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Tag: co bank bonuses

  • [OK, IL KS & MO, CO, In Branch only] Central Bank $500 Business Checking Bonus – Doctor Of Credit

    [OK, IL KS & MO, CO, In Branch only] Central Bank $500 Business Checking Bonus – Doctor Of Credit

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    Update 8/31/24: Deal is back with promo code 500BB9, valid until 11/30/24.

    Offer now expires 7/31/24 with new offer code 500BB7.

    Terms state ‘Offer may only be redeemed by the intended recipient and is nontransferable’ so might be targeted. Needs to be opened in branch though so should be able to ask before opening.

    Offer at a glance

    The Offer

    Direct link to offer

    • Central Bank is offering a $500 bonus when you open a new business checking account and complete the following requirements:
      • Use promo code  500BB6
      • Have a $3,000 balance 90 days after account opening

    The Fine Print

    • To receive the $500 checking bonus, open a new business checking account, deposit $50 or more at account opening, and have at least a $3,000 balance 90 days from the date of account opening.
    • Eligibility for this offer will be verified prior to providing the bonus.
    • Bonus will be reported to the IRS as interest.
    • Bonus will be deposited into the business checking account within 10 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days. If checking account is closed within first 90 days a fee may be imposed.
    • Available to new business checking customers only.
    • Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years.
    • You receive only one new checking account opening related bonus every two years from the last date incentive was paid.
    • Only one bonus per business.
    • The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus.
    • Customer must bring in mailer or use offer code to receive incentive.
    • Offer may only be redeemed by the intended recipient and is nontransferable.
    • 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

    A fee is imposed if account is closed within 90 days, unsure what the fee.

    Our Verdict

    Good bonus if it’s available to everybody and not targeted. Funds only need to be there on day 90, but worth putting the funds in there a few days early to make sure. We will add this to our list of the best bank bonuses.

    Hat tip to reader ShawntheShawn

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    William Charles

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  • [IL, NE, KS, TX, CO, In Branch] FNBO Bank $500 Business Checking Bonus – Doctor Of Credit

    [IL, NE, KS, TX, CO, In Branch] FNBO Bank $500 Business Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: In branch only. Chicago, Omaha, Kansas City, Denver, and Dallas
    • Direct deposit required:No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown, sensitive
    • Credit card funding: None
    • Monthly fees: No
    • Early account termination fee: None
    • Household limit: No
    • Expiration date: 8/31/24

    The Offer

    Direct link to offer

    • FNBO Bank is offering a bonus of $200 or $500. Requirements are as follows:
      • Open your account at a branch and mention promo code BIZCHECKING.
      • Fund your account within 31 days of opening your account a qualifying deposit of $10,000 or more.
      • Maintain your balance for 93 days from account opening.
        • Deposit $10,000 – $19,999.99 and Earn $200
        • Deposit $20,000 and above and Earn $500

    The Fine Print

    • 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 a fee schedule.

    Our Verdict

    Unfortunately it’s in branch only. You need to maintain funds for 93 days, for the $500 bonus that works out to be ~10% annualized return. The $200 bonus works out to be ~8% annualized return. Looks like deposits need to be cash?

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    William Charles

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  • [AZ, CO, OK] First Fidelity Bank $500 Checking & Savings Bonus, Direct Deposit Not Required – Doctor Of Credit

    [AZ, CO, OK] First Fidelity Bank $500 Checking & Savings Bonus, Direct Deposit Not Required – Doctor Of Credit

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    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.

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    William Charles

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  • [CO, WY, In branch] Blue Federal Credit Union $250 Checking Bonus – Doctor Of Credit

    [CO, WY, In branch] Blue Federal Credit Union $250 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: CO, WY, In branch
    • Direct deposit required: Yes, $500+ within 90 days
    • Additional requirements: Use promo code
    • Hard/soft pull: Soft
    • ChexSystems: Yes. They are also sensitive
    • Credit card funding: Up to $3,000+
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • US Citizen: Yes, must be a permanent citizen to open online
    • Expiration date: None

    The Offer

    Direct link to offer

    • Blue Federal Credit Union is offering a $250 bonus when you open a new Elite or Premium NOVA Perks™ checking account and Vista Savings Account and complete the following requirements:
      • Enroll in eStatements
      • Set up your Direct Deposit to get started

    The Fine Print

    • $250 new membership benefit eligible to members who have not held a Blue membership within the previous 12 months.
    • Vista Savings account required to earn the bonus.
    • To redeem must bring in or mention the offer.
    • Minimum $500 aggregate direct deposit must be credited to a NOVA Perks™ checking account in the first 90 days of membership and accounts must be maintained in good standing through the qualifying period for benefit eligibility.
    • Must be enrolled in e-statements. Qualifying membership accounts will receive the $250 benefit paid out in their Vista High Yield Savings account in the calendar month following the completion of the direct deposit requirement and e-statement enrollment membership.
    • Member is responsible for any tax liability. Subject to change.
    • Offer may not be combined with other, same product offers, or NOVA Perks™ Elite Checking fee deferral offers.
    • Employees of Blue Federal Credit Union are not eligible to participate.
    • Limit one bonus per social security number.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Nova perks has no monthly fees to worry about.

