U.S. Bank Smartly™ Checking review: Is it right for you?
With our comprehensive U.S. Bank Smartly™ Checking review, you can discover if this account is the right option for your financial needs. Keep reading! Keep reading to learn more!
U.S. Bank Smartly™ Checking: Open an account with only $25!
Are you looking for a new and simple way to manage your money? Then read our U.S. Bank Smartly™ Checking review to find no! Enjoy a checking account that makes banking convenient, easy, and secure.
In this blog post, we will break down the main features of this product to help you decide if it’s right for you. Keep reading to learn more! Let’s get started!
- Fees: Minimum 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.
U.S. Bank Smartly™ Checking: how does it work?
U.S Bank Smartly™ Checking is the smart choice for savvy consumers who want a hassle-free way to manage their finances.
With only $25, you can open an account and enjoy features such as free online management and fee waivers – plus, it’s easy to apply in minutes via their simple online process.
It’s necessary to keep a minimum balance of $1,500; this way, you can avoid the monthly fee. Unfortunately, the account is only available for 26 states.
Also, it offers a variety of features designed to make your banking experience as stress-free as possible. Here are some of the highlights.
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You can get monthly fees waived
The monthly fee to keep this open account ranges from $0-$6,95. However, you can waive it in many ways.
Members of the military and customers under 24 or 65+ don’t need to worry about a monthly maintenance fee.
To be eligible for this benefit, customers can:
- Make combined deposits totaling $1K or higher every month;
- Maintain an average account balance of at least $1500;
- Or get a U.S. Bank credit card or qualify themselves to receive one out of four Smart Rewards™ tiers.
Free ATM withdrawals
Withdraw money from any domestic ATM with no additional fee from U.S. Bank. Also, you won’t pay any surcharge fees using ATMs from MoneyPass® Network. The list of locations is available on the website.
Overdraft fees prevention
Enjoy the convenience of no-fee overdraft protection transfers from a linked deposit account. Keep your Available Balance above $50, and you won’t be charged any fees.
Plus, their Overdraft Fee Forgiven program lets you completely avoid certain charges.
Easily pay all your bills in one place and never worry about missing a payment again. Plus, set up automatic payments, so you never have to think twice about getting those important bills paid on time.
- Zero fraud liability;
- Mobile check deposits;
- Contactless payments;
- Access Smart Rewards™: your combined qualifying balances can get you some benefits, such as overdraft fees-free;
- Joint accounts.
U.S. Bank Smartly™ Checking: main features
Now that you know how the U.S. Bank Smartly™ Checking account works, it is time to compare its pros and cons. Check it out below.
- Joint accounts allow two people to share equal control over their finances – unlocking a world of financial freedom and success;
- The monthly fee can be waived;
- Free ATM fee at U.S Bank ATMs;
- Overdraft Fee Forgiven and Overdraft protection.
- The account doesn’t earn interest;
- It’s only available for 26 states.
- No bonuses or rewards.
Credit score required
The U.S. Bank Smartly™ Checking account doesn’t have any credit score requirements for new customers since opening a bank account doesn’t always require checking your credit score.
However, having a negative one can lead banks to block access to certain products or services and incur additional fees.
U.S. Bank Smartly™ Checking application: how to do it?
Are you interested in learning more about the U.S. Bank Smartly™ Checking? Take advantage of this special offer and learn how to apply with our helpful instructions. Check out our post below!
About the author / Suzana Brito
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