USBank Smartly Savings: Switch, Save, and Budget with Ease

USBank Smartly Savings is a digital savings account designed to help you save money with ease. It's perfect for those who want to save for a specific goal, like a down payment on a house or a vacation.

With UBank Smartly Savings, you can switch to a savings account in just a few minutes, and start saving immediately. No need to wait in line or fill out paperwork.

One of the best features of UBank Smartly Savings is its budgeting tool, which helps you track your spending and stay on top of your finances.

You can pay a monthly maintenance fee of $6.95 or have it waived if you meet certain requirements.

To qualify for a $0 monthly maintenance fee, you'll need an average account balance of $1,500 or greater, have an open U.S. Bank consumer credit card, or receive combined monthly direct deposits of $1,000+.

Here are the requirements to waive the monthly maintenance fee:

Additionally, you may qualify for a $0 monthly maintenance fee if you're a member of certain special customer groups, including youth ages 13 to 24, seniors ages 65 and greater, and military personnel.

You can pay just $6.95 or even zero monthly maintenance fees with this account.

To qualify for zero monthly fees, you'll need to meet one or more of these requirements: average account balance of $1,500 or greater, have an open, qualifying, U.S. Bank consumer credit card, or combined monthly direct deposits totaling $1,000+.

You might also qualify if you're a member of a special customer group, such as youth aged 13 to 24, seniors aged 65 and greater, or military personnel.

Contactless payments are also available with this account, making it easy to make purchases on the go.

The U.S. Bank Smartly Visa Signature Card has a major advantage: no annual fee. This means you won't have to pay extra just for the privilege of carrying the card.

The combination of its high flat rate and interest-free period makes it a solid contender among the top flat-rate cash-back cards on the market.

The U.S. Bank Smartly Savings account offers a range of rewards and benefits that can help you earn more cash back on your purchases.

You can earn unlimited 2% cash back on all eligible purchases with the U.S. Bank Smartly Visa Signature Card, which is basically the gold standard of credit card rewards.

To get even more cash back, you need to have a U.S. Bank Smartly Savings account and average daily combined qualifying balances in U.S. Bank deposit, trust, or investment accounts.

The more you have in your U.S. Bank accounts, the more cash back you can earn: 2.5% cash back with a qualifying balance between $5,000 - $49,999, 3% cash back with a qualifying balance between $50,000 - $99,999, and 4% cash back with a qualifying balance of $100,000 or more.

Here's a breakdown of the cash back rates:

You also get a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles, which can be a huge benefit if you're planning to make a large purchase or transfer a balance.

With usbank smartly savings, you can build a better budget with our automated financial tools.

Our mobile app allows you to track your spending categories.

You can set up alerts to help you stay on track with your finances.

Get market insights tailored to your needs.

Our goal planner helps you estimate how much you'll need for your next big purchase.

Use our tools to make informed decisions about spending and investing.

Switching to US Bank's Smartly Savings is a breeze, especially when it comes to direct deposit. You can enroll in direct deposit with ease using our automated setup.

Your direct deposit update is seamless, secure and verified in real time, giving you peace of mind.

With U.S. Bank's Smartly Savings, you can track your spending categories and set up alerts to help you stay on track.

The U.S. Bank Mobile App allows you to monitor your spending and make informed decisions about your finances. You can even set up alerts to notify you when you've reached a certain spending threshold.

To make the most of your savings, consider using the Bank Smartly Checking account. This account offers competitive interest rates that grow as your balances grow, and you can unlock even higher rates by adding a Bank Smartly Savings or Safe Debit account.

With Bank Smartly Savings, you can enjoy competitive interest rates and grow your savings over time. Plus, your money is safe and secure with FDIC insurance up to the maximum allowed by law.

Your money's safe with us, and we're not just talking about our bank's reputation. We're FDIC-insured, which means your deposits are protected up to $250,000 per depositor, per ownership category, per FDIC-insured bank.

