60

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

4 users recommend
0 users are unsure
1 user doesn't recommend
Cast your vote

Would you recommend U.S. Bank Smartly™ Checking to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
(Verified 11/23/2022)
Monthly Fee $0 - $6.95
(Verified 11/23/2022)
Minimum Balance to Avoid Monthly Fee $1,500
Number of Reviews 5

U.S. Bank Smartly™ Checking Review

U.S. Bank Smartly™ Checking is offered by U.S. Bank, a bank founded in 1863 and based in Minneapolis, MN. U.S. Bank Smartly™ Checking is available in 26 states across the USA.

Key Takeaways

  • Earn up to $300 when you open a new eligible U.S. Bank Smartly™ Checking account and complete: • 2+ direct deposits of $5,000+ within 60 days. • Online or mobile banking enrollment within 60 days. Excludes customers who have opened a checking account with US Bank and/or received a checking bonus offer within the past two years. Offer valid through 12/19/22.
  • Supports joint accounts. This allows two people to have equal authority over the management of an account.
  • Monthly maintenance fee waiver. 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 up to $2.50 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through U.S. Bank.

Smartly™ Checking Pros & Cons

Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Generous signup bonus.
  • Joint accounts available.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Does not earn interest.
  • Only available in 26 states.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.

Smartly™ Checking FAQ

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

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #6548). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Smartly™ Checking offer?

Smartly™ Checking is not an interest bearing account.

What are the account minimums for Smartly™ Checking?

Smartly™ Checking requires a minimum initial deposit of $25 to open an account.

U.S. Bank Smartly™ Checking Minimums
Description
Minimum Opening Deposit $25
Minimum Balance to Avoid Monthly Fee $1,500
Minimum Direct Deposit to Avoid Monthly Fee Starting at $1,000

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). Otherwise, there is a monthly service fee of up to $6.95.
U.S. Bank Smartly™ Checking Fees
Description
Monthly Fee $0 - $6.95
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Returned Deposited Check $19
Returned Deposit Fee (Domestic) $19
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $2
Debit Card Replacement Fee $0

Does Smartly™ Checking charge overdraft fees?

Yes, Smartly™ Checking charges a $36 fee for every overdraft. You can get overdraft protection at a cost of $12.50 per transaction.

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?

This account includes the following features:

  • Earn up to $300 when you open a new eligible U.S. Bank Smartly™ Checking account and complete: • 2+ direct deposits of $5,000+ within 60 days. • Online or mobile banking enrollment within 60 days. Excludes customers who have opened a checking account with US Bank and/or received a checking bonus offer within the past two years. Offer valid through 12/19/22.
  • 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 checks 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?

The customer support email for Smartly™ Checking is customer.support@usbank.com.

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

Overall, Smartly™ Checking is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Promotional Offers

Special Offers

Up to $300 bonus

Earn up to $300 when you open a new eligible U.S. Bank Smartly™ Checking account and complete: • 2+ direct deposits of $5,000+ within 60 days. • Online or mobile banking enrollment within 60 days. Excludes customers who have opened a checking account with US Bank and/or received a checking bonus offer within the past two years. Offer valid through 12/19/22.

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by U.S. Bank

Icon for Checking Accounts
View all checking accounts offered by U.S. Bank

Availability

  Available in 26 states
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Minnesota
  • Missouri
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Mexico
  • Nevada
  • Ohio
  • Oregon
  • South Dakota
  • Tennessee
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $25
Minimum Balance to Avoid Monthly Fee $1,500
Minimum Direct Deposit to Avoid Monthly Fee Starting at $1,000
Monthly Fee $0 - $6.95
(Verified 11/23/2022)
Monthly Maintenance Waiver Requirements 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).
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Returned Deposited Check $19
Returned Deposit Fee (Domestic) $19
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $2
Debit Card Replacement Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Proof of Residence
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Automatic Transfers
  • Member FDIC
  • Check Writing
  • Joint Accounts
  • Rewards
Bonus Offer Earn up to $300 when you open a new eligible U.S. Bank Smartly™ Checking account and complete: • 2+ direct deposits of $5,000+ within 60 days. • Online or mobile banking enrollment within 60 days. Excludes customers who have opened a checking account with US Bank and/or received a checking bonus offer within the past two years. Offer valid through 12/19/22.
Signup Bonus $300

U.S. Bank Smartly™ Checking Community Reviews

 

Would you recommend U.S. Bank Smartly™ Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.

+60

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Checking Accounts

U.S. Bank Checking Accounts

Loading...