Access Smart Rewards®
As a current or former member of the United States Armed Forces, open a Bank Smartly® Checking account and you'll automatically be enrolled in the Smart Rewards® Plus tier,1 at a minimum, regardless of your account balance. These are just some of the added benefits you’ll enjoy:
- $0 monthly maintenance fees: Waive the fee as a member of the military2
- $0 overdraft protection transfers made from an eligible linked U.S. Bank deposit account3
- $0 overdraft fees when overdrawn $50 or less4
- $0 ATM transaction fees at U.S. Bank ATMs and on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after four)56
- First Non-U.S. Bank ATM Surcharge charged by ATM Owner reimbursed per statement period
- Overdraft Fee Forgiven7 program
- Free cashier’s checks*, personal money orders* and stop payments*
- Ability to earn interest on your checking account8
* A Bank Smartly® Checking account and/or Smart Rewards® enrollment are not required to qualify for these benefits.
Benefits beyond checking
Your Plus tier benefits don’t stop with your Bank Smartly® Checking account. You’ll also enjoy:
- A mortgage loan closing cost credit of 0.25% on your new first mortgage loan amount, up to a maximum of $1,0009
- A Monthly Maintenance Fee waived on all Standard Savings or Elite Money Market accounts
- A Standard Savings Interest Rate Lift of 10% of the standard interest rate10
- A waiver on your IRA annual fee11
Take control of your financial wellness.
Bank Smartly® with U.S. Bank by tapping into an array of tools, programs and resources that work together to put you - and keep you - on the road to financial wellness. Download the U.S. Bank Mobile App and explore ways to manage cash easily, move money safely and save and spend wisely.

Rest easy. We’ve got you covered.
Your money and data are protected with:
- Zero fraud liability16
- The industry's strongest available encryption
- Security alerts
More resources for our military members and veterans
Learn more about our specialized benefits for veterans, how we support the military community and our military-friendly workplace culture.
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