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Tag: credit card funding

  • [OR, WA only] Columbia Credit Union $100 Referral Checking Bonus + $300 Bonus – Doctor Of Credit

    [OR, WA only] Columbia Credit Union $100 Referral Checking Bonus + $300 Bonus – Doctor Of Credit

    Update 6/25/24: There is also a $300 bonus, should be able to stack. Requirements are as follows:

    • Complete 15 purchases using your Columbia CU debit or credit card
    • Have direct deposit of at least $500
    • Be enrolled in e-Statements

    Hat tip to Robyn

    Update 1/20/24: Bonus is back, $100 again but it’s a referral so both parties can get $100. Feel free to share referrals in the comments below. Hat tip to Chuck K

    Update 7/4/22: Bonus is back and now $170 instead of $100.

    Offer at a glance

    • Maximum bonus amount: $170
    • Availability: Must Live or work in Washington State or the Oregon community of Clackamas, Marion, Multnomah or Washington Counties [Branch locator]
    • Direct deposit required:  Yes, $500+
    • Additional requirements: eStatements and 15 debit card purchases
    • Hard/soft pull: Soft. Now a report of a hard pull. Seems to be soft in branch and hard online.
    • ChexSystems: Unknown
    • Credit card funding: Fund up to $500 with a credit card per account
    • Monthly fees: None
    • Early account termination fee: None listed
    • Household limit: None listed
    • Expiration date: November 11, 2021 July 31, 2022

    The Offer

    Direct link to offer

    • Columbia Credit Union is offering a bonus of $170 when you open a new income checking account and complete the following requirements:
      • Enroll in eStatements
      • Make a direct deposit of at least $500
      • Make at least 15 purchases using a combination of your Columbia CU debit card and Columbia credit card in December

     

    The Fine Print

    • You must open a new Columbia Credit Union Income Checking account between October 1, 2021 and November 11, 2021, and enroll in e-statements, make at least ONE Columbia Credit Union direct deposit of $500 or more, and make at least 15 purchases using a combination of your Columbia CU debit card and Columbia CU credit card during December 2021, to receive $100.
    • Visit www.columbiacu.org or a Columbia Credit Union branch for complete account information.
    • Direct deposit transactions are limited to: payroll, Social Security, pension and government benefits. Fiduciary and business accounts are excluded from promotion eligibility.
    • Limit one payment per individual per household.
    • Offer not available to individuals who have had a Columbia Credit Union checking account in the last 12 months.
    • Accounts overdrawn or closed at the time of payment are not eligible.
    • The payment will be deposited into your checking account by February 15, 2022, after meeting eligibility requirements and the value of your payment 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 an early account termination fee in the fee schedule

    Our Verdict

    Previously there was a $250 checking bonus. Personally I’d recommend waiting for a bigger bonus to return as this offer is so much worse and hardly worth doing. We won’t add this to the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [OK & TX only] First United Bank $250 Checking Bonus – Doctor Of Credit

    [OK & TX only] First United Bank $250 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $100
    • Availability: Oklahoma & Texas only
    • Direct deposit required: Yes, no minimum specified
    • Additional requirements: eStatements & 10 debit card transactions
    • Hard/soft pull: Soft 
    • ChexSystems: Yes
    • Credit card funding: Yes, up to $500. Visa, Mastercard & Discover accepted.
    • Monthly fees: Avoidable
    • Early account termination fee: $10, 60 days
    • Household limit: One every two years
    • Expiration date: None listed but must be done by August 1, 2024

    The Offer

    Direct link to offer

    • First United Bank is offering a checking bonus of $250 when you use the promo code 250F24 and complete the following requirements:
      • Make Direct Deposits into the account by one or more deposits that, in the aggregate, are equal to or greater than $1,000 during at least one statement cycle during the first 90 days of the account opening

    The Fine Print

    • To qualify for the special offer, you must open a First United Bank Basic Checking Account, which is subject to approval
    • You must also make Direct Deposits into the account by one or more deposits that, in the aggregate, are equal to or greater than $1,000 during at least one statement cycle during the first 90 days of the account opening.
    • Direct deposit is the deposit of funds electronically into a bank account rather than through a physical paper check.
    • Qualifying direct deposits are deposits of regular monthly income via ACH deposit (such as your salary, pension, or Government benefits).
    • Non-qualifying direct deposits are ACH deposits such as check deposits, Peer to Peer (P2P) transfers (PayPal, Venmo, etc.) or other ACH transfers that are not from employers or payroll providers.
    • Offer applies to only one checking account per individual and is only valid for individual located in Texas or Oklahoma.
    • Offer not available to existing First United Bank checking customers or those who have closed a checking account within the last 180 days.
    • First United Bank Employees and family members are not eligible for offer.
    • All bonuses will be paid to qualified customers no later than August 1, 2024. 1099 reporting may apply, please consult your tax adviser.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Prestige checking has a $7.50 monthly fee, this is waived with a $1,000 balance.

    Early Account Termination Fee

    According to this comment it is $10 if closed within 60 days.

    Our Verdict

    Much better than the previous $100 bonus that was offered. Worth doing if you live in the target area. We will add  this to our list of the best bank account bonuses by clicking here.

