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Tag: credit card funding

  • [NC only] First Flight Credit Union $150 Checking Bonus – Doctor Of Credit

    Update 9/27/25: Bonus is back but only $150. Valid until November 30, 2025. Hat tip to reader Shawntheshawn

    Update 7/25/21: Bonus increased to $250. Hat tip to ShawntheShawn

    Offer at a glance

    The Offer

    Direct link to offer

    • Open a new First Flight Credit Union checking account and receive a bonus of $200 when you do the following:
      • Receive a recurring qualifying direct deposit within 60 days of account opening (minimum of $500 combined each month)

     

    The Fine Print

    • Membership eligibility may be required.
    • Offer applies to new checking accountholders only.
    • In order to receive $200, a qualifying direct deposit must be credited to the checking account within 60 days from account opening.
    • Bonus will be deposited into member’s checking account on the first business day following the month the requirements are met.
    • A qualified direct deposit must be reoccurring from an employer, pension payment, Social Security payment or other government benefit to be deposited electronically each month totaling a combined total of $500 or more to the checking account.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    I wasn’t able to find the fee schedule.

    Basic Checking $3 Monthly Fee

    Waived with either of the following:

    Prestige Checking $20 Monthly Fee

    Waived with combined share balances of $5,000+

    Our Verdict

    Bit annoying that a direct deposit or $5,000 is required to keep the account fee free, probably not worth it to be honest. If anybody does sign up though then please share your experiences in the comments below.

    Useful posts regarding bank bonuses:

    Post history:

    • Update 4/18/20: Bonus has been increased from $100 to $200.

    William Charles

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  • [FL only] Florida Credit Union $300 Checking + $300 CD Bonus – Doctor Of Credit

    Update 9/27/25: Deal is back and there is a $300 CD bonus as well this time. 

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: FL only
    • Direct deposit required: Yes, $500+ within 60 days of opening
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $2,500
    • Monthly fees: None
    • Early account termination fee: $20, six months
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Florida Credit Union is offering a bonus of $300 when you complete the following requirements:
      • Open a free personal full-service checking account and use promo code Use Promo Code 25SUMMERBONUS
      • Make a single or combined direct deposit of $500 within 60 days of opening.
      • Keep account open for at least 90 days.
    • Receive an additional $300 CD bonus:
      • Open and qualify for the $300 checking bonus
      • Then open a new 13-month CD at 4.35% APY3, and
      • Deposit $25,000 or more in new money.
      • Use promo code: 25SUMMERBONUS

     

    The Fine Print

    • Offer can be cancelled at any time.
    • Free membership is open to anyone within Florida Credit Union’s 45 county field of membership 1.
    • Anyone who has held a checking account with FCU in the past year will not qualify for the incentive.
    • Must be 18 years of age or older to qualify for this offer.
    • Credit approval and initial $5 open deposit required.
    • $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening.
    • Your direct deposit needs to be an electronic deposit of your paycheck, pension or, government benefit (such as SSI) from your employer or the government.
    • Person-to-person payments (such as Cash App, Venmo or PayPal) are not considered a direct deposit.
    • If the requirements are met and the account remains open and in good standing for 90 days, the $300 reward will be made available to the member.
    • $300 is considered interest and will be reported on IRS form 1099-INT.
    • Prior terms subject to change.
    • Full-service checking includes direct deposit, Visa debit card, online banking, and eStatements.
    • Interest-Bearing Checking rates accurate as of 4/6/21 and subject to change at anytime.
    • Minimum to earn interest is $10,000 for the Interest-Bearing Checking. APY is Annual Percentage Yield.
    • Interest credited monthly. Fees may reduce earnings.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Both accounts offered have no monthly fee to worry about.

    Early Account Termination Fee

    According to the fee schedule there is a $20 fee if account is closed within 6 months of opening.

    Our Verdict

    Hard pull might make it a no deal for some people, although those matter less and less with how strict card issuers are these days. Given it’s a $300 bonus and the requirements are still relatively easy to meet I’ll be adding this to our list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    Post history:

    • Update 8/13/22: Deal is back for 2022. Hat tip to reader Katie P

    William Charles

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  • [KS & MO only] CommunityAmerica Credit Union $300 Checking Bonus – Doctor Of Credit

    Update 8/31/25: Back until 11/30/2025. There is also a $100 guided investing account bonus and additional $100 when you do both. Hat tip to reader Bockrr

    Update 3/15/25: Extended to 04/15/2025

    Update 2/5/25: Extended to 2/28/2025

    Update 1/1/25: Extended to 1/31/25.

