[CA, IL, NJ, NY, TX, VA] Hanmi Bank $200 Personal Checking Bonus, Direct Deposit Not Required

Update 1/3/26: Extended to 12/31/26. No longer requires a joint checking account. Hat tip to reader RM

Offer at a glance

• Maximum bonus amount: $200
• Availability: CA, IL, NJ, NY, TX, VA
• Direct deposit required: No
• Hard/soft pull: Soft pull
• ChexSystems: Unknown, not sensitive
• Credit card funding: Unknown
• Additional requirements: See below
• Monthly fees: None
• Early account termination fee: Six months, bonus forfeit
• Household limit: None
• Expiration date: December 31, 2025

The Offer

Direct link to offer

• Hanmi is offering a $200 bonus when you open a new personal checking account and complete the following requirements: 
  • $100 for maintaining $3,000 for first 3 full months (does not matter whether account is individual or joint),
  •  $50 for choosing e-statements, and
  • $50 for $250 in debit card spend in each of first 3 full months.
• The primary account holder must be a new personal checking customer. You must also order, activate, and enroll your debit card in uChoose Rewards® within 30 days of account opening at uchooserewards.com

The Fine Print

• This offer is valid from 2/1/2025 to 12/31/2025. The offer is subject to change and may be discontinued at any time without notice.
• Offer is valid for new personal checking customers; new personal checking customer is defined as a customer who has not had an existing personal checking relationship with
  Hanmi within the past 60 days. Only one (1) eligible account per customer (SSN). If account is opened as a joint account, the primary account holder must be a new personal checking customer. You must order and activate your debit card. Enrollment in uChoose Rewards is required within 30 days after the account opening date to qualify for the bonus points. You must remain enrolled in uChoose Rewards for point crediting on the payout date (for joint accounts, only one signer is required to enroll to earn points).
• Account must remain open and have a 3-month average daily balance of $3,000 or higher for the 1st three full months. 3-month average balance is calculated by dividing the sum of the daily balance (for the 1st three full months), by the total number of days in those three months.
• Points will be credited within 30 days after the 1st three full months and account must remain open at time of payout. Points will expire 3 years from the month in which they were credited.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

Bonus is forfeit if closed within six months.

Our Verdict

Bit annoying that you need a joint account to get the full bonus, but at least there is no direct deposit required. Previously a $350-$500 bonus was available.

Hat tip to reader RM

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