Overview

• New Bank Smartly checking accounts opened Sept. 19–Nov. 20, 2025 with at least $25 qualify for the promotion.
• Customers must enroll in online or mobile banking and receive two or more direct deposits within 90 days to earn $250, $350, or $450 based on total deposit amounts.
• Direct deposits must be ACH payroll or government benefits, with person-to-person payments and other electronic transfers not counting.
• The bonus credits within 60 days after the month requirements are met and is reported as interest on IRS Form 1099-INT.
• The account has a $6.95 monthly fee that can be waived by holding a U.S. Bank credit card, keeping a $1,500 monthly balance, or receiving $1,000+ in monthly direct deposits, with military members exempt.