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

    William Charles

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  • [LA, NY, SC, TX, TN, AR, MS, AL, GA, KY, FL, NC & VA] First Horizon Bank $400/$800 Business Checking Bonus – Doctor Of Credit

    [LA, NY, SC, TX, TN, AR, MS, AL, GA, KY, FL, NC & VA] First Horizon Bank $400/$800 Business Checking Bonus – Doctor Of Credit

    Note: Terms state ‘Offer is only available to the addressee of the offer, is non-transferable, may not be combined with other offers’. You also have to request a code by filling in your information so should be able to get this bonus even if not targeted but YMMV.

    Offer at a glance

    • Maximum bonus amount: $800
    • Availability: Offer is only available to residents of LA, NY, SC, TX, TN, AR, MS, AL, GA, KY, FL, NC and parts of VA
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown, sensitive
    • Credit card funding: Up to $50
    • Monthly fees: None
    • Early account termination fee: Six months, bonus forfeit
    • Household limit: None
    • Expiration date: 06/30/2024

    The Offer

    Direct link to offer

    • First Horizon Bank is offering a bonus of $400 or $800 when you open a new business checking account.
      • $800 bonus:
        • Deposit $25,000 into the new BizEssentials Checking account within 15 days of the account opening.
        • Maintain at least a $25,000 collected daily balance for the first 3 full statement cycles.
        • Conduct 20 qualifying transactions within the first 3 full statement cycles.
      • $400 bonus:
        • Deposit $5,000 into the new BizEssentials Checking account within 15 days of the account opening.
        • Maintain at least a $5,000 collected daily balance for the first 3 full statement cycles.
        • Conduct 20 qualifying transactions within the first 3 full statement cycles.

    The Fine Print

    • Offer is only available to the addressee of the offer, is non-transferable, may not be combined with other offers, and is only available for new clients that have not had an account at First Horizon within the last 12 months. Opening deposit must be funds from a financial institution other than First Horizon Bank or its affiliates. Limit one bonus per company.

       

    • To qualify for the $400 bonus, open a new BizEssentials Checking, BizEssentials Plus Checking, or BizEssentials Interest Checking account by 06/30/2024, deposit at least $5,000 within fifteen (15) days of account opening and maintain an average daily collected balance of $5,000 for the first three (3) full statement cycles and conduct a minimum of twenty (20) qualifying client-initiated transactions within the first three full statement cycles in the eligible First Horizon Bank checking account.

       

    • To qualify for the $800 bonus, open a new BizEssentials Checking, BizEssentials Plus Checking, or BizEssentials Interest Checking account by 06/30/2024, deposit at least $25,000 within fifteen (15) days of account opening and maintain an average daily collected balance of $25,000 for the first three (3) full statement cycles and conduct a minimum of twenty (20) qualifying client-initiated transactions within the first three full statement cycles in the eligible First Horizon Bank checking account.

       

    • BizEssentials Checking, BizEssentials Plus Checking, or BizEssentials Interest Checking accounts require a $100 minimum opening deposit. A qualifying client-initiated transaction may include deposits, checks paid, ACH items, and signature and PIN-based purchases made with a First Horizon Debit Card. The cash bonus will be deposited into your account within 10 business days after qualifying activities are met. Bonus will only be paid to open accounts with a positive balance. Other terms and conditions of your account are disclosed in your depositor agreement Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. Offer and account opening subject to bank approval.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    BizEssentials Checking account has no monthly fees to worry about.

    Early Account Termination Fee

    Previous terms say account need to be kept open for six months, but I don’t see that in the terms this time.

    Our Verdict

    Need to lock up funds for ~90 days, this works out to be an annualized return of:

    • $400 bonus: 32%
    • $800 bonus: 12.8%

    Both offers are great. Best previous offer was for $300 but that had no hold period, still think this is a better bonus for most people. There is also a personal checking bonus for $450 that is worth doing. We will add this to the list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [PA] Citadel Bank – $300 Checking Bonus – Doctor Of Credit

    [PA] Citadel Bank – $300 Checking Bonus – Doctor Of Credit

    4/20/24: Deal is back until December 31, 2024

    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: Must live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA or if  a member of your family or household is already a customer, no matter where you live.
    • Direct deposit required: $500+
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Unknown, sensitive
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee:
    • Household limit: One per lifetime
    • Expiration date: July 21st, 2018 September 15th, 2018 None listed March 16th, 2020 January 8, 2022

    The Offer

    Direct link to offer

    • Citadel Bank is offering a bonus of up to $300 when you open a new checking. Bonus is broken down as follows:
      • Receive $300 when you receive a direct deposit of $500 or more within 60 days of account opening. Use promo code BONUSFB2024
      • Receive $100 when you open a Citadel High Yield Savings account (minimum balance of $10,000, also must be maintained for 30 days ) or Citadel credit card (minimum credit limit of $1,000)

     

