U.S. Bank's new Smartly Checking offer page pays $250 for $2,000 to $4,999.99, $350 for $5,000 to $7,999.99 or $450 for $8,000 or more in direct deposits, made as two or more paycheck or government benefit ACH deposits within 90 days of opening. Applications through the page are accepted until June 1, 2027; a $25 opening deposit is needed within 60 days and mobile or online banking enrollment within 90 days. The lookback is 12 months: no current U.S. Bank consumer checking account, none in the last 12 months, and no U.S. Bank checking bonus in the past 12 months, for all owners. It is not available outside the U.S. Bank footprint. The bonus is credited within 30 days of meeting the requirements; the $12 monthly fee is waived for two statement periods, then with $1,500 in monthly direct deposits or other options.