    Update 12/1/24: Extended to 12/31/2024

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability:Must live, work or worship in select MO & KS counties:
      • MO: Clay, Jackson, Platte, St. Louis
      • KS:  Douglas, Jackson, Jefferson, Johnson, Leavenworth, Miamia, Shawnee, Wyandotte
    • Direct deposit required: Yes, two direct deposits that total $2,500+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: At least $1,000
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: 11/30/2024

    The Offer

    Direct link to offer

    • CommunityAmerica Credit Union is offering a $300 bonus when you open a new checking account and complete the following requirements within 90 days of account opening:
      • Use promo code GUIDED500
      • enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App
      • complete two or more direct deposits that total at least $2,500

    The Fine Print

    • To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, through 11/30/2024 (members with existing Cashback Free Checking or Chiefs Checking accounts or with Cashback Free Checking or Chiefs Checking accounts that have closed within the past six months do not qualify), and within 90 days of account opening, (2) enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App, and (3) complete two or more direct deposits that total at least $2,500.
    • The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government.
    • Person to person payments (such as Zelle) are not considered direct deposits.
    • Within 30 days of meeting qualification requirements, your $300 credit will be posted into the primary account owner’s membership savings account.
    • The account must be open and in good standing at the time of payout to qualify for the credit.
    • Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings.
    • Limit one $300 credit per account and per member.
    • Offer subject to change without notice and cannot be combined with any other offer.
    • The credit may be reported as income on IRS Form 1099-MISC.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free checking has no monthly fees to worry about.

    Early Account Termination Fee

    I don’t see any early account termination fee mentioned.

    Our Verdict

    Better than the previous $200 bonus that was offered. Main downside for this bonus is the hard pull, but given how it’s difficult to get too many credit cards now I don’t think number of hard pulls matters as much anymore for most people. We will add this to our list of the best bank account bonuses.

    Hat tip to reader Jesse

    Useful posts regarding bank bonuses:

    William Charles

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  • [CT & Select Counties In NY only] Newtown Savings Bank (NSB) $350 Checking Bonus + $150 Savings Bonus – Doctor Of Credit

    Update 8/23/25: Back until September 30 2025, this time for $350. Hat tip to reader Rodger

    Update 5/3/25: Deal is back until June 30, 2025. Hat tip to reader Avi

    Update 3/8/25: Deal is back until 3/31.

    Update 5/21/24: Deal is back with a new promo code.

    Update 11/12/22: Looks like the direct deposit needs to be recurring.

    Update 10/22/22: Deal is back, now $250 + $150.

    Update 7/10/22: Extended until September 30, 2022.

    Update 10/29/19: Deal is back and valid until November 30th, 2019. Hat tip to reader Kyle.

    Update 8/28/19: Bonus is back and has been increased to $200 (from $150). Expires August 31st, 2019. Hat tip to reader Joe F

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: Accounts are available to residents of the State of Connecticut and residents of Putnam and Westchester county New York only
    • Direct deposit required: Yes, $150-$1,500
    • Additional requirements: Use promo code choice
    • Hard/soft pull: Soft pull
    • ChexSystems: Yes, inquiry sensitive
    • Credit card funding: Up to $1,000 $25
    • Monthly fees: None
    • Early account termination fee: 90 days, bonus forfeit
    • Household limit: One
    • Expiration date: September 29th, 2018 November 30th, 2018 August 31st, 2019 November 30th, 2019

    The Offer

    Direct link to offer

    • Newtown Savings Bank is offering a bonus of $150 when you open a free checking account and complete the following requirements:
      • Use the promo code SUMMER25
      • Receive a direct deposit within 60 days of account opening , $150 minimum
    • Or you can get a $350 offer when you open a Flagship Checking
      • Use the promo code SUMMER25
      • Receive a direct deposit within 60 days of account opening ,$1,500 minimum 
    • You can also get a $50 bonus when you open a statement savings account with a $300 balance or get a $150 bonus when you open a Basic Money Market Savings Account(opens in a new window) with a balance of $20,000

     

    The Fine Print

    • Offer is available for Free Checking Accounts opened by September 29, 2018.
    • Offer amount will be deposited into the respective checking account 60 days after account opening as long as the direct deposit has been made.
    • Maximum $150 per household.
    • Personal checking accounts have a minimum deposit of $25 to open.
    • Other fees may apply such as paper statement and inactivity fees.
    • To be eligible for this offer, all account holders must be new checking account customers.
    • If your checking account is closed within 90 days of opening, the bonus amount will be deducted at closing.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    The free checking account has no monthly fees to worry about. The flagship checking account has a monthly fee that is waived with minimum balance of $2,500.

    Early Account Termination Fee

    Account needs to be kept open for 90 days, otherwise the bonus will be deducted at time of closing

    Our Verdict

    Previous bonuses have been for $100 with $150 available in branch only. Looks like this one can be opened online. The $1,000 in credit card funding makes this offer attractive as well (update: unfortunately limit is now only $25). Definitely worth considering if not doing if you’re eligible. I will be adding this to the list of the best checking account bonuses.

    Big thanks to reader, Brenden F who let us know. Learn how to find bonuses and contribute to the site here.