    The Fine Print

    • All standard account requirements apply.
    • The Cash Bonus offer may not be combined with any other offer. Offer available to new checking customers only.
    • Customer must not have closed a Citadel checking account within the last 12 months and/or received a checking sign-up bonus or award previously.
    • Limit one offer per household per lifetime.
    • To qualify for $300 Cash Bonus, a direct deposit of $500 or more must post to new checking account within 60 days of account opening. Direct deposit transactions are limited to payroll, social security, and government benefits.
    • For the additional $100 Cash Bonus, checking Cash Bonus offer requirements must be met, and customer must open any Citadel credit card with a limit of at least $1,000 and/or open a Citadel High Yield Savings account.
    • Minimum balance required to open Citadel High Yield Savings – $10,000.
    • Minimum balance must be maintained in the High Yield Savings account for at least 30 days after account opening in order to receive the additional $100 bonus.
    • Limit one additional $100 Cash Bonus per account.
    • To receive Cash Bonus(es), customer must contact Citadel by calling (877) 780-1615 or visiting a branch after completing requirements for each bonus.
    • Checking account must be open for 60 days before Cash Bonus is awarded.
    • Cash Bonus will be awarded after sixty days, once Citadel confirms the requirements have been met.
    • Account must be in good standing at time of incentive processing in order to receive Cash Bonus.
    • Cash Bonus must be requested within 60 days of meeting the promotion requirements.
    • Cash bonus may be reported on a 1099-INT.
    • Offer expires July 21, 2018.
    • This limited time offer may be withdrawn or changed at any time.

    Avoiding Fees

    Monthly Fees

    They offer a free checking account with no monthly fees to worry about.

    Early Account Termination Fee

    Citadel bank does not charge any early account termination fees from what we could find.

    Our Verdict

    Opening a credit card will almost certainly result in a hard pull, so that isn’t worth doing. The high yield savings account earns 1.5% APY, so it isn’t worth keeping long term but it might make sense to open and keep funds in there for 30 days to trigger the $100 bonus. Previously they had a $250 checking bonus with no direct deposit requirement. Personally I’d take $50 less to not have to deal with the direct deposit requirement, but no gaurantees that bonus comes back and some people might prefer the extra $50. I do think this is worth doing if you live in an eligible area, so I’ll be adding this to our list of the best checking bonuses.

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

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    Post history:

    • Update 2/3/24: Deal is back but $300 this time. Valid until JAN243008. Valid until March 12, 2024
    • Update 6/28/23: New link for $325.
    • Update 3/15/23: Extended until December 31, 2023
    • Update 1/12/23: Extended until March 14, 2023. 
    • Update 4/17/22: Deal is back and valid until December 31, 2022. Hat tip to alopez14
    • Update 1/13/22: Deal is back and valid until March 31, 2022. Hat tip to reader Jim
    • Update 11/14/21: Deal is back and valid until 1/8/22.
    • Update 2/2/20: Deal is back, but this time the $100 savings bonus not available.
    • Update 09/16/18: As far as I can see, there is no end date listed anymore.
    • Update 08/26/18: Deal is back and valid until September 15th, 2018. Hat tip to reader Tyler.

    William Charles

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  • [NH, FL, MA, RI, CT, DE, NY, NJ, or PA, In Branch] Santander $500 Business Checking Bonus – Doctor Of Credit

    [NH, FL, MA, RI, CT, DE, NY, NJ, or PA, In Branch] Santander $500 Business Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: NH, FL, MA, RI, CT, DE, NY, NJ, or PA, In Branch
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Yes
    • Credit card funding: Up to $500 (not sure if possible in branch and if it is, likely to be a cash advance)
    • Monthly fees: $15, avoidable
    • Early account termination fee: $25, 90 days
    • Household limit: None
    • Expiration date: 7/30/24.

    The Offer

    Direct link to offer

    • Santander Bank is offering a bonus of $500 when you open a new checking account and complete the following requirements:
      • Use promo code BUS500Q124SEA
      • Maintain an average daily balance of $2,500

    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

    Business checking has a $15 monthly fee.

    • Maintain $5,000 average daily balance in the checking account OR
    • Maintain $10,000 in combined business deposit account balances with same ownership5 OR
    • Have 3 or more purchases using a Santander® Business Debit Mastercard® post into your account OR
    • Receive one or more Santander Merchant Services payments in your account3 OR
    • Incur $50 or more in cash management service fees4.

    Early Account Termination Fee

    $25 if closed within 90 days

    Our Verdict

    Better than the previous $550 bonus as it’s easier to trigger the bonus. Downside to this is that it needs to be opened in branch. Still very much worth doing if you have a business and live in an eligible state so we will add this to our list of the best checking bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [MA & CT only] PeoplesBank (Bankatpeoples) $300 Checking Bonus – Doctor Of Credit

    [MA & CT only] PeoplesBank (Bankatpeoples) $300 Checking Bonus – Doctor Of Credit

    Update 3/30/24: Deal is back and valid until 5/5/24. Requires a direct deposit now so not worth considering. Hat tip to reader ShawntheShawn

    Update 11/4/23: Good through 11/8/23.

    Update 8/7/23: Deal is back and valid until 9/13/2023.

    Update 10/8/22: Deal is back and valid until 10/21/2022. Has also been increased to $350 from $250.

