{"account":{"slug":"us-bank-smartly-checking","bank":"U.S. Bank","name":"Bank Smartly Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.usbank.com/bank-accounts/checking-accounts/bank-smartly-checking.html","history":[{"date":"2026-06-11","apy":"0.01% on positive balances","monthlyFee":"$12 with multiple waiver paths","minimumOpen":"$25","atm":"40,000+ U.S. Bank and MoneyPass ATMs","note":"Legacy snapshot before ZIP-gated rate handling and event-level evidence attachments"},{"date":"2026-09-04","apy":"ZIP-specific tiered rates; numeric APY not exposed until a location is selected","monthlyFee":"$12; first two months free, then waived through deposits, balances, eligible relationships, qualifying age, or Gold tier+","minimumOpen":"$25","atm":"Fee-free access at 4,000+ U.S. Bank ATMs; additional waivers depend on Smart Rewards tier","note":"Removed the unsubstantiated nationwide 0.01% claim; reconfirmed fee waivers, tier thresholds, opening deposit, ATM count, and overdraft features","sourceUrl":"https://www.usbank.com/bank-accounts/checking-accounts/bank-smartly-checking.html","sourceLabel":"U.S. Bank Smartly Checking and Smart Rewards terms"},{"date":"2026-10-23","apy":"Variable, location-dependent rates; confirm the APY for your ZIP code","monthlyFee":"$12 per statement period; first two waived, then qualifying deposits, average balance, relationships, age/groups or Gold tier+ can waive it","minimumOpen":"$25","atm":"4,000+ no-fee U.S. Bank ATMs. Standard non-U.S. Bank transaction fee is $3 before applicable waivers; ATM-owner charges are separate. Bronze/Silver waive the first two bank transaction fees per statement, Gold+ waive all, and Platinum+ reimburse the first domestic owner surcharge. MoneyPass is surcharge-free but can still incur the bank transaction fee.","note":"Rechecked $12 fee and exact waiver relationships, five Smart Rewards tiers, separate card-bonus balances, ATM bank fee versus operator surcharge, $36 overdraft rules and Greenlight Select conditions. Public offer discloses dated APYs; no nationwide location-specific rate inferred.","sourceUrl":"https://www.usbank.com/content/dam/usbank/en/documents/pdfs/disclosures/consumer-pricing-information.pdf","sourceLabel":"U.S. Bank consumer pricing and linked current disclosures"}],"verificationEvents":[{"id":"d6801f61-8092-493b-8fed-b925458b7c79","entityType":"bank-account","slug":"us-bank-smartly-checking","checkedAt":"2026-10-23T14:17:12.110Z","recordedAt":"2026-10-23T14:17:12.111Z","sourceUrl":"https://www.usbank.com/content/dam/usbank/en/documents/pdfs/disclosures/consumer-pricing-information.pdf","sourceLabel":"U.S. Bank Consumer Pricing Information effective August 10, 2026 and current linked disclosures","outcome":"changed","summary":"Reverified fees, precise waiver relationships, rewards tiers, ATM charges, overdraft and Greenlight rules. Distinguished card earning balances from bank-tier balances. Dated offer APYs are not inferred as nationwide location-specific rates.","changedFields":["monthlyFee","plans","features","atm","pros","cons","ourTake","sections","editorialReview","termHistory","lastVerified"],"facts":{"monthlyFee":12,"openingMinimum":25,"feeWaiverBalance":1500,"feeWaiverDirectDeposits":1500,"numericNationwideApyVerified":false},"previousHash":"4de1ea5f7c4fd3c1ac08bce2b70385007401eb2f1d2b43cdc9d317fd60d7b735","recordHash":"a5c3c3e084abd622dab2aae22a696e1c219c09b540aac540a164f46b49007a6e"},{"id":"8159e6a6-e77c-477e-8dfc-0ae9d07735c1","entityType":"bank-account","slug":"us-bank-smartly-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:58:53.997Z","sourceUrl":"https://www.usbank.com/bank-accounts/checking-accounts/bank-smartly-checking.html","sourceLabel":"U.S. Bank Smartly Checking and Smart Rewards terms","outcome":"changed","summary":"Removed a generalized APY and old ATM count; confirmed ZIP-gated rates, fee waivers, tier thresholds, and overdraft features","changedFields":["apy","monthlyFee","plans","features","atm","pros","cons","ourTake","termHistory","lastVerified"],"facts":{"apy":"ZIP-specific tiered rates","monthlyFee":"$12, waivable","minimumOpen":"$25","atms":"4,000+"},"previousHash":"45ef3baf1023b0fc006bec1d1303a5e2669c02267753c4672ed17395a3e14608","recordHash":"05bc007e0586a84e2b4d7840773c26336687fd5491955762025fa5123e739786"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}