Tag: az bank bonuses

[AZ only] VantageWest Credit Union $300 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit
Update 10/5/24: Deal is back until October 15, 2024. Hat tip to DesertActor

Update 7/23/22: Deal is back until December 31, 2022. Hat tip to payyoutuesday.

Offer at a glance

Maximum bonus amount: $300

Availability: Must live, work or worship in Pima, Pinal, Cochise, or Maricopa Counties, Gila River Indian Community Reservation, Arizona’s “Copper Basin” Area

Direct deposit required: No

Additional requirements: See below

Hard/soft pull: Soft pull

ChexSystems: Unknown

Credit card funding: $2,000

Monthly fees: $12, avoidable

Early account termination fee: Six months, bonus forfeit

Household limit: None

Expiration date: December 31, 2021

The Offer

Direct link to offer

VantageWest is offering a bonus of $300 when you open a new Premium Rewards Checking account. Bonus requirements are as follows:

Make $1,000 in deposits

Complete one debit card transaction

Or you can get a $150 bonus when you open an essential checking account. Bonus requirements are as follows:

Make $500 in deposits

Complete one debit card transaction

The Fine Print

New Vantage West Members are eligible for one of two rewards options:

1) To qualify for the 30,000 Rewards Points bonus ($300 cash value), you must open a new Vantage West Membership and a Premium Rewards Checking account and complete each of the following within 60 days of account opening: Deposit an aggregate total of $1,000 and complete 1 debit card transaction (transaction must be completed with the debit card). Or

2) To qualify for the 10,000 Rewards Points bonus ($100 cash value), you must open a new Vantage West Membership and an Essential Checking account and complete each of the following within 60 days of account opening: Deposit an aggregate total of $500 and complete 1 debit card transaction (transaction must be completed with the debit card).

Promotion runs June 1, 2021- December 31, 2021.

Your checking account must remain open for at least 6 months.

If it is closed within 6 months of the open date you may be responsible for reimbursement of any bonus awarded.

Minimum opening deposit for Premium Rewards Checking and Essential Checking is $20.00.

Essential Checking does not earn rewards points.

A qualifying product (Premium Rewards Checking or Credit Card) must be opened to continue earning rewards points.

Your account must be in good standing at time the bonus is awarded.

The Rewards Points will be credited to your rewards account within 30 days of the date the last requirement is met.

Limit one new Premium Rewards or Essential Checking account, per membership and per member, will be eligible for the bonus.

Offer available to non-Members who have not had a relationship with Vantage West in the past 6 months.

Offer valid for new Premium Rewards and Essential Checking accounts only.

Members with any existing Vantage West relationship are not eligible for the bonus. Conversions between Premium Rewards and Essential Checking are not eligible for the bonus.

Offer cannot be combined with any other offers associated with opening a checking account.

See Vantage West Rewards terms and conditions for details and restrictions of the program.

All accounts are subject to approval. Additional restrictions may apply. Subject to change without notice.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Premium Rewards Checking ($300 Bonus)

This account has a $12 monthly fee. This is waived if you do any of the following:

minimum daily balance of $3,000, or

combined average daily balance in all deposit accounts of $10,000 or

monthly net direct deposit of $750

Essential Checking ($100 Bonus)

This account has no monthly fees to worry about.

Early Account Termination Fee

Account must be kept open for six months, otherwise bonus will be deducted.

Our Verdict

This offer is significantly better than the old $200 bonus as no direct deposit is required. VantageWest also offer a 5% card. This bonus is definitely worth doing and even better due to the higher than normal bonus and the credit card funding available. Will be added to the best checking bonuses.

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William Charles

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October 5, 2024
[AZ] Pima Federal Credit Union $200 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit
Offer at a glance

Maximum bonus amount: $200

Availability: AZ, maybe nationwide with a $20 membership fee “Join Friends of the Pima County Public Library with a $20 membership fee, when you open your account.” According to DP though they don’t actually open the account.

Direct deposit required: No

Additional requirements: See below

Hard/soft pull: Unknown

ChexSystems: Unknown

Credit card funding: Up to $5,000

Monthly fees: None

Early account termination fee: None listed

Household limit: None listed

Expiration date: None listed

The Offer

Direct link to offer

Pima Federal Credit Union is offering a $200 bonus when you open a new checking account and complete the following requirements:

Elect to receive electronic statements

Receive a minimum aggregate deposit of $1,000 each month for two consecutive months

The Fine Print

Valid on new CareFREE Plus checking accounts.

Opening bonus does not apply to existing Pima Federal account holders.

To earn the opening bonus, the CareFREE Plus checking account must meet the following requirements for two consecutive months within the first 90 days from account opening – current enrollment in eStatements and receive a minimum aggregate monthly deposit of $1,000.