    Early Account Termination Fee

    Unsure if there are any early account termination fees.

    Our Verdict

    This sometimes gets increased to $300/$400 for Black Friday so I’d recommend just waiting for a bigger offer to return.

    Hat tip to Bockrr

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    William Charles

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  • [CO Only] Air Academy Credit Union $1,000 Business Checking Bonus – Doctor Of Credit

    [CO Only] Air Academy Credit Union $1,000 Business Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $1,000
    • Availability: CO
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Yes
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: $10, six months
    • Household limit: None listed
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Air Academy Credit Union is offering a $1,000 bonus when you complete the following requirements:
      • Open an Interest-Bearing Business Checking or a Free Business Checking account
      • Within 30 days of account opening deposit a balance of $5,000 or $25,000
      • Maintain an average daily balance of $5,000 ($500 bonus) or $25,000 for 60 days ($1,000 bonus)

    The Fine Print

    • To receive the $500 bonus, open an Interest-Bearing Business Checking account or a Free Business Checking account and: (a) deposit $5,000 within the first 30 days; (b) maintain an average daily balance of $5,000 for 60 days. To receive the $1,000 bonus, open an Interest-Bearing Business Checking account or a Free Business Checking account and: (a) deposit $25,000 within the first 30 days; (b) maintain an average daily balance of $25,000 for 60 days. Bonus will be credited into your business checking account within 2 business days after meeting the requirements. Offer valid on business accounts only and limited to 1 account per member. Bonus is considered taxable income. Must mention offer at time of account opening for bonus eligibility. Offer not valid for current Business Checking account holders or members with accounts closed within the past 180 days. Accounts closed within 180 days of account opening will be charged a $10 early closure fee. Cannot be combined with another checking account offer or used for an existing checking account; only one offer per member. Offer subject to change without notice. Restrictions and requirements apply. Must be a business registered in Colorado to qualify.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free business checking has no monthly fees to worry about.

    Early Account Termination Fee

    According to the fee schedule there is an early account termination fee of $10 if closed within six months of account opening.

    Our Verdict

    This works out to be an APY of 24% on the $1,000 bonus. Definitely worth doing although you need to call in to do it. Will add to the best bank account bonuses.

    Hat tip to reader Gadget

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    William Charles

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  • [CO] Credit Union of the Rockies $150 Checking Referral Bonus – Doctor Of Credit

    [CO] Credit Union of the Rockies $150 Checking Referral Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: CO only
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Credit Union of the Rockies

      • Option One –$75 for you, $50 for your friend

        1. Open a new savings and checking account.
        2. Obtain a debit card and complete a minimum of 15 transactions within 90 days of account opening.
        3. $75 will be deposited into your account, and $50 will be deposited into your friend’s account.

      • Option Two – $75 for you, $50 for your friend

        1. Open a new savings account.
        2. Deposit a minimum of $5,000 of new money into a CD.
        3. $75 will be deposited into your account, and $50 will be deposited into your friend’s account.

      • Option Three – $150 for you, $100 for your friend

        1. If your friend completes all the steps mentioned above, they will receive $100, and you will receive $150!

    The Fine Print

    • Existing Member: Membership and account qualifications apply. You are eligible for the $75 reward if your referral: 1) becomes a new member; 2) meets membership and account qualifications; 3) opens a new Credit Union of the Rockies savings and checking account; 4) obtains a Credit Union of the Rockies Visa debit card and completes a minimum of fifteen (15) transactions within the first 90 days of account opening; and 5) keeps the new checking and savings accounts open for at least 90 days OR if they: 1) become a new member; 2) meet membership and account qualifications; 3) open a new Credit Union of the Rockies savings account; 4) deposit a minimum of $5,000 of new money into a Certificate of Deposit; and 5) keep the new savings account open for at least 90 days. You are eligible for the $150 reward if your referral completes all the terms mentioned above. Account must be in good standing. Reward is tax reportable. See a tax professional for tax advice. Please allow 2 business days upon completion of the reward requirements to receive the deposit into your primary Credit Union of the Rockies savings account. Cannot be combined with other offers or used for an existing account. Offer may be modified or withdrawn at any time at Credit Union of the Rockies’ sole discretion. 
    • New Member: Membership and account qualifications apply. The reward is limited to one (1) unique primary account owner of one (1) new Credit Union of the Rockies account. You are eligible for the $50 reward if you: 1) are a new member; 2) meet membership and account qualifications; 3) are the primary owner of the new Credit Union of the Rockies savings and checking account; 4) obtain a Credit Union of the Rockies Visa debit card and complete a minimum of fifteen (15) transactions within the first 90 days of account opening; and 5) keep the new checking and savings accounts open for at least 90 days OR if you: 1) are a new member; 2) meet membership and account qualifications; 3) are the primary owner of the new Credit Union of the Rockies savings account; 4) deposit a minimum of $5,000 of new money into a Certificate of Deposit; and 5) keep the new savings account open for at least 90 days. You are eligible for the $100 reward if you: 1) complete all the terms mentioned above. Account must be in good standing. Reward is tax reportable. See a tax professional for tax advice. Please allow 2 business days upon completion of the reward requirements to receive the deposit into your primary Credit Union of the Rockies savings account. Cannot be combined with other offers or used for an existing checking account. Offer may be modified or withdrawn at any time at Credit Union of the Rockies’ sole discretion.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    In touch checking account has no monthly fees to worry about.