    Useful posts regarding bank bonuses:

    William Charles

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  • Wings Credit Union $400 Checking Bonus, $200 Savings Bonus – Doctor Of Credit

    Wings Credit Union $400 Checking Bonus, $200 Savings Bonus – Doctor Of Credit

    Update 11/1/24: Deal has been extended until 11/30/24.

    Offer at a glance

    The Offer

    Direct link to offer

    • Wings Credit Union is offering a bonus of $600. Bonus is broken down as follows:
      • $400 when you open a checking account and complete the following requirements:
        • Use promo code OWNIT24
        • Set up recurring direct deposit to your new checking account within 60 days of account opening ($5,000+ for $400 bonus, $3,500+ for 300 bonus, $1,500 for $150 bonus)
        • Sign up for eDocuments and enroll in Wings digital banking
        • Shop with your Wings debit or credit card. Complete 5 debit or credit transactions, each $25 or more
      • $200 bonus when you complete the above requirements and open an additional Wings savings or certificate account within 60 days of membership.
        • Requires $25,000+ at opening
        • Available balance must be $25,000+ on 1/31/25

    The Fine Print

    • General Bonus Requirements:
      1. One offer per person; valid for U.S. residents only. Must be 18 years or older.
      2. Account must be opened between 9/3–10/31/24.
      3. Membership with a Share Savings account and $5 minimum opening deposit required; must be opened at the same time as checking account.
      4. Online applicants must use promo code “OWNIT24” at account opening.
      5. New members and new recipients only:
          a. Cannot have been a previous member (owner of a Primary Share account) of Wings Financial Credit Union within 12 months of promotional account application.
          b. Cannot have previously received a new account bonus.
      6. The maximum amount one member can earn during the promo period is $600, if all requirements are met.
      7. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Consult your tax advisor.
      8. Not applicable to business accounts and accounts established for estates, benefits, trusts or in a fiduciary capacity.
      9. If you do not meet the requirements for this offer, you will not receive the bonus. Disputes regarding promotion requirements must be submitted to Wings Credit Union by 4/7/25 in branch, via phone, or online.
    • Checking Account Bonus Requirements: Complete General Bonus Requirements (above). Each of the following must be completed using the same checking account within 60 days of account opening:
      1. Recurring Qualified Direct Deposit(s) totaling at least $1,500 to earn the $150 bonus, $3,500 to earn the $300 bonus, or $5,000 to earn the $400 bonus.
      a. Note, Direct Deposit must also be active on the Bonus Payout Date. “Qualified Direct Deposit” is an Automated Clearing House (“ACH”) automatic and electronic deposit of your salary, pension, Social Security or other regular income into your Wings account deposited as a Pre-arranged Payment and Deposit (“PPD”) entry. Income earned through self-employment or working an IRS-classified “Gig Economy” job does not qualify as a Qualified Direct Deposit. Other electronic deposits or person-to-person payments are not considered a Qualified Direct Deposit.
      2. Enroll in Wings digital banking.
      3. Enroll in eDocuments.
      a. Note, enrollment in eDocuments must also be active on the Bonus Payout Date.
      4. Complete at least 5 net PIN or signature-based debit card or credit card transactions over $25 each.If requirements are met, Checking Account Bonus will be paid by 1/17/25 (“Bonus Payout Date”) as a deposit to the Wings checking account; account must be in good standing (positive balance for the last 30 days).
    • Savings/Certificate Bonus Requirements:
      1. Complete Checking Account Bonus Requirements (above)
      2. Open a Wings savings account OR certificate account with minimum opening balance of $25,000 within 60 days of membership opening date.
      a. Note, IRA accounts excluded. New deposits only; must be opened in branch or by phone. Must have a minimum available balance of $25,000 on 1/31/25 to earn $200 bonus.If requirements are met, Savings/Certificate Bonus will be paid by 2/7/25 as a deposit to the Wings checking account; account must be in good standing (positive balance for the last 30 days).
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    First class checking account has no monthly fees to worry about.

    Early Account Termination Fee

    I wasn’t able to find an early account termination in the fee schedule

    Referral Bonus

    There is also a $50 referral bonus for both parties. Last time Wings Financial offered a bonus the referral bonus and the main bonus stacked. Do not share your referrals in the comments below, you can share them in this linked posted instead. Some discussion on linking the promotions here.

    Our Verdict

    Previously this was called Wings Financial Credit Union, now called Wings Credit Union. Last time they offered a $300 checking bonus. Keep in mind you’re excluded from doing this bonus if you’ve done a Wings one before unfortunately so that will exclude a lot of readers. The Platinum Plus Savings account earns 4.75% APY when you have $25,000+ and a direct deposit of $300+ so the savings bonus is also worth considering as that’s already competitive with the top high yield rates before taking into account the $200 bonus (you’d need to hold the $25k in there for ~3 months minimum which works out to be 3.2% APY annualized). We will add this to our list of the best bank account bonuses.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [NM] Del Norte Credit Union $300 Checking Bonus – Doctor Of Credit

    [NM] Del Norte Credit Union $300 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Must be New Mexico resident. OOS doesn’t work
    • Direct deposit required: Yes
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up To $105
    • Monthly fees: None
    • Early account termination fee: $5, 3 months
    • Household limit: None listed
    • Expiration date: 12/31/2025

    The Offer

    Direct link to offer

    • Del Norte Credit Union is offering a $300 bonus when you open a new checking account and complete the following requirements:
      • Direct deposit
      • eStatements
      • Register for online banking.