Internal transfer deposits and dividend deposits are excluded from the aggregate monthly deposit calculation.

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

Unsure if there is any EATF.

Our Verdict

It’s possible that this bonus isn’t actually active anymore even though there is no end date. It doesn’t look like out of state applications are working so I probably wouldn’t apply unless you live close to an actual branch.

Useful posts regarding bank bonuses:
William Charles

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August 24, 2024
[AZ, AR, NM, TX] First National Bank of Texas: $250 Checking Bonus For Military + Family Members – Doctor Of Credit
Offer at a glance

Maximum bonus amount: $250

Availability: Arizona, Arkansas, New Mexico, and Texas. Must be military or family member

Direct deposit required: Yes, $600+

Additional requirements: None

Hard/soft pull: Unknown

ChexSystems: Unknown

Credit card funding: Unknown

Monthly fees: None

Early account termination fee: Unknown

Household limit: None listed

Expiration date: None listed

The Offer

Direct link to offer

First National Bank of Texas is offering a $250 bonus when you open a new Service 1 or Service 1 High Yield account and complete the following requirements:

Receive a Direct Deposit of at least $600 to your new Service 1 or Service 1 High Yield account within 45 calendar days of account opening. This must be a single ACH transaction and cannot be combined with other deposits and receive a $50 bonus

Receive another Direct Deposit of $600 within the 33 days leading up to your account’s six-month milestone, and we’ll credit another $50 into your account

Receive another Direct Deposit of $600 within the 33 days leading up to your account’s twelve-month milestone, and we’ll credit a final credit of $150 into your account

The Fine Print

The amount of the Bonus up to $250 will be reported to the Internal Revenue Service (IRS).

Customers without a Social Security Number or Taxpayer Identification Number are not eligible to receive the Bonus.

Bonus Limitations: One (1) per Social Security Number or Taxpayer Identification Number; One (1) per Service 1 or Service 1 High Yield Account; new customer checking account relationships only.

Existing customers with a checking account relationship are ineligible to receive the bonus if their new checking account relationship has been opened for more than 34 calendar days.

Cannot be combined with any other offer. Bonus offer can be modified or withdrawn at any time without notice.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

None

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF.

Our Verdict

Annoying that you need to keep the account open for so long and keep direct deposits coming as well. Still probably worth doing if it’s a soft pull, if anybody goes for it share your experiences in the comments below.

Hat tip to Celia

Useful posts regarding bank bonuses:
William Charles

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August 3, 2024
[AZ, CO, OK] First Fidelity Bank $500 Checking & Savings Bonus, Direct Deposit Not Required – Doctor Of Credit
Update 7/13/24: Deal is back, no end date. Terms now state ‘Offers are only available to Oklahoma, Arizona, and Colorado residents’. Hat tip to JimmytheGreek

Offer at a glance

Maximum bonus amount: $500

Availability:Offers are only available to Oklahoma, Arizona, and Colorado residents

Direct deposit required: Optional

Additional requirements: See below

Hard/soft pull: Soft pull

ChexSystems: Unknown

Credit card funding: Unknown

Monthly fees: None

Early account termination fee: 90 days, $30

Household limit: One

Expiration date: None listed

The Offer

Direct link to offer

First Fidelity Bank is offering a bonus of up to $500 when you open a new checking & savings account. Requirements are as follows:

Get $200 when you open a new freestyle checking account. Complete one of the following:

Complete ten (10) POS debit card transactions of at least $10 each.

(2) Set up a monthly recurring direct deposit of at least $250 each.

Get $200 when you open a new traditional savings account and complete the following requirements:

Deposit a total of $15,000 new money within twenty (20) business days of account opening

Maintain a $15,000 balance for a minimum of ninety (90) days from account opening.

Open both a checking & savings account and get an additional $100

The Fine Print

Offers only good for new Freestyle Checking and Traditional Savings accounts for new First Fidelity Bank (FFB) customers.

Checking and savings account bonus offer not available to existing First Fidelity Bank (FFB) customers.

Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance.

Offer limited to one Freestyle Checking and one Traditional Savings account type per household.

May not be combined with other offers.

All account openings subject to approval.

$100 minimum required each to open a new Freestyle Checking and Traditional Savings accounts.

Bonus is not considered part of the minimum opening deposit.

To receive the $200 checking bonus, you must complete one of the following within sixty (60) days of checking account opening:

(1) Complete ten (10) POS debit card transactions of at least $10 each. ATM transactions not eligible.;

(2) Set up a monthly recurring direct deposit of at least $250 each.

$200 bonus will be deposited into your checking account within ten (10) business days once all account requirements are met.

