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Reviews

U.S. Bank Smartly™ Checking application: how does it work?

Applying for U.S. Bank Smartly™ Checking just got easier! Discover all the ways to apply, whether through our website or with your phone - and we will provide every step of the way. Read on!

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by Suzana Brito

01/02/2023 | Updated on 01/26/2023

U.S. Bank Smartly™ Checking: The application is online, and takes only five minutes!

U.S. Bank logo
Learn how to apply for the U.S. Bank Smartly™ Checking account. Source: The Mad Capitalist

Managing money has never been easier with U.S. Bank Smartly Checking! You can enjoy digital banking, budgeting tools, and more in just five minutes online.

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Checking Account

U.S. Bank Smartly™

Online Banking Simple and Fast

Waive monthly fee and enjoy free ATM fee at U.S Bank ATMs.

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Waive monthly fee and enjoy free ATM fee at U.S Bank ATMs

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All without ever leaving home! We’ll help you understand the eligibility requirements and how to apply for this checking account. Keep reading!

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Apply online

You can visit their website to apply for the U.S Bank Smartly™ Checking account. The application process is relatively simple, and you can complete it in just a few minutes. 

You’ll need to provide basic information about yourself, including your name, address, and Social Security number. Also, you need to provide some financial information, such as your income and assets.

Once you’ve completed the application, U.S Bank will review it and determine whether or not you’re eligible for the account. If approved, they’ll send you a card in about seven days.

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Requirements

  • Be a U.S. citizen or authorized resident;
  • Have proof of income;
  • Have proof of residency;
  • Live in one of the following states: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY. 

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Apply on the mobile app

You can download the U.S. Mobile Banking and open a checking account. The main menu has just what you need. Explore your options and compare details easily before selecting ‘Apply now’ — it’s that easy.

You can also use the app to manage your account, make payments, and more! 

U.S. Bank Smartly™ Checking or HSBC Premier Checking?

The hard work that goes into running a cafe. Shot of a handsome young man using a laptop and phone in a coffee shop.
Compare the U.S. Bank Smartly™ Checking and HSBC Premier Checking. Source: Adobe Stock

One of the main differences is that the HSBC Premier Checking account offers a higher interest rate on your deposited funds.

Additionally, the HSBC Premier Checking account has more ATM fee waivers than the U.S. Bank Smartly™ Checking account- so if you use ATMs often, this could be an important difference to consider.

Finally, the HSBC Premier Checking account also offers several travel benefits.

Multiple personalized credit card offers

Applying won't hurt your credit score

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U.S. Bank Smartly™ Checking

  • Fees: Opening Deposit: $25; Monthly fee: $0 or $6.95; Minimum Direct Deposit [combined] to Avoid Monthly Fee: $1,000;
  • Minimum balance: $1,500;
  • APY: N/A;
  • Credit score: N/A;
  • Rewards: N/A. 

HSBC Premier Checking

  • Fees: Monthly fee: $50 monthly fee (can be waived, see rates and fees)/ Minimum Opening Deposit: $0; Minimum Balance to Avoid Monthly Fee: $75,000/ Minimum Direct Deposit to Avoid Monthly Fee: $5,000/ Closing fee: $25. 
  • Minimum balance: $75,000.
  • APY: 0.01%. 
  • Credit score: N/A.
  • Rewards: N/A.

Would you like to find out how to apply for an HSBC Premier Checking? Stay tuned to our next post!

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HSBC Premier Checking application

Find out how to apply for the HSBC Premier Checking in less than five minutes. Enjoy free ATMs and more. Read on!

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HSBC Premier Checking application

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About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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