These are the Americans who can receive an ‘automatic’ payment of up to $450 from US Bank – Deadline is June 26th

If you are looking for a way to earn a few hundred extra dollars this summer, US Bank is giving eligible Americans the chance to receive up to $450 in an automatic cash bonus. But there is a catch — the offer only applies if you open a new Smartly® Checking account and follow a few specific steps.

This promotional offer is not a government stimulus payment or a refund. It is a limited-time bank sign-up bonus, and yes, it is 100% real — if you follow the rules. You must act quickly though, because the deadline to qualify is June 26, 2025.

How to get the US bank $450 bonus?

To receive this payment, here are the exact steps you need to take:

1. Open a Smartly® Checking account with US Bank before June 26.
   
2. Make an initial deposit of at least $25.
   
3. Enroll in US Bank online or mobile banking within 90 days of opening the account.
   
4. Meet the direct deposit requirements within the first 90 days.
   

The amount of your bonus depends on how much you deposit through direct deposit in that 90-day window:

• $250 bonus for at least $2,000 in total direct deposits.
  
• $350 bonus for at least $5,000 in total direct deposits.
  
• $450 bonus for $8,000 or more in total direct deposits.
  

Keep in mind: Only payroll, government benefits, pensions, or other ACH direct deposits count toward the bonus — personal transfers or bank-to-bank moves do not qualify.

Is the US bank $450 bonus really automatic?

While the payment is being called “automatic,” it only applies after you meet the account and deposit requirements. Once you do, the bonus will appear in your account within 60 days. So no, it does not happen immediately or without effort — but you do not need to apply for the bonus separately once you qualify.

US Bank’s promotion terms clearly state:

“The bonus will be deposited into your new checking account within 60 days of direct deposit verification if all requirements are met.”

So yes, it is automatic in that once you do your part, you do not have to lift another finger.

Are there any hidden fees or limitations?

There are a few things you should know. US Bank’s Smartly® Checking account does have a monthly maintenance fee of $6.95, but it can be waived if you meet any of these:

• Maintain a $1,500 minimum balance
  
• Have monthly direct deposits totaling $1,000 or more
  
• Use a US Bank credit card or loan product
  

Also, this bonus offer is only for new US Bank customers who have not had a checking account with the bank in the past two years.

So if that is you — and you can meet the deposit amounts — this could be a very easy way to earn up to $450.

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