U.S. Bank Smartly Checking application guide
The bank's application opened in a new tab (if not, tap Apply below). Keep this page next to it and follow along.
SSN, 여권 번호, 은행 계좌번호를 절대 요구하지 않습니다. 신청은 은행이나 플랫폼의 공식 웹사이트에서만 진행되며 이 사이트를 거치지 않습니다.
1. Before you start: do you have everything?
Tick each item. Get anything missing first so you don't get stuck halfway.
2. Form cheat sheet: copy common details
Fill this in once and we'll format it the way US banks expect. On the bank form, tap Copy and paste.
This stays only in this browser. It's never uploaded or sent to the bank. There are no fields for SSN, ITIN, passport or bank account numbers — enter those directly on the bank's website.
What to enter on the bank form
Even faster: set up browser autofill in 30 seconds
Save your name, address, phone and email in your browser and fill bank forms in one tap. It's a feature of your own device; banks accept it and we never see your details.
- Chrome: ⋮ menu → Settings → Autofill and passwords → Addresses and more → Add.
- Safari (Mac): Safari menu → Settings → AutoFill → tick “Using information from my contacts”, and fill in your own card in Contacts.
- iPhone: Settings → Safari → AutoFill → turn on “Use Contact Info” and pick your card.
- Android: Chrome ⋮ menu → Settings → Addresses and more → Add address.
3. Form words explained
Can't find a word? Ask the chat assistant.
- First name / Given name
- Your given name, spelled exactly as on your passport.
- Last name / Surname / Family name
- Your family name, spelled exactly as on your passport.
- Middle name
- Optional. Leave empty if you don't have one.
- Date of birth (DOB)
- Usually MM/DD/YYYY, e.g. March 8, 1999 is 03/08/1999.
- Mother's maiden name
- Your mother's family name before marriage; used as a security question.
- Residential address
- Where you actually live. P.O. boxes are not accepted.
- Mailing address
- Where you receive mail. Tick “same as residential” if identical.
- Apt / Unit / Suite
- Apartment or unit number, e.g. Apt 4B. Leave empty for a house.
- ZIP code
- US postal code, 5 digits, e.g. 95112.
- Years at address
- How long you've lived at this address.
- Housing status (Rent / Own)
- Whether you rent, own, or live with family.
- Citizenship / Country of citizenship
- The country that issued your passport.
- U.S. person / U.S. resident for tax purposes
- Whether you're a US person for tax purposes. Ask the bank if unsure; we don't give tax advice.
- SSN / TIN / ITIN
- Social Security / taxpayer / individual taxpayer number. Enter it only on the bank's website; never send it to anyone, including us.
- Occupation
- Your job. Students choose Student.
- Employer
- Who you work for. Students may enter their school or choose not employed.
- Annual income / Gross income
- Yearly income before tax. Check the form's instructions for what counts.
- Source of funds
- Where the money comes from, e.g. salary, savings, family support, scholarship.
- Purpose of account
- Why you're opening the account, e.g. everyday spending or savings.
- Expected monthly deposits
- Roughly how much you expect to deposit each month.
- Direct deposit
- Your pay sent straight into this account. Many bonuses require it.
- Promo code / Offer code / Coupon
- Some bonuses need a code entered at sign-up or a coupon shown when opening.
- Routing number / Account number
- Bank routing and account numbers, used to set up direct deposit. Don't share them.
- Joint account / Joint owner
- An account shared with another person. Choose individual if it's just you.
- Overdraft protection
- Lets payments go through without enough balance, often for a fee. You can decline.
- Paperless statements
- Statements by email instead of paper; sometimes waives fees.
- Hard pull / Credit check
- A formal credit check when applying for a card; may lower your score slightly for a while.
4. Key reminders
Your ticks are saved in this browser by default.
5. Done?
After you submit and your account is open, tap below. We'll tick your checklist and show the next step.