    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: Offer available only to residents of Hampden/Hampshire/Franklin counties in Massachusetts and Hartford county in Connecticut
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: $500 per application
    • Monthly fees: None
    • Early account termination fee: 90 days, $15
    • Household limit: One
    • Expiration date: September 30th, 2020 10/21/2022

    The Offer

    Direct link to offer

    • PeoplesBank is offering a checking bonus of $300 when you open a new PeoplesBank checking account using promo code Simple300 and complete the following requirements:
      • Have a minimum of $1,500 in direct deposits within 60 days of the account open dat
    • Get an additional $150 with a $10,000 minimum daily balance or $300 with a $25,000 minimum daily balance (must remain for 90 days).

     

     

    The Fine Print

    • Customers who have received promotional payouts previously are not eligible. Cannot be combined with any other offer. Offer available in Hampden/Hampshire/Franklin counties of Massachusetts and Hartford/Tolland counties in Connecticut.
    • Minimum opening deposit of $10 required. The Free Checking account must be opened online at bankatpeoples.com/checking250 with the promotion code of Get250 by 9/30/2020.
    • To qualify for the offer you must perform 30 point of sale (POS) debit card transactions and have a minimum of $2,000 in aggregate of mobile deposits and/or direct deposits to the new account within 60 days from the account open date.
    • Although not all debit card POS transactions appear in your account immediately or may appear as ‘pending’ due to merchant processing times, these transactions will count toward the total POS debit card transactions.
    • Qualifying direct deposits are electronic deposits (such as salary, pension, Government Benefits or other monthly ACH deposits) made into your PeoplesBank Free checking account from third parties.
    • If you meet the criteria you will receive $250 in your account within four (4) weeks from meeting the criteria.
    • Customers who have had an open PeoplesBank checking account within 12 months of new account opening are not eligible for the offer.
    • PeoplesBank associates are not eligible.
    • Personal accounts only.
    • Limit of one promotional account per household.
    • Cannot be combined with any other offer.
    • Offer available only to residents of Hampden/Hampshire/Franklin counties in Massachusetts and Hartford county in Connecticut. Offer 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

    Monthly Fees

    The free checking account has no monthly fees to worry about

    Early Account Termination Fee

    According to comments on previous bonuses there is an  early account termination fee of $15 if the account is closed within 90 days.

    Our Verdict

    Previous bonus was $400. Might be better to wait for that offer to return, but before that bonus the best bonus was $300 with a direct deposit. We will add this to our best bank bonus page even though we’ve seen that bigger bonus in the past.

    Useful posts regarding bank bonuses:

    William Charles

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  • [TN, AR, MS, AL, GA, KY, FL, NC & VA] First Horizon Bank $450 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [TN, AR, MS, AL, GA, KY, FL, NC & VA] First Horizon Bank $450 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Note: Terms state ‘Offer is only available to the addressee of the offer, is non-transferable, may not be combined with other offers’. But this shows up in a google search and you also have to request a code by filling in your information so should be able to get this bonus even if not targeted but YMMV.

    Offer at a glance

    • Maximum bonus amount: $450
    • Availability: Offer is only available to residents of TN, AR, MS, AL, GA, KY, FL, NC and parts of VA (Bristol, Gate City, Weber City)
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $50
    • Monthly fees: None
    • Early account termination fee: Six months, bonus forfeit
    • Household limit: One
    • Expiration date: 3/31/24

    The Offer

    Direct link to offer

    • First Horizon Bank is offering a $450 bonus when you open a new checking account and complete the following requirements:
      • Maintain a $5,000 average daily balance
      • Conduct a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first three full statement cycles

    The Fine Print

    • To qualify for the bonus, open a new FirstView Checking account by 03/31/2024 and maintain a $5,000 average daily collected balance and conduct a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first three full statement cycles.
    • A qualifying client-initiated transaction may include deposits, checks paid, ACH items, and signature and PIN-based purchases made with a First Horizon Debit Card.
    • The cash bonus will be deposited into your account within 10 business days after qualifying activities are met. Bonus will only be paid to open accounts with a positive balance.
    • Offer is only available to the addressee of the offer, is non-transferable, may not be combined with other offers, and is only available for new clients that have not had an account at First Horizon within the last 12 months.
    • Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.
    • All FirstView Checking accounts require a $50 minimum opening deposit.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    FirstView checking account has no monthly fees to worry about. You do need to opt in to paperless statements otherwise you’ll be charged a $2 monthly fee.

    Early Account Termination Fee

    Account must be kept open for six months otherwise the bonus will be forfeit

    Our Verdict

    Better than the $400 checking bonus. Definitely worth doing if they will send you an e-mail with the promo code, I guess there is some risk involved though if you weren’t targeted with a mailer.

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

    William Charles

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  • [KS, MO, AR, OK] Equity Bank $400 Business Checking Bonus – Doctor Of Credit

    [KS, MO, AR, OK] Equity Bank $400 Business Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: KS, MO, AR, OK
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Can fund up to $2,500 with a credit card
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: One
    • Expiration date: June 30, 2024

    The Offer

    Direct link to offer

    • Equity Bank is offering a $400 bonus when you open a new small business or commercial checking account and complete the following requirements by June 30, 2024:
      • Enroll in business online banking
      • Make $2,500 or more in qualifying deposits, which do not include transfers from existing Equity Bank accounts.
      • Minimum deposit of $100 required to open new checking account.