    The Fine Print

    • iSWITCHED offer valid until 12/31/2025.
    • One time $300 reward will be automatically deposited into your account at 90 days from account opening date, as long as requirements are met.
    • One reward per social security number will be paid. $5 minimum deposit is required to open membership.
    • Discounts available on any consumer loan with full payroll deposit and automatic payments on that loan, subject to loan approval and availability.
    • One match per family up to $50 during the first year only for Holiday Savings Club and Youth Savings account.
    • Mortgage appraisal fee discount will be offered one time only. Rewards are subject to IRS reporting.
    • Consult your tax advisor regarding tax obligations.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free 4 me has no monthly fees to worry about.

    Early Account Termination Fee

    There is a $5 fee if closed within 3 months of account opening according to the fee schedule.

    Our Verdict

    Doesn’t look like any minimum for the direct deposit requirement, worth doing if you live in New Mexico I think. Will be added to our best bank bonus page.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [NY] Hudson Valley Federal Credit Union $500 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [NY] Hudson Valley Federal Credit Union $500 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Update 10/12/24: Deal is back, but now for $500. Valid until 12/4/24. Hat tip to reader Alex

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: Must live, work, worship, volunteer, attend school in one of the following counties: Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rennselaer, Rockland, Saratoga, Schenectady, Ulster, and Westchester Counties
    • Direct deposit required: Optional
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $10,000
    • Monthly fees: None
    • Early account termination fee: $20, 90 days
    • Household limit: None
    • Expiration date: 12/31/2023

    The Offer

    Direct link to offer

    • Hudson Valley Federal Credit Union is offering $400 checking bonus. Requirements are as follows:
      • Open a new HVCU Premier or Classic Checking Account with a Visa Debit Card
      • Sign up for Internet Banking & eStatements
      • Spend a minimum of $1,500 with your new Debit Card OR make $1,500 in direct deposits into your new account within the first 90 days

    The Fine Print

    • Terms and Conditions Applicable to $400 Bonus Checking Account Offer, valid from 10/2/2023 to 12/31/2023
    • Account holder has 90 calendar days to meet the requirements to receive bonus. HVCU will deposit the $400 bonus into the account holder’s new checking account within five business days after the completion of the 90 calendar day qualification period, so long as the account holder fulfills each of the following three qualifications:
    • Open a new checking account with HVCU Visa Debit Card (must be requested at time of account opening);
    • Enroll in Internet Banking and/or Mobile Banking services and enroll in e-statements;
    • Use your new HVCU debit card and spend a minimum of $1,500 using the new checking account OR sign up for qualifying direct deposits with a cumulative minimum of $1,500 into your new checking account. A “qualifying direct deposit” is a direct deposit of regular monthly income, such as your salary, pension, or Social Security benefits, which are made by your employer or other payer, using account and routing numbers that you provide to them. Examples of non-qualifying direct deposits and transfers include: your initial ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Internet or Mobile banking transfers or deposits. Offer subject to member verification.
    • Only one bonus of $400 will be paid to the primary checking account owner. This must be your first HVCU checking account to qualify for this bonus. Only Personal Classic and Premier checking accounts are eligible for this offer. Members under the age of 18 are not eligible to receive this bonus. No exceptions will be made or considered. Account must be in good standing and the qualifications satisfied to receive bonus. Good standing means you have on deposit at least the par value of one full share ($0.01) in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. May be subject to IRS reporting; please consult your tax advisor. HVCU expressly reserves the right to terminate this promotion at its discretion at any time and without further notice provided to you.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Classic checking account has no monthly fees to worry about.

    Early Account Termination Fee

    According to the fee schedule there is an early account termination fee of $20 if closed within 90 days of account opening.

    Our Verdict

    Not sure if the credit card funding is still available or not. Previous best was the $750 checking bonus, but that required a direct deposit. Worth doing if you live in an eligible area.

    Hat tip to reader Tikky

    Useful posts regarding bank bonuses:

    William Charles

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  • [CA only] Sacramento Credit Union $200 Checking Bonus – Doctor Of Credit

    [CA only] Sacramento Credit Union $200 Checking Bonus – Doctor Of Credit

    Update 10/12/24: Bonus is back at $200.

    Update 11/29/22: Bonus now $200.

    Update 7/24/21: Available again, no end date listed. Hat tip to reader Pang.

    Update 8/16/20: Deal is back through August 27th with promo code SAVE.

