不是，直接开的
其中 “eligible” 博大精深，比如未必包含最低档的 biz checking essential 
求问一嘴，昨天刚薅到450开户奖励，距离开户还不到两周，直接关户OK吗？还是留着三个月保险
好像有Smartly Visa Signature® credit card 或 business Silver checking account 就可以免去monthly fee。
Updated Monthly Maintenance Fee
The Bank Smartly Checking account Monthly Maintenance Fee will increase to $12.
You can avoid this fee, while still enjoying all the benefits listed above. Simply complete one of the following:
• $1,500 or more in total direct deposits per statement period, or
• Average monthly balance of $1,500 or more, or
• Presence of an open U.S. Bank Smartly
Visa Signature® credit card, or
• Qualification for Smart Rewards Gold Tier or above, or
• Presence of an eligible small business checking account9
- Eligible small business checking accounts include business Silver, Gold, Platinum and Premium Checking accounts and U.S. Bank Business Essentials® Checking. The Monthly Maintenance Fee waiver is applicable when an account owner maintains an eligible small business checking account, open and in good standing (not in the process of closing).
刚刚收到邮件了，最低档的biz essential也免smartly月费！
- Eligible small business checking accounts include business Silver, Gold, Platinum and Premium Checking accounts and U.S. Bank Business Essentials® Checking. The Monthly Maintenance Fee waiver is applicable when an account owner maintains an eligible small business checking account, open and in good standing (not in the process of closing).
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