To receive the $200 savings bonus, all of the following conditions must be met:

(1) Deposit a total of $15,000 new money within twenty (20) business days of account opening;

(2) Maintain a $15,000 balance for a minimum of ninety (90) days from account opening.

$200 bonus will be deposited into your checking account within ten (10) business days once all account requirements are met.

If account falls below $15,000 within the first ninety (90) days of account opening, the bonus will be debited from the account.

Additional $100 bonus will be paid upon opening new Freestyle Checking and Traditional Savings on the same day.

Once all account requirements are met for both accounts, the additional $100 bonus will be deposited into your new checking account within ten (10) business days.

Bonus cash is considered interest and is reportable on IRS form 1099-NT (or Form 1042-S, if applicable).

Avoiding Fees

Monthly Fees

Freestyle checking account has no monthly fee. The traditional savings account has no monthly fee as long as you have $200 in the account.

Early Account Termination Fee

If the account is closed within 90 days a $30 fee is charged.

Our Verdict

Seems like a relatively good bonus especially as no direct deposit is needed, just needed to know if it’s a hard or soft pull.

Useful posts regarding bank bonuses:
William Charles

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July 13, 2024
[AZ only] Arizona Central Credit Union $500 Checking Bonus – Doctor Of Credit
Update 4/18/24: Bonus is now up to $500

$250 ONE-TIME bonus to new member with $500 minimum monthly direct deposit.

$500 ONE-TIME bonus to new member with $1,000 minimum monthly direct deposit.

Both bonuses require the following:

All requirements must be met within 60-days of account opening.

Monthly direct deposits for a minimum of $500

Signed up and currently enrolled in eStatements

15 posted debit card transactions

Update 12/2/23: Deal is back and valid until 12/31/2024. Hat tip to reader Monica

Update 1/5/22: Extended through 12/31/2022

Update 2/13/21: Deal is back and valid through December 31, 2021.

Offer at a glance

Maximum bonus amount: $200

Availability: AZ only

Direct deposit required: Yes, $250+ per month

Additional requirements: Enroll in eStatements and perform at least 10 check card transactions

Hard/soft pull: Hard pull (Equifax)

Credit card funding: Unsure

Monthly fees: $5-$15, waive able

Early account termination fee: Bonus clawed back if closed within six months

Expiration date: ~~December 31st, 2014 December 31st, 2016 December 31st, 2018~~ December 31st, 2019

The Offer

Direct link to offer

Receive a $200 bonus from Arizona central credit union when you:

Receive a direct deposit of at least $250/month

Sign up and enroll in eStatements

Perform at least ten signature based check card transactions

The Fine Print

$200 bonus will be deposited within ten days of completing the bonus requirements

Bonus requirements must be completed within 60 days of account opening

Only available to new members with no existing accounts at ACCU

Considered a new member as long as your account was cancelled twelve months prior to opening this new account

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

It’s necessary to maintain a balance of at least $25 at all times.

AzStyle Checking Account $5 Monthly

The $5 monthly fee is waived if you have 10 or more signature based transactions using your check card.

MyStyle Checking Account $10 Monthly

The monthly fee is waived if you are enrolled in eStatements and receive a direct deposit of $250 or more

There are also the HighStyle checking account that has a $15 monthly fee which is waived if you have a balance above $5,000 and teen checking or iStyle account for those between 13-23 which is free.

Early Account Closure Fee

If the account is closed within 6 months then you will forfeit the $200 bonus.

Our Verdict

I don’t live in Arizona, but even if I did I wouldn’t be completing this deal. A hard pull with Equifax makes this a dead-killer, you’d be better off signing up for a credit card with a cash bonus. Aside from that the number of signature debit card transactions is also prohibitive (10 for the bonus and another 10 per month for six months to keep it fee free) and we aren’t sure if anything other than a real employer payroll or government benefit will trigger this bonus.

If you do decide to go for this bonus, I’d recommend reading our listing of better deals first. We’ve added this to the list of state specific checking bonuses. Also let us know if you were able to fund with a credit card and how much you were able to and what counted as a direct deposit.

Post history:

Update 1/18/2020: Deal is back and available through December 31st, 2020.

Update 01/17/18: Deal is back and available through December 31st, 2019. Still not worth doing due to the hard pull.

Update 01/17/18: Deal is back and available through December 31st, 2018. Still not worth doing due to the hard pull.