    Offer at a glance

    • Maximum bonus amount: $150 $200
    • Availability: Any and all persons who live or regularly work in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo and Yuba Counties, California, as well as any and all businesses, corporations, and/or other legal entities in the aforementioned counties
    • Direct deposit required: Yes, no minimum specified
    • Additional requirements: None
    • Hard/soft pull:  Soft, report of hard pull
    • ChexSystems: Unknown
    • Credit card funding: Yes, up to $500
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None listed
    • Expiration date: August 24th, 2018 August 27, 2020 December 31, 2024

    The Offer

    Direct link to offer

    • Open a new Sacramento Credit Union free checking account and receive a bonus of $200 when you receive a direct deposit within 60 days of account opening.

     

    The Fine Print

    • Existing Sacramento Credit Union checking account holders are ineligible for the $200 bonus. Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening.
    • A $200 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening.
    • Bonus is considered interest and will be reported on IRS form 1099-INT.
    • Offer valid through December 31, 2024.

    Avoiding Fees

    You need to pay a $5 fee to join.

    Monthly Fees

    The free checking account required has no monthly fees to worry about

    Early Account Termination Fee

    I wasn’t able to find a fee schedule so I’m unsure if there is any early account termination fee.

    Our Verdict

    Not a huge bonus, but better than the previous $100 deal they have had. The small amount of credit card funding and the fact that there is no monthly fees to worry about is nice. I’ll be adding this to our list of the best checking account bonuses.

    Big thanks to reader, EW who let us know. Learn how to find bonuses and contribute to the site here.

    Useful posts regarding bank bonuses:

    William Charles

    Source link

  • [AZ only] VantageWest Credit Union $300 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [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.

    Useful posts regarding bank bonuses:

    William Charles

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  • U.S. Bank $400/$900 Business Checking Bonus – Doctor Of Credit

    U.S. Bank $400/$900 Business Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $900
    • Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
    • Direct deposit required: None
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Mixed data points
    • Credit card funding: Can fund up to $3,000 with a credit card
    • Monthly fees: None with paperless statements
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: January 15, 2025

    The Offer

    Direct link to offer

    • U.S. Bank is offering a bonus of up to $900 when you open a new business checking account when you use promo code Q4AFL24. 
      • Earn $900 when you open a Platinum Business Checking Account package
        • Deposit at least $30,000 in new money within 30 days of account opening
        • Maintain at least that balance for 60 days after opening the account
      • Earn $400 when you open a Silver Business Checking Account package
        • Deposit at least $5,000 in new money within 30 days of account opening (Silver or Business Essentials)
        • Maintain at least that balance for 60 days after opening the account

    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

    • Silver account has no monthly fees to worry about as long as you opt in for paperless statements.
    • Platinum account has a $30 monthly fee, this is waived if you
      •  An active U.S. Bank Payment Solutions Merchant Account or
      • $25,000 average collected checking balance $75,000 combined average collected business deposits and outstanding business credit balances

    Early Account Termination Fee

    There is no early account termination fee to worry about

    Our Verdict

    Previously there was a $800 business checking bonus with the same requirements as the current $900 bonus but it only required a silver account which is much easier to keep fee free. Because of that I think the old $800 bonus is actually better. That being said the new $400 bonus is the exact same requirements as the old $300 bonus with the same account needing to be opened so that is an improvement and worth doing. Given the churn period is now only 12 months I do think the $400 bonus is worth doing and we will add it to our best business bank bonus page.

    Hat tip to reader Jack

    Useful posts regarding bank bonuses:

    William Charles

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  • [MO, KS only] Hawthorn Bank $300 Checking Bonus – Doctor Of Credit

    [MO, KS only] Hawthorn Bank $300 Checking Bonus – Doctor Of Credit

    Update 9/29/24: Deal is back and valid until December 31, 2024.

    Update 1/31/23: Deal is back and valid until December 31, 2023. Hat tip to reader Gadget

    Offer at a glance

    The Offer

    Direct link to offer

    • Hawthorn Bank is offering a $300 bonus when you open a new checking account and complete the following requirements:
      • Use promo code 2024Cash300
      • Set up at least two direct deposits totaling $500 or more to your new account within the first 90 days of account opening

    The Fine Print

    • Offer is not available to existing Hawthorn Bank checking customers.
    • To receive the bonus: 1) Open a new qualifying checking account, which is subject to approval; AND 2) Have two or more direct deposits totaling at least $500 made to this account within 90 days of account opening.
    • Deposit accounts must be opened by December 31, 2022 when offer expires.
    • Qualifying personal checking accounts include any Hawthorn Bank checking account except Opportunity Checking and Opportunity First Step Checking. Checking accounts may be opened with a $25 deposit. Qualifying savings accounts include Personal Savings, More Savings or Vacation Savings Accounts. Qualifying savings accounts must be opened within 60 days after the new checking account is opened in order to qualify for the $25 bonus.
    • After the full 90-day qualification period, qualifying customers will receive a direct deposit of $300 (and an additional $25, for those who opened and maintain a savings account in good standing) to their checking account within 2-6 weeks of the qualifying period end date. Please mention this offer or use the offer code CASH300 in order to receive this incentive. Offer expires December 31, 2022.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    They offer a free checking account (this does have a $3 fee if you don’t opt in for paperless statements( and also an account that offers 3.01% APY.