    The Fine Print

    • Business Checking Promotion.
    • Limited time offer and may be canceled without notice.
    • To qualify, please complete steps at equitybank.com and open a Small Business or Commercial Checking account with Equity Bank, including qualifying deposit.
    • The following criteria must be met by June 30, 2024: (1) Enroll in business online banking and (2) make $2,500 or more in qualifying deposits, which do not include transfers from existing Equity Bank accounts. Minimum deposit of $100 required to open new checking account.
    • Service fees may be assessed, and we may collect the bonus if the account is closed within the first 180 days after account opened.
    • Limit one promotional offer per business and/or address.
    • If your account meets the criteria and remains open and active, we will deposit the earned bonus into your checking account within 30 days after the qualification expiration date of June 30, 2024
    • . Bonuses may be considered interest and may be reported on IRS form 1099. (C) Equity Bank, 2023.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Small business checking account has no monthly fees to worry about.

    Early Account Termination Fee

    Our Verdict

    There is also a $200/$300 personal checking bonus. This business bonus seems to be easy to do, but not sure what business documents they require if any.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [IN, Lake & Porter County] Purdue Federal Credit Union $400 Checking Bonus – Doctor Of Credit

    [IN, Lake & Porter County] Purdue Federal Credit Union $400 Checking Bonus – Doctor Of Credit

    Update 3/17/24: Deal is back and now a $400 bonus.

    Update 12/28/22: Bonus is and now for $250 instead of $150.

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: Must be a Lake or Porter County resident
    • Direct deposit required: Yes, but fine print says ACH will work
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $250
    • Monthly fees: None
    • Early account termination fee: Bonus forfeit if account is closed within six months
    • Household limit: None
    • Expiration date: December 31st, 2020

    The Offer

    Direct link to offer

    • Purdue Federal Credit Union is offering a checking bonus of $250 when you complete the following requirements:
      • Enroll in paperless statements.
      • Sign up and use direct deposit of $4,000+

     

    The Fine Print

    • $150 bonus offer valid March 1-December 31, 2020 for accounts opened at the Crown Point branch or online with a Lake or Porter County zip code.
    • To qualify for bonus, account holder must open a new checking account with direct deposit, have a debit card on the account, be enrolled in paperless statements, and make 10 member-initiated transactions. Direct Deposit is defined as an aggregate of $500 or more in ACH deposits each month for two months within 90 days of account opening.
    • Bonus will be deposited into primary share savings account within 10 business days after all conditions have been met.
    • Social Security Number required for account holder to receive bonus.
    • Bonus is considered interest and will be reported on IRS Form 1099-INT.
    • Business accounts not eligible to receive bonus offer.
    • If the account is closed within 6 months of account opening, the $150 bonus will be deducted from the account at closing. Membership eligibility required.
    • 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 with no monthly fees

    Early Account Termination Fee

    If the account is closed within six months the bonus forfeit

    Our Verdict

    Not a huge bonus, but looks like any ACH will work. Will add this to our list of the best bank account bonuses.

    Hat tip to reader EW

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL, IL, IN, MO] Busey Bank $300 Checking Bonus – Doctor Of Credit

    [FL, IL, IN, MO] Busey Bank $300 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: FL, IL, IN, MO
    • Direct deposit required: Yes, $1,000+
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Yes
    • Credit card funding: Up to $500
    • Monthly fees: $5, avoidable
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: None

    The Offer

    Direct link to offer

    • Busey Bank is offering a $300 bonus when you open a new checking account and complete the following requirements:
      • Use promo code BUSEY300
      • Have a cumulative direct deposit of at least $1,000 within the first 90 days of opening the account and
      • Activate and use your Busey Debit Mastercard for at least 3 transactions within the first 90 days of opening the account and
      • Enroll in Online Banking with eStatement

    The Fine Print

    • Offer valid for limited time and is available only when opening using the unique offer code for accounts opened online and who qualify as outlined below.
    • You will not qualify for the $300 credit if you are an existing Busey personal checking account customer, you are a Busey Bank employee, OR had a previous personal checking account that was closed within the preceding 12 months OR have received a prior personal checking account incentive at any time. To receive the $300 credit, you must 1) open a new Busey Pillar Banking or Foundation Checking account online; AND 2) complete each of the following within the first 90 days of account opening: Set up cumulative direct deposits totaling at least $1,000 into this account, activate and use your Busey Debit Mastercard for at least 3 transactions, and enroll in online banking with eStatements.
    • Your direct deposits need to be an electronic deposit of your paycheck, pension, government benefits (such as Social Security) from your employer or the government. Person-to-Person and bank transfers between your Busey accounts are not considered a direct deposit. The $300 will be credited into your new account within 10 business days of the preceding month after completing each of the qualifying activity requirements. To receive the credit, your checking account must be open and in good standing.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Foundation checking has no monthly fee with direct deposit or average balance of $100; otherwise, pay a $5 monthly fee.