You're also protected from fraud liability for unauthorized transactions. This means you won't be held responsible if someone uses your account without your permission.

Using an app to track your spending categories can help you stay on track.

The U.S. Bank Mobile App allows you to set up alerts to notify you when you've reached a certain spending threshold or when a payment is due.

You can also use the app to get market insights tailored to your needs, so you can make informed decisions about spending and investing.

To estimate how much you'll need for a big purchase, use the app's goal planner to help you set a savings goal and track your progress.

By using these automated financial tools, you can build a better budget and make saving easier.

The US Visa Signature Card is a great option for those who want to earn cash back on their purchases. It offers an unlimited 2% cash back on every purchase.

To earn even more cash back, you'll need to pair the card with a US Bank Smartly Savings account and have a qualifying balance in a US Bank deposit, trust, or investment account. This can boost your earnings rate to 2.5%, 3%, or even 4% cash back on spending.

The card has no annual fee, which is a big plus. However, it does come with a foreign transactions fee of 3%. If you plan to use the card abroad, be aware of this extra charge.

To earn the higher rewards rates, you'll need to have a qualifying balance of at least $5,000 to $49,999, $50,000 to $99,999, or $100,000 or more in US Bank balances.

Here are the different cash back rates you can earn:

It's worth noting that the card has a 0% intro APR for 12 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.49%-28.74% Variable APR. Be sure to pay off your balance before the intro APR expires to avoid interest charges.

The U.S. Bank Smartly Visa Signature Card offers an unlimited 2% cash back on all eligible purchases, but there's more to it than that. If you have a U.S. Bank Smartly Savings account and meet certain balance requirements, you can earn even higher cash back rates.

Here are the bonus rates you can earn with a qualifying balance:

The card also comes with a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles, but be aware that the regular APR is a variable 18.49%-28.74%.

The U.S. Bank Smartly Visa Signature Card is a top contender in the cash-back credit card market, offering an unlimited 2% cash back rate that puts it on par with the best flat-rate cash-back credit cards.

However, what sets this card apart is its ability to increase its base rate to 2.5%, 3%, and even 4% back for holders who meet certain balance requirements.

To earn the card's bonus rates, you'll need to pair it with a U.S. Bank Smartly Savings account and carry a minimum amount across eligible U.S. Bank accounts, which is at least $5,000 to boost your earnings rate to 2.5% and at least $100,000 to get the outstanding 4% back.

The card is made of metal, which might appeal to your aesthetic if you're looking for a premium feel.

To get the full value of your cash back, which is earned as points, you'll need to deposit your rewards into a U.S. Bank account.

The U.S. Bank Smartly Visa Signature Card is a cash back card that earns an unlimited 2% cash back on all eligible purchases. This makes it a great option for those who want a simple and straightforward rewards program.

To earn even more rewards, you need to have a U.S. Bank Smartly Savings account and average daily combined qualifying balances in U.S. Bank deposit, trust, or investment accounts. This can boost your earnings rate to 2.5%, 3%, or even 4% cash back.

Here's a breakdown of the elevated rewards rates:

To get the full value of your cash back, you must deposit your rewards into a U.S. Bank account. This is because the rewards are earned as points, and redeeming them as a deposit into an eligible U.S. Bank account gives you a value of 1 cent per point.

The US Bank Smartly Savings account is definitely worth considering, especially with its potential to earn a 4% rewards rate. However, you'll need to meet steep balance requirements to unlock this top-tier rate.

A 4% rewards rate is incredibly high, and it's a major selling point for this account. But, it's essential to understand that this rate is only available to those who meet the necessary balance requirements.

Even if you don't qualify for the 4% rate, the base rewards rate of 2% is still a very good option. You'll still earn a decent return on your savings without having to meet the higher balance requirements.

The key takeaway is that US Bank Smartly Savings offers a competitive rewards rate, but it's not without its conditions.