    Early Account Termination Fee

    $25 fee is charged if the account is closed within 30 days of opening according to the fee schedule.

    Our Verdict

    There is a $150 business referral bonus as well. Requirements for this bonus are easy to meet and there is some nice credit card funding as well. Will add this to our best checking bonuses.

    Hat tip to reader Curm

    Useful posts regarding bank bonuses:

    William Charles

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  • [CA & TX only] Premier America Credit Union $100 Checking Bonus – Doctor Of Credit

    [CA & TX only] Premier America Credit Union $100 Checking Bonus – Doctor Of Credit

    Update 9/28/24: Now requires a Premier Plus checking account. This has no monthly fee. Hat tip to reader snailrock

    Offer at a glance

    • Maximum bonus amount: $100 for both parties
    • Availability: Locations in California & Texas [Branch locator]. In branch only (maybe not)
    • Direct deposit required: Yes, $200+
    • Additional requirements: See below
    • Hard/soft pull: Soft (make sure you opt out of overdraft protection)
    • ChexSystems: Unknown
    • Credit card funding: Yes, varies by product (at least $500)
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit:  None mentioned
    • Expiration date: December 31, 2021

    The Offer

    Direct link to offer

    • Premier America Credit Union is currently offering a $100 checking bonus when you open a new checking account and receive a direct deposit of $200 or more

    The Fine Print

    • $100 Head Start Savings Bonus is a promotional offer available 09/07/21 – 12/31/21.
    • Monthly ACH Direct Deposit (minimum $200) must be added to account in first 45-days from account opening to qualify. Offer subject to change or end without notice.
    • A deposit of $5 into a Smart Savings account is required to join Premier America Credit Union.
    • For businesses, a deposit of $250 into a Business Savings account is required to join Premier America Credit Union. Federally Insured by NCUA.
    • 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 an early account termination fee in their fee schedule.

    Our Verdict

    Previously they offered a $100 referral bonus for both parties, but that didn’t require a direct deposit. That was a great offer, but hasn’t been back since 2018. Because of that I think if you’re interested in this offer I think it’s worth doing. We will add this to our list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [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

    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

    Useful posts regarding bank bonuses:

    William Charles

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  • [Northeastern PA only] Fidelity Bank $525 Checking Bonus – Doctor Of Credit

    [Northeastern PA only] Fidelity Bank $525 Checking Bonus – Doctor Of Credit

    Update 8/25/25: Deal is back active at $525. Hat tip to reader Gorb

    Update 1/15/22: Deal is back, now $525.

    Update 9/19/20: Deal is back, no end date listed. There is now a savings requirement as well. Hat tip to Gadget.

    Update 4/20/20: Bonus increased to $500. Direct deposit required increased from $2,500 to $3,000 per month. eSatement and debit card transactions also added. Hat tip to reader Yo

    Offer at a glance

    The Offer

    Direct link to offer

    • Fidelity Bank is offering a bonus of $200 when you open a new checking account and complete the following requirements within 150 days of account opening:
      • Set up your account with direct deposits or recurring credits of $2,500 per month for three consecutive months
      • client is enrolled in EZ Statements and
      • 15 point-of-sale debit card transactions per month are completed
    • Use your Fidelity Visa® Debit Card at qualifying merchants an additional 60 times over a 3 consecutive month period and earn $100
    • Open a new Fidelity Bank savings account at the same time with a minimum of $15,000 and earn an additional $200.
    • Open your new Fidelity Bank checking account online and earn $25

    The Fine Print

    • Offer valid for new personal checking account customers only.
    • A $500.00 deposit will be made into your Fidelity Bank checking account when direct deposits or recurring credits of $3,000.00 per month are received for a minimum of three (3) consecutive months.
    • Requirement must be satisfied within one hundred and fifty (150) calendar days of account opening.
    • Deposit will be made on the first (1st) business day after one hundred and fifty (150) calendar days from account opening.
    • Minimum deposit to open a checking account may range between $25.00 and $1,000.00, minimum balance requirements and monthly service charges depend on which checking account is chosen.
    • Please consult your Fidelity Banker for specific product information. Minimum balance requirements and fees may reduce earnings.
    • The annual percentage yield (APY) for Performance Checking or Platinum Checking accounts is 0.05% if balance requirement of $2,500.00 is met. APY is current as of May 20, 2019 and may be rescinded or changed at any time.
    • Rates are variable and may change at any time.
    • Bonus will be reported on IRS Form 1099-Misc.
    • Cannot be combined with any other offer.
    • Customers may only receive one new checking account and savings account opening-related bonus per calendar year.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Reliance Checking $7 Monthly Fee

    This account is the easiest to keep fee free, the $7 monthly charged is waived if you do any of the following:

    • $1500 average daily balance OR
    • $400 aggregated monthly direct deposit
    • or ten (10) signature based Fidelity Visa® Check Card transactions

    Early Account Termination Fee

    There is a fee if closed within 180 days, but I’m unsure what this fee is.