    Early Account Termination Fee

    I was unable to find a fee schedule so unsure if there is any EATF.

    Our Verdict

    Requirements seem easy to meet and obviously a good bonus if you can refer some friends. Feel free to share your referral in the comments below along with whether it’s a hard or soft pull to open.

    Hat tip to reader Gadget

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    William Charles

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  • [CO Only] Air Academy Credit Union $250 Checking Bonus – Doctor Of Credit

    [CO Only] Air Academy Credit Union $250 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: CO only
    • Direct deposit required: Yes, no minimum specified or ACH
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Yes
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: $10, six months
    • Household limit: None listed
    • Expiration date: 12/31/2023

    The Offer

    Direct link to offer

    • Air Academy Credit Union is offering a $250 checking bonus when you open a new checking account and complete the following requirements:
      • Deposit $200
      • Make 1 debit card transaction
      • And have your direct deposit post to your account

    The Fine Print

    • To receive the $250 bonus, open a Cash Rewards Checking account or a Cash Back Rewards Checking account and: (a) deposit $200 (b) post and clear at least one direct deposit and (c) activate your AACU debit Mastercard® and perform one transaction with your debit Mastercard within 45 days of account opening.
    • Bonus will be credited into your rewards checking account within 2 business days after meeting the requirements.
    • Offer valid on personal accounts only and limited to 1 account per member.
    • Bonus is considered taxable income.
    • Must mention offer at time of account opening for bonus eligibility.
    • Offer not valid for current AACU Rewards checking account holders or members with accounts closed within the past 180 days. Accounts closed within 180 days of account opening will be charged a $10 early closure fee.
    • Cannot be combined with another checking account offer or used for an existing checking account.
    • Offer subject to change without notice.
    • Membership requirements apply.
    • Restrictions and requirements apply.
    • Colorado Residents only.
    • Offer valid until 12/31/2023.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Both of the kasasa checking accounts have no monthly fees to worry about.

    Early Account Termination Fee

    According to the fee schedule there is an early account termination fee of $10 if closed within six months of account opening.

    Our Verdict

    There was a $100 bonus in the past, but that required military pay. This is a better bonus anyway. We will add this to our list of the best bank account bonuses.

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    William Charles

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  • [CO, WY, In Branch] Blue Federal Credit Union $400 Checking Bonus – Doctor Of Credit

    [CO, WY, In Branch] Blue Federal Credit Union $400 Checking Bonus – Doctor Of Credit

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    Update 11/17/23: Bonus is now $400 for ‘Blue Friday’ (11/17/23-11/24/23).

    Update 11/23/22: Bonus being increased to $300 for Black Friday (11/25 – 11/28). Hat tip to reader Bockrr

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: CO and WY
    • Direct deposit required: Yes, $500+ within 90 days
    • Additional requirements: Use promo code
    • Hard/soft pull: Soft
    • ChexSystems: Yes. They are also sensitive
    • Credit card funding: Up to $3,000+
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • US Citizen: Yes, must be a permanent citizen to open online
    • Expiration date: November 30, 2022

    The Offer

    Direct link to offer

    • Blue Federal Credit Union is offering a bonus of $200 (and a  BruMate Hopsulator Trio) when you open a new checking account and complete the following requirements:
      • Use promo code GOWB2022
      • Receive a direct deposit within 90 days of account opening (must be $500+ in aggregate)

    The Fine Print

    • Get Outside with Blue: Receive a BruMate Hopsulator Trio plus a $200 account deposit for qualifying new referred memberships.
    • New membership benefit eligible to members who have a minimum $500 aggregate direct deposit per month, credited in the first 90 days of membership and accounts must be maintained in good standing through the qualifying period.
    • Cannot have held a Blue membership within the previous 90 days.
    • New membership accounts will receive the $200 account deposit in the calendar month following the 90th day of membership. Member is responsible for any tax liability.
    • Offer ends November 30, 2022. Subject to change.
    • Offers may not be combined with other, same product offers. Limit one per social security number. BruMate Hopsulator Trio must be picked up in branch only.
    • Limited quantity, available while supplies last.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Basic checking account has no monthly fees.

    They have a  high interest accounts that qualify for this bonus as well:

    Early Account Termination Fee

    Unsure if there are any early account termination fees.

    Our Verdict

    Previously this was available nationwide, but looks like you need to open in branch now and branches are only in CO & WY. If anybody gets online opening to work let me know in the comments. Blue FCU is also exceptionally ChexSystems sensitive, ruling out the bonus for many.  The rule seems to be that if you’ve had more than three new accounts in the last 6 months you’ll be denied.

    Bonus itself is great if you meet the chexsystems requirements and we will add this to the best checking bonuses.

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    William Charles

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