    Early Account Termination Fee

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

    Our Verdict

    Think this is worth doing as it’s a large bonus, we just don’t have any datapoints on what works as a direct deposit. We will add this to our list of the best bank account bonuses.

    Hat tip to reader Gadget

    Useful posts regarding bank bonuses:

    William Charles

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  • TD Bank $300 Checking & $200 Savings [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA] – Doctor Of Credit

    TD Bank $300 Checking & $200 Savings [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA] – Doctor Of Credit

    Update 2/21/24: You can now also get a $60-$75 Swagbucks or MyPoints bonus on top of the $200/$300 TD bonus. (ht t0 reader Dylan)

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability:CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
    • Direct deposit required: Yes, $500+ for $150 bonus or $2,500 for $300 bonus
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Unknown
    • Credit card funding: Up to $1,000 (a lot of cards process as cash advance)
    • Monthly fees: Up to $25, waive-able
    • Early account termination fee: Six months, bonus forfeit
    • Household Limit: None mentioned
    • Expiration date: March 13th, 2019 May 8th, 2019 September 18th, 2020 March 31, 2021

    The Offer

    Direct link to offer

    • TD Bank is offering a bonuses of up to $500, bonuses are broken down as follows:
      • $300 Premier Checking Bonus
        • Open Premier checking account and make $2,500 in direct deposits within the first 60 days
      • $150 Convenience Checking:
        • Open Convenience checking account and make $500 in direct deposits within the first 90 days
      • $200 Simple/Beyond Savings Bonus:
        • Deposit $10,000 or more in new money within 20 days and maintain that balance for 90 days

     

    The Fine Print

    • Customers who received a bonus on a prior checking and/or savings account do not qualify.
    • One checking and/or savings bonus per Customer and cannot be combined with any other offer. Customers who received a bonus on a prior checking and/or savings account do not qualify
    • $300 bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of $2,500 or more into the new checking account within 60 days of account opening.
    • $150 bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of $500 or more into the new checking account within 60 days of account opening.
    • Qualifying direct deposits include your paycheck, pension, government benefits (such as Social Security), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account.
    • Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.
    • Savings offer is available to new personal savings Customers who do not have an existing or prior personal savings or money market account at TD Bank within the preceding 12 months and complete the required qualifying criteria.
    • $200 bonus offer available to eligible new personal savings Customers who open a TD Preferred Savings or TD Simple Savings account (CDs, IRAs and Money Market accounts excluded) and deposit $20,000 or more in new money within 20 calendar days of account opening and maintain a minimum daily balance of $20,000 for at least 90 days from the date the deposit requirement is met. New money is funds that are not currently held in a TD Bank retail deposit account. Broker, municipal, commercial and small business deposits are not included.
    • Once the offer criterion is met, the bonus will be credited to the new personal checking and/or personal savings account no later than 140 days from account opening. Account(s) must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus.
    • If either checking or savings account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing.
    • TD Bank may issue you an IRS Form 1099-MISC, or other appropriate forms reporting the value of the bonus.
    • Offer may be withdrawn at any time and is subject to change.
    • One bonus per account per Customer and cannot be combined with any other offer.
    • In the event any of the above-mentioned checking or savings accounts are no longer for sale, offer is transferable to an equal tier account. TD Bank employees and Canadian cross-border banking Customers are not eligible.

    Avoiding Fees

    TD Convenience Checking $15 Monthly Fee

    This is waived if you have a minimum daily balance of $100.

    TD Premier Checking $25 Monthly Fee

    This is waived if you have a minimum daily balance of $2,500.

    TD Beyond Savings $15 Monthly Fee

    This account has a $15 monthly fee, this is waived if you have a $20,000 minimum daily balance.

    TD Simple Savings $5 Monthly Fee

    This account has no monthly fee for the first year and after that period a $5 fee is charged if a monthly minimum of $300 or less.

    Early Account Termination Fee

    In their online fee schedule, there is no mention of an early account termination fee. The fine print does say the accounts need to be kept open for 6 months or the bonus is forfeit though.

    Our Verdict

    Previously this was targeted, now it’s available in selected states. In fact you can do this bonus even if you’ve done a TD Bank bonus before (new terms added mean this is no longer possible). Savings bonus should be worth doing as you only need $10,000 in the account for 90 days and no monthly fee to worry about in the first year. That works out to be an effective interest rate of 8%+. The checking bonus is also worth doing.