    Our Verdict

    Previous best bonus was $200, that required a savings account but lower direct deposit/recurring credit. This new bonus is significantly better because the bonus is $400 and the direct deposit/recurring credit isn’t that difficult to meet. Because of that we will be adding this to our list of the best bank bonuses.

    Hat tip to reader Jeff L

    Useful posts regarding bank bonuses:

    William Charles

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  • [CA only] SAFE Credit Union $500 Checking Bonus – Doctor Of Credit

    [CA only] SAFE Credit Union $500 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: If you live or work in our geographic reach, we want YOU with us. Geographic Reach: Sacramento, Placer, El Dorado, Yolo, San Joaquin, Contra Costa, Solano, Yuba, Sutter, Butte, Nevada, Alameda, and Amador Counties.
    • Direct deposit required: Yes, $1,000+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull (report of soft pull)
    • ChexSystems: Unknown, sensitive
    • Credit card funding: Up to $250
    • Monthly fees: $5, avoidable
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: None

    The Offer

    Direct link to offer

    • Safe Credit Union is offering a bonus of $500 when you open a new Perfect Cents Checking and complete the following requirements within 60 days:
      • enroll in eStatements
      • receive $1,000+ in direct deposits
      • complete 30 debit card purchase transactions.
    • Open a Level Up Money Market account and earn $50. Within 30 days of account opening, have a minimum of $5,000 in your account.

    The Fine Print

    • You can’t have a current or recently closed (past 12 months) SAFE checking account.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    To avoid the $5 monthly service fee, you must be enrolled in eStatements and you must have a minimum of 10 or more debit (and/or credit) card purchase transactions post each month or direct deposits totaling $500 or more per month.

    Early Account Termination Fee

    I wasn’t able to find any early account termination fee in the fee schedule.

    Our Verdict

    Better than the $400 bonus that was previously offered. Hopefully it’s a soft pull now but even if it’s a hard pull I think it’s worth doing and will add it to the best bank bonuses.

    Hat tip to reader Ryan H

    Useful posts regarding bank bonuses:

    William Charles

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  • [AZ] Pima Federal Credit Union $200 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [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.

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    William Charles

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  • U.S. Bank $450 + $100 Checking Bonus (Anti Churning Language Now 12 Months Instead Of 24) – Doctor Of Credit

    U.S. Bank $450 + $100 Checking Bonus (Anti Churning Language Now 12 Months Instead Of 24) – Doctor Of Credit

    Update 7/17/24: Anti churning language is now 12 months instead of 24. Hopefully this is a permanent change going forward.

    Note: You can also get another $88-$100+ via  portal.

    Offer at a glance

    • Maximum bonus amount: $450 + $100
    • Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
    • Direct deposit required: Yes
    • Additional requirements: None
    • Hard/soft pull: Soft
    • ChexSystems: Mixed data points
    • Credit card funding: Can fund up to $250 with a credit card
    • Monthly fees: $6.95, avoidable
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: September 26, 2024

    The Offer

    Direct link to offer

    • U.S. Bank is offering a $450 bonus when you open a new Smartly checking account when you use promo code 2024JUL.Requirements are as follows:
      • Checking bonus:
        • Earn $250 when the combined total of your direct deposits is between $2,000 and $4,999.99
        • Earn $350 when the combined total of your direct deposits is between $5,000 and $7,999.99.
        • Earn $450 when the combined total of your direct deposits is $8,000 or more.

    The Fine Print

    • U.S. Bank Smartly® Checking bonus: To be eligible, you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months.
    • You must also use the promo code 2024JUL at account opening. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 either online, in a branch or over the phone from July 9, 2024 through and including September 26, 2024.
    • Additionally, you must enroll in the U.S. Bank Mobile App or online banking within 90 days of opening your account.
    • You must also complete two or more direct deposits within 90 days of opening your account that total: $2,000 to $4,999.99 to earn the $250 bonus, $5,000 to $7,999.99 to earn the $350 bonus, or $8,000 or more to earn the $450 bonus.
    • A direct deposit is an electronic deposit of your paycheck made through the Automated Clearing House (ACH) network or an electronic deposit of your government benefits, such as Social Security, from your employer or the government.
    • Other electronic deposits or person-to-person payments are not considered a direct deposit. Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements.
    • Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    U.S. Bank Smartly has a $6.95 monthly fee, this is waived if you do any of the following:

    • Have combined monthly direct deposits totaling $1,000 or more
    • Keep a minimum average account balance of $1,500 or more
    • Hold an eligible U.S. Bank credit card
    • Qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle)
    • Be a military member (requires self disclosure)
    • Be under the age of 24 or over the age of 65

