Enroll in U.S. Bank Smart Rewards® when you open a Bank Smartly® Checking account.
No fees for overdrawn balances of $50 or less. Or waive fees with our Overdraft Fee Forgiven program for overdrawn balances over $50.1
Smart Rewards® is our four-tiered program based on the combined balances of all your qualifying accounts. As your balances grow, you automatically move up to the next tier. The higher the tier, the bigger the benefits. Simple.
Open a Bank Smartly® Checking account then enroll in our four-tiered Smart Rewards® program for free. Combine the balances* of these consumer accounts to determine your current rewards tier. As your balances increase, you move up and get greater rewards, automatically.
Checking account(s)
Savings and Money Market account(s)
Certificates of deposit (CDs) and Individual Retirement Accounts (IRAs)
U.S. Bancorp Investments* (an affiliate of U.S. Bank) and Personal Trust Accounts.2
Monthly Maintenance Fees waived
Non-U.S. Bank ATM owner surcharge fees reimbursed (Domestic only) 3
Non-U.S. Bank ATM owner surcharge fees reimbursed not included in Primary
Non-U.S. Bank ATM owner surcharge reimbursed included in Plus
reimbursed included in Premium
non-U.S. Bank ATM owner surcharge fees reimbursed in Pinnacle
Standard Savings Interest Rate Lift 5
Exclusive cash-back deals across top merchants/categories with an eligible and open U.S. Bank Personal Credit Card 6
Home Equity Line of Credit (HELOC) Annual Fee discount 7
HELOC Annual Fee included in Primary
HELOC Annual Fee included in Plus
$0 HELOC Annual Fee benefit is included in Premium
included in Premium
included in Pinnacle
IRA Annual Fee waived 10
Overdraft benefits
included in Primary
included in Plus
included in Pinnacle
Pro tip: You automatically qualify for the Primary tier, regardless of total combined balances, if you have a U.S. Bank home mortgage, home equity loan, home equity line of credit (HELOC) , or unsecured personal loan. This benefit excludes U.S. Bank credit cards, personal unsecured lines of credit, student loans and Simple Loans.
Open an interest-earning13 Bank Smartly® Checking account to enroll in rewards and get exclusive benefits right from the start. Apply in minutes.
It’s the family app that teaches kids financial smarts with goal-setting games, chores that earn cash and a debit account you can monitor. Best part? If you have a Bank Smartly® Checking account or any other eligible U.S. Bank checking account, it’s complimentary. See why kids love Greenlight.
Alliance (including State Farm®2021) benefits are contingent on opening accounts through the Alliance partner channels. Products directly opened at U.S. Bank are not eligible for the Alliance Customer Group benefits.
U.S. Bank Global Transition Solutions customer group currently has limited availability through qualifying referral partner programs (e.g. MUFG Bank).
U.S. Bank Smart Rewards® are available exclusively with a Bank Smartly® Checking account. You can choose to enroll while opening your new checking account.
Yes, in order to take advantage of this rewards program, you’ll need to apply for a Bank Smartly® Checking account.
Bank Smartly® Checking and the Smart Rewards® program combine to act like a rewards checking account. Bank Smartly® Checking earns you interest while giving you access to financial tools to help manage your money. Once you’ve opened a Bank Smartly® Checking account, you can enroll in Smart Rewards® and earn bigger rewards like cash-back deals as you grow your relationship with U.S. Bank.
In order to qualify for Smart Rewards®, you must open or maintain a Bank Smartly® Checking account. You may automatically qualify for a higher tier if you meet the requirements for one of our customer groups.
As soon as your checking account is opened, you can enroll in Smart Rewards®. Once enrolled, you will be assigned to one of our four tiers based on your total balances across all your qualifying accounts. If your account is less than 30 days old, deposits may be held for five business days and would be included in your Smart Rewards® tier calculation after the hold period.
Start saving more when you open our interest-earning Bank Smartly® Checking account.13 Additionally, you’ll be able to enroll in our Smart Rewards® program that will give you more benefits as all your qualifying balances grow.
When you open a qualifying checking account, you earn interest at a variable rate. Interest rates are determined at the bank’s discretion and may change at any time.13 Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. Call (800) 872-2657 to find the nearest branch and schedule an appointment.
Yes, opening a checking account is easy and only takes a few minutes. The Smart Rewards® checking accounts benefit is available exclusively with a Bank Smartly® checking account.
Us, too. Explore these additional ways to grow your money and bank better. Please note that rates vary by term and location. Annual Percentage Yield25 (APY) offers are effective currentdate for ZIP code currentZipCode. (Edit ZIP code)
Earn 20,000 points worth $200 when you spend $1,000 in the first 90 days.31