The Mad Capitalist recommendation - U.S. Bank Smartly™ Checking

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This account offers military and age-based discounts on monthly fees

U.S Bank Smartly™ Checking: Banking with little or no fees is possible!

U.S Bank Smartly™ Checking offers many features that make it an attractive choice for those looking for a reliable bank account that comes packed full of benefits. From joint accounts that allow two people to share expenses, to monthly maintenance fee waivers depending on your age or status in the military, this checking account from U.S Bank has something for everyone!

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Enjoy the perks of modern banking with U.S Bank Smartly™ Checking! Experience an array of advantages designed to make everyday financial activities easier and more convenient than ever before. Check out its main benefits!

Save money on fees by choosing a joint account;

Waive your monthly fees with direct deposit or being a military member;

Enjoy free ATM withdrawals at U.S Bank ATMs;

Get overdraft protection and have your fees forgiven.

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Introducing a fresh breeze in banking – the U.S. Bank Smartly™ Checking! This account is your ticket to effortless financial management, combining practicality and innovation to meet the demands of modern life. It’s not just a checking account; it’s your financial sidekick.

Strengths and Special Offerings

No Monthly Maintenance Fees: Enjoy the freedom from monthly charges, allowing you to manage your finances without the burden of additional costs (terms apply).
Mobile Banking Perks: Utilize an intuitive mobile app, offering features like mobile check deposit, digital wallet compatibility, and instant transaction alerts, enhancing your banking experience.
Overdraft Protection Options: Safeguard your finances with a variety of overdraft protection features, providing a safety net for unforeseen financial fluctuations.
U.S. Bank Reliability: Bank with confidence, knowing that your funds are safeguarded by the established reputation and security protocols of U.S. Bank.
Accessibility and Convenience: Take advantage of extensive ATM networks and customer service channels, ensuring easy access to your funds and support when needed.

Limitations to Consider

Foreign Transaction Fees: International transactions attract additional fees, a consideration for those who frequently travel or shop internationally.
Limited Interest Earnings: The account does not offer competitive interest rates, limiting your potential for earning through your balance.
Minimum Opening Deposit: A required initial deposit might be a hurdle for those looking for a no-cost entry into a checking account.
Paper Statement Fees: Receiving paper statements comes with an additional charge, pushing users towards electronic statements.

U.S. Bank Smartly™ Checking emerges as a reliable and user-friendly option for individuals seeking straightforward and efficient money management.

While it does come with certain limitations, like foreign transaction fees and limited interest earnings, the array of smart features and the reliability of U.S. Bank make it a sensible choice for many.

The minimum balance for the U.S Bank Smartly™ Checking is $1,500. By maintaining this minimum balance, you can avoid the U.S. Bank Smartly™ Checking account monthly fee.

Yes, the U.S Bank Smartly™ Checking account charges a monthly fee ranging from $0 – $6.95 per month, depending on your account balance. You can waive the monthly fee for the U.S Bank Smartly™ Checking by meeting certain requirements, like having a direct deposit of at least $1,000 per month or maintaining a minimum daily balance of $1,500.

No, it is not. It’s available in 26 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.

You can apply for the U.S Bank Smartly™ Checking by visiting their website. The process is quick, and only takes about five minutes to complete. You can find more information about the eligibility requirements, and how to apply in our post below. Get started now by reading it.

U.S. Bank Smartly™ Checking application

Looking to apply for U.S. Bank Smartly™ Checking? Let us guide you through the process and make banking easier than ever before.

Keep Reading

If you want to get the most out of your budget when traveling, then another option, HSBC’s Premier Checking Account, could be worth exploring. Enjoy no foreign transaction fees and complimentary savings accounts among its financial benefits.

This account is designed with convenience for globetrotters who are serious about their finances and want access to preferential mortgage rates. Read our full post to get started and improve your adventures!