U.S. BankU.S. Bank Smartly Checking
APY
0.05%
Min. to Open
$25
Monthly Fee
$6.95/month
Welcome Bonus
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U.S. Bank Smartly Checking
U.S. Bank Smartly Checking
Relationship-priced interest checking. April 2026.
Our take
Rate and perks scale with balances and product relationships — worth it if you consolidate banking.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
Is this account right for you?
Answer a few quick questions — we'll match you with the bank accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 0.05% |
| APY conditions | Higher tiers with balances and products |
Fees & Requirements
| Monthly fee | $6.95/month |
| Fee waiver | Combined balances or military |
| Minimum to open | $25 |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
| Check writing | Check writing |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.05%. Higher tiers with balances and products
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. Check writing is supported. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
How do I avoid the monthly fee?
The monthly fee of $6.95 can be waived if you Combined balances or military.
U.S. Bank Smartly Checking