Update: Deal is back and now expires December 31st, 2016. Still not worth doing due to the hard pull.
William Charles

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April 18, 2024
[AZ, CA, FL, IN, MI, NJ, NY, OH, WI] Flagstar Bank $250-$350 Checking Bonus – Doctor Of Credit
Offer at a glance

Maximum bonus amount: $350

Availability: Arizona, California, Florida, Indiana, Michigan, New Jersey, New York, Ohio, and Wisconsin

Direct deposit required: Yes, $500+

Additional requirements: $500 average balance

Hard/soft pull: Soft pull

ChexSystems: Unknown

Credit card funding: None

Monthly fees: $0-$15

Early account termination fee: 180 days, bonus forfeit

Household limit: One

Expiration date: April 30, 2024

The Offer

Direct link to offer

Flagstar Bank is offering a checking bonus of up to $350.

$250 when you open a Flagstar Ready Checking and complete the following requirements:

Maintain an average daily balance of $500+

Have one or more direct deposits totaling $500 or more

$350 when you open a Flagstar Elite Checking and complete the following requirements:

Maintain an average daily balance of $500+

Have one or more direct deposits totaling $500 or more

The Fine Print

You must be a new personal checking customer of Flagstar Bank.

You must open a Flagstar Ready Checking or Flagstar Elite Checking account.

Minimum $50 deposit to open checking account.

You will receive a $250 credit for Flagstar Ready Checking or a $350 credit for Flagstar Elite Checking into this account as a bonus 91-104 days after an initial deposit is made to the new account (account funding) opened, subject to the following conditions:

Within the first 90 days of the account funding (bonus period) you must maintain an average daily Balance of $500 or more and have one or more direct deposits (ACH credits) totaling $500 or more.

Additionally, (i) this offer is limited to one checking bonus per household, (ii)Flagstar Ready Checking account must be funded within 90 days of the account opening date, Flagstar Elite Checking account must be funded within 60 days of the account opening date, (iii) early account closure fee and reclamation of bonus may be imposed for accounts closed within 180 days, and (iv) Flagstar Bank employees are not eligible for the offer.

If you have been paid a checking cash bonus previously, you are ineligible to receive this offer.

For tax purposes, you will receive an IRS form from Flagstar Bank.

Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee your eligibility. A

ll account applications are subject to our normal approval process. Area restrictions may apply.

Offer expires April 30, 2024.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Flagstar ready checking account has no monthly fee when you opt into eStatements

Flagstar Elite Checking has a $15 monthly service charge, waived when you maintain a $25,000 combined monthly average balance in your Flagstar personal deposit accounts

Early Account Termination Fee

Bonus is forfeit if account is closed within 180 days

Our Verdict

Previously there was a $250 bonus that didn’t require a direct deposit. Seems to be available in more states now. The $350 checking bonus isn’t worth considering due to the $25,000 deposit requirement to keep the account fee free (remember account needs to be kept open for 180 days to avoid the closure fee). If you put those funds into a high yield account earning 5% you’d earn $625. We will add this bonus to our best bank account bonuses.

Hat tip to reader Jason S

Useful posts regarding bank bonuses:
William Charles

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March 20, 2024
[AZ only] Credit Union West $150 Checking Bonus – Doctor Of Credit
Offer at a glance

Maximum bonus amount: $150

Availability: Our membership is open to immediate family of Credit Union West members, Credit Union West employees, and anyone who lives, works, or worships in our membership coverage area, which includes all of Arizona (with the exception of Graham, Greenlee, La Paz and Santa Cruz counties)

Direct deposit required: Yes

Additional requirements: See below

Hard/soft pull: Soft pull

ChexSystems: Unknown

Credit card funding: Unknown

Monthly fees: None

Early account termination fee: Unknown

Household limit: None listed

Expiration date: December 31, 2024

The Offer

Direct link to offer

Credit Union West is offering a bonus of $150 when you open a new Heritage High-Yield Checking and complete the following requirements

Use promo code JOIN150

One ACH credit/Direct Deposit must be established.

Must have at least 15 point-of-sale or purchase transactions post and settle to your account within 30 days of account opening

The Fine Print

Promotional offer is only valid for one new membership per person; offer is not valid for existing members.

$5 minimum balance required for membership account.

One ACH credit/Direct Deposit must be established. Must have at least 15 point-of-sale or purchase transactions post and settle to your account within 30 days of account opening. The new account must be open and in good standing for at least 90 days before the $150 is available for use.

Any taxes are the responsibility of the recipient and are reported on a 1099-INT.

Coupon is non-transferable and non-negotiable for cash. Program subject to change without notice.

Bonuses are considered interest and will be reported on IRS Form 1099-INT.

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

I wasn’t able to find the fee schedule, so I’m unsure if there are any early account termination fees or not

Our Verdict

Not as good as the previous $300 bonus, but seems to be open to more areas now. I’d probably wait for a bigger offer to return before jumping on this and we won’t add it to our best checking bonus page.

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William Charles

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February 4, 2024