    Early Account Termination Fee

    There is no early account termination fee to worry about

    Our Verdict

    Not as good as the recent $500 bonus unfortunately. That being said this bonus is churnable (can’t have had an account within the past 12 months) meaning it’s probably worth resetting that clock as soon as possible rather than waiting for a marginally bigger bonus to potentially return. Because of that we will add this to our list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    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

    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

    Useful posts regarding bank bonuses:

    William Charles

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  • [KY] University of Kentucky Federal Credit Union $200 Checking Bonus – Doctor Of Credit

    [KY] University of Kentucky Federal Credit Union $200 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: KY
    • Direct deposit required: 3 totaling $3,000+
    • Additional requirements: Use promo code
    • Hard/soft pull: Unknown 
    • ChexSystems: Unknown
    • Credit card funding: Up to $5,000
    • Monthly fees:
    • Early account termination fee: Unknown
    • Household limit: None listed
    • Expiration date: 12/31/24

    The Offer

    Direct link to offer

    • University of Kentucky Federal Credit Union is offering a $200 bonus when you open a new checking account and complete the following requirements:
      • Receive three Direct Deposits totaling $3,000 or more within 95 days
      • Use promo code 200Better

    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

    ukfcu checking account has no monthly fees to worry about.

    Early Account Termination Fee

    I wasn’t able to find any EATF in the fee schedule.

    Our Verdict

    Seems to be a small service area, unfortunately applying through ACCC doesn’t help with out of state applications.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [DE, MD, NJ, PA] Firstrust Bank $300 – $450 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [DE, MD, NJ, PA] Firstrust Bank $300 – $450 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $450
    • Availability: Must be a resident of DE, MD, NJ, PA
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding:  Can fund at least $1,000 with a credit card
    • Monthly fees: Yes, $10 or $25 monthly fee (avoidable)
    • Early account termination fee: $25, 1 year
    • Household limit: One
    • Expiration date: 12/31/2024

    The Offer

    Direct link to offer

    • Firstrust Bank is offering up to 50,000 points when you open a new checking account. Bonuses are as follows:
      • Open a Eagles FirstPaySM Checking and earn 35,000 points when you spend $350 within 60 days
      • Open a Eagles FirstPaySM Premier Checking and earn 50,000 points when you spend $500 within 60 days

    The Fine Print

    • Limit 1 bonus reward points offer per household. Bonus points may be redeemed for gift cards, merchandise, or travel.
    • Bonus will be provided 60 days after completion of the spend requirement.
    • Points will not be earned for ATM or other cash withdrawals, for transferring funds, Bill Pay transactions, or for transactions using third-party money transmission service providers. Points can be redeemed through scorecardrewards.com.
    • Reward points have no cash value. Other terms and conditions apply, see Program Rules for complete details. Offer can be withdrawn at any time without notice.
    • New Eagles FirstPaySM checking customers can earn 35,000 bonus points. Eagles FirstPaySM customers will become eligible for the bonus points by making debit card purchases totaling $350 or more within 60 days of new account opening. Official Bonus Point Program Rules – FirstPaySM Debit Card
    • New Eagles FirstPaySM Premier checking customers can earn 50,000 bonus points. Eagles FirstPaySM Premier customers will become eligible for the bonus points by making debit card purchases totaling $500 or more within 60 days of new account opening. ‍Official Bonus Point Program Rules – FirstPaySM Premier Debit Card
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    FirstPay Checking Account

    To avoid monthly maintenance fee ($10), account is required to have one of the following each month: $500 minimum daily balance, monthly direct deposit, 10 debit card purchases or 5 online bill payments.

    FirstPay Premier Checking

    To avoid monthly maintenance fee ($25), account is required to have one of the following maintain $5,000 combined balance in deposits accounts or have $50,000 in consumer loans and lines of credit balances.

    Early Account Termination Fee

    There is an early account termination fee of $25 if closed within a year.

    Our Verdict

    The points system is a bit annoying but the some redemptions are:

    • 12,400 points = $100 cash back via ACH
    • 10,800 points = $100 gift card to Amazon, Walmart, Target, Home Depot, Cabela’s Best Buy, Sephora
    • 3600 points = $25 cash back via ACH
    • 6500 points = $50 cash back via ACH
    • 9500 points = $75 cash back via ACH
    • 5500 points = $50 gift card to Amazon, Home Depot, Darden Restaurants, Best Buy, etc…
    • 3200 points = $25 gift card to Apple
    • 2700 points = $25 gift card to Barnes & Noble

    So the 35,000 point bonus is basically 3 x $100 gift cards and the 50,000 point bonus is 4 x $100 gift cards and a $50 ACH. Even though the points are annoying this is better than when it’s an all cash bonus and very much doing doing as no direct deposit is required. Will add this to our list of the best bank account bonuses.

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    William Charles

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