    I’d recommend doing this ASAP as it’s the best bonus we’ve seen from TD Bank and it also seems like they are letting people do it again. We’ve never seen that before either so I’d be worried they will pull this bonus early. We will add this to our list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    Post history:

    • Update 2/10/24: Extended until February 29, 2024
    • Update 1/2/24: Offer ends January 31, 2024
    • Update 11/30/23: Extended until 12/31/23.
    • Update 11/13/23: Extended until November 30, 2023.
    • Update 11/2/22: Deal is back and valid until October 31, 2023. Savings bonus only requires $10,000 instead of $20,000.
    • Update 3/27/22: Extended until October 31st, 2022.
    • Update 3/4/21: Extended until March 31st, 2022.
    • Update 8/2/21: Extended until Nov. 30 2021.
    • Update 4/10/21: Offer extended to August 3, 2021. Hat tip to reader AC
    • Update 3/21/21: Terms now state ‘Customers who received a bonus on a prior checking and/or savings account do not qualify.’ again.
    • Update 3/19/21: Terms have changed again and bonus is churnable:
    • New terms: Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months
    • Old terms: Customers who received a bonus on a prior checking and/or savings account do not qualify. Hat tip to reader Dinu D
    • Update 1/21/21: Deal is back and with the savings bonus. Hat tip to redditgirl313
    • Update 1/12/21: Savings bonus no longer being offered.
    • Update 11/27/20: There is a link without any targeted language. It does say it’s an affiliate link, it’s not our affiliate link (not sure who it belongs to) but worth keeping in mind. Hat tip to Yun
    • Update 9/19/20: Deal is back, but contains the following targeted language again (emphasis mine) ‘Offer is valid through November 20, 2020, for those who received a promotional email or mailer.’
    • Update 7/26/20: Deal is back, doesn’t contain targeted language any longer. In addition it seems possible to get this bonus if you’ve had a TD Bank account before. Normally it states ‘who do not have an existing or prior personal checking account at TD Bank’, this bonus states ‘…offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria’. Hat tip to reader Michael L.
    • Update 2/5/20: Deal is back and valid until March 23rd, 2020. Still targeted.
    • Update 10/31/19: Deal is back and valid until December 31st, 2019. Hat tip to DDG
    • Update 7/11/19: Deal is back and valid until 8/21
    • Update 3/21/19: Offer is back and valid until May 8th, 2019. Still targeted unfortunately. Hat tip to readers Amish M &

    William Charles

    Source link

  • [PA only] Ardent Credit Union $700 Checking Bonus – Doctor Of Credit

    [PA only] Ardent Credit Union $700 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $700
    • Availability: PA only. Must live, work or worship in Philadelphia, Bucks, Chester, Delaware and Montgomery
    • Direct deposit required: Yes, $100+ per month
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown, not sensitive
    • Credit card funding: Up to $500
    • Monthly fees: None listed
    • Early account termination fee: None listed
    • Household limit: None listed
    • Expiration date: June 30, 2024

    The Offer

    Direct link to offer

    • Ardent Credit Union is offering a checking bonus of up to $700. Bonus is broken down as follows:
      • Log into eBanking to earn $50
      • Enroll your debit card in your mobile wallet to earn
      • Get 7.50% cash back per month, up to $50 cash back per month (for the first 12 months) when the following requirements are met:
        • Get qualifying recurring direct deposits totaling $100 or more
        • Receive eStatements
        • Make 8 debit card transactions

    The Fine Print

    • Offer valid only on Cashback Checking accounts opened between February 6, 2024 and June 30, 2024.
    • The monthly bonus is available for 12 consecutive months for new accountholders who qualify.
    • However, this offer may end at any time.
    • New checking accountholders only.
    • A checking accountholder is considered new if they have not been primary or secondary owner on an Ardent checking account in the last 12 months.
    • Must meet membership eligibility of living, working, worshipping, volunteering or attending school in Bucks, Chester, Delaware, Montgomery or Philadelphia Counties. Relatives and household members of current Ardent members may also be eligible.
    • Visit ardentcu.org/join for more details.
    • Promotion Code (CK700) must be entered at new account opening to be eligible for this offer and cannot be added to an account at a later date. Ardent Credit Union reserves the right to determine in its sole discretion that an account is ineligible for the promotion because the activity on the account was limited to only the actions needed to qualify for the bonus.
    • A qualifying account must be funded, remain open and in good standing to receive the bonus.
    • Qualifying accounts earn the standard 1.50% cash back (up to $10 per month) on net debit card purchases.
    • This offer adds a monthly cash back bonus, which is an additional 6.00% cash back on net debit card purchases.
    • For example, $100 of debit card purchases would result in $1.50 in standard cash back for a qualifying account.
    • The cash back bonus on $100 would be 6.00% of $100, which equals $6.00.
    • In total, the account would earn $7.50 ($1.50 standard cash back + $6.00 cash back bonus) for the month, which is 7.50% cash back. The standard cash back will appear at the start of the next month.
    • The cash back bonus will appear within 3 business days after the start of the month.
    • This is a 12 month promotion.
    • Month one is the account opening month and it continues for the next 11 months.
    • For example, an account opened March 15, 2024 will earn on net debit card purchases during March (Month 1) through the end of February 2025 (Month 12).
    • To earn the $50 eBanking login bonus, the member must register for eBanking and login within 30 days of account opening. The eBanking bonus will be paid within 30 days of the action completion. To earn the $50 mobile wallet bonus, the member must successfully register their Ardent Visa debit card with either Apple Pay or Android Pay within 30 days of account opening.
    • The mobile wallet bonus will be paid within 30 days of the action completion. PLEASE NOTE: To be eligible for the bonus, regular deposit and transaction activity consistent with normal day-to-day spending patterns must be evident during the promotional period (365 days from account opening date). Limit one Cashback Checking account per member.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    These account has no monthly fees to worry about

    Early Account Termination Fee

    I didn’t see any early account termination fee in the fee schedule.

