A lot of bank account bonuses are restricted to certain states. One of the common questions that is asked is “can you open an account with this bank if you live out of state and go into a physical branch to open?” Like most things, it varies by bank/credit union. We will use this page to collect data points, if you have any experience then please share them in the comments below. As always, pages like this live and die by the community. If people don’t contribute, then we will have no data points so make sure you share your knowledge.
Also just a friendly reminder to not waste too much of your vacation time chasing bonuses, it’s nice to enjoy life as well.
3Rivers Federal Credit Union
- Does allow, worked online and bonus posted: 1,
Academy Bank
Alden Credit Union
Allied First Bank
Andigo
Associated Bank
Bank of The West
Bank & Trust
BB&T
BBVA
Blue Hills Bank
BMO Harris
BMT (Bryn Mawr Trust)
Campus USA
- Does allow: 1 (bonus posted)
Capital Bank
- Does allow: 1 (not out of state, but out of area)
Central Bank
Chase
CIBC US
- Allows: 1 (sent in via e-mail on 07/03/18)
Citizens Bank
Coatesville Savings Bank
Columbia Bank
Comerica Bank
Credit Union 1
DCU
Fairwinds Credit Union
Fidelity Bank
Fifth Third
First America Bank
First Bank & Trust
FirstBank
First Commerce Bank
First Financial Bank
First Home Bank
First National Bank of Long Island
First Republic
- Does allow: 1 (in branch)
First Tech Federal Credit Union
First Tennessee
Firstrust
- Does allow: 1 (in branch)
First United Credit Union
Flushing Bank
- Does allow: 1 (in branch)
FNBO
GESA Credit Union
Hancock Whitney
HarborOne Bank
- Doesn’t allow: 1 (ID is checked)
Huntington Bank
Iberia Bank
Investors Bank
Jovia Financial Credit Union
KeyBank
- Does allow with two forms of ID, just keep in mind they are inquiry sensitive: 1,
KeyPoint
Landmark Credit Union
Midland Credit Union
Middlesex Savings Bank
- Does allow: 1 (in branch)
MidWestOne Bank
M&T
Mountain America Credit Union
MyNorthwest
North Shore Bank
Northwest Federal Credit Union
Old National Bank
OneWest Bank
Option1
People’s United
- Does allow: 1 (in branch)
PNC
- Does allow: 1, 2 allowed when there was no bonus), 3 (allowed for a single state specific bonus when they were in another service area), 3 (allowed out of state with bonus), 4 (online), 5 (online), 6, 7 (online), 8 (in branch)
- Didn’t allow: 1 (Manhattan)
Premier Bank
- Does allow: 1 (in branch and bonus pays out)
Redstone Federal Credit Union
Regions
Ridgewood
- Does allow: 1 (in branch)
Sandy Spring Bank
Santander
Signature Bank of Georgia
Star One Credit Union
State Bank of India (California)
SunTrust
TBK Bank
TD Bank
- Allows by phone, but not possible to get sign up bonus: 1
Tower Federal Credit Union
- Requires a donation to the Foundation: 1,
UMB Bank
- Does allow: 1 (some states)
United States Senate Federal Credit Union
U.S. Bank
- Does allow: 1 (in branch)
US Alliance Financial
Valley National Bank
WaterStone Bank
- Doesn’t allow: 1 (online)
WECU
Wells Fargo
Wings Financial Credit Union
Wintrust
Woori America Bank
William Charles
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