    Our Verdict

    A lot of requirements you need to meet for 12 months. You also need to spend $666+ per month on the debit card. Previously they offered a smaller bonus for $350 with a lot less requirements.

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

    William Charles

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  • [DE, PA & NJ only] Sun East Federal Credit Union $150 Referral Checking Bonus – Doctor Of Credit

    [DE, PA & NJ only] Sun East Federal Credit Union $150 Referral Checking Bonus – Doctor Of Credit


    Offer at a glance

    • Maximum bonus amount:
    • Availability: DE, PA and NJ only. Might be nationwide with $10 donation but lots of accounts were not approved last time.
    • Direct deposit required: Yes, no minimum specified
    • Additional requirements:See below
    • Hard/soft pull: Soft
    • ChexSystems: Yes
    • Credit card funding: $550
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Sun East Federal Credit Union is offering a $150 referral bonus to both parties when the new customer completes the following requirements:
      • open a checking account,
      • establish direct deposit, and conduct at least 1 direct deposit transaction into the checking account within 45 days of account activation
      • deposit a minimum of $250 within 45 days of account activation and have $250 in the account on day 45

    The Fine Print

    • To be eligible for the program an Advocate must be a Sun East member in good standing, as defined in our bylaws, having a principal residence in Delaware, Maryland, New Jersey, or Pennsylvania, and has been a member for at least 6 months. 
    • The referred new member or Friend must remain in good standing for 45 days from the date of account opening. A Friend must also: 1) meet the residency requirements; 2) open a checking account, establish direct deposit, and conduct at least 1 direct deposit transaction into the checking account within 45 days of account activation; and 3) deposit a minimum of $250 within 45 days of account activation and have $250 in the account on day 45. Internal account transfers (transfers between accounts held by Sun East) are not eligible to meet the checking account minimum. 
    • Existing primary members/Advocates and joint owners on such accounts who open new accounts do not qualify as Friends and will not receive a referral bonus. Former members may qualify as a Friend if their account was closed for at least 6 months before the date of reopening. 
    • Once a Friend is referred by an Advocate, no other members may refer that same Friend. 
    • Members who open accounts by fraudulent, suspicious, or illegal means, or who make referrals or open accounts in a manner not consistent with the spirit or intent of the Program, as determined in our sole discretion, are not eligible to participate and referral bonuses will be denied. 
    • A valid referral for the reward bonus requires:
      • Advocate must remain in good standing for the 45 days of Friend’s account opening;
      • Friend must complete the Sun East membership application by accessing it through the Advocate’s personal link; and
      • Friend must be approved for membership, meet the residency requirements, and account requirements as disclosed.
    • 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 so unsure if there is any EATF.

    Our Verdict

    Previously there was a $300 checking bonus. Feel free to share your referrals in the comments below. Anyone can join Sun East credit union with a $10 donation to the Sun East Foundation if they don’t meet the local criteria. A lot of people were denied when there was a high yield account offer.

    Hat tip to reader Phil P

    Useful posts regarding bank bonuses:



    William Charles

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  • [TX, OK, AR, LA, MS, Military] AFFCU $200 Checking Bonus – Doctor Of Credit

    [TX, OK, AR, LA, MS, Military] AFFCU $200 Checking Bonus – Doctor Of Credit


    Offer at a glance

    • Maximum bonus amount: $200
    • Availability:
      • You qualify for membership at AFFCU if you are an active duty member, reservist, veteran, retiree, or a dependent of a member of the U.S. Armed Forces or National Guard residing or working in Texas, Oklahoma, Arkansas, Louisiana, or Mississippi.
      • Can also join a foundation
    • Direct deposit required: Yes, $500+ 
    • Additional requirements: Use promo code and digital banking
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $1,500
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • AFFCU is offering a $200 bonus when you open a new checking account and complete the following requirements:
      • Use promo code BONUSCASH
      • Set up direct deposit of $500+ within 60 days of account opening
      • Enroll in digital banking

    The Fine Print

    • This $200 Checking Bonus is not available to existing AFFCU checking members, or members who are not in good standing, or closed their account or checking account within the last 12 months, or closed with a negative balance at any time.
    • To receive the $200 Checking Bonus, open a new Value Checking or Rewards Checking account, which is subject to approval, and within 60 days of opening the account complete these activities: 1) Make a direct deposit through the Automated Clearing House (ACH) totaling $500 or more. Your direct deposit ACH must be a settled deposit of your paycheck, salary, other income, pension, or government benefits (such as social security) from your employer or government. Deposits made through the mail, financial center, mobile deposit or ATM, micro-deposits, transfers from one account to another, Person to Person (P2P) payments including those made through providers such as Zelle, Venmo, PayPal through ACH, or other non-payroll ACH electronic deposits will not be considered as direct deposits; –AND–
    • 2) Enroll in AFFCU Digital Banking (web browser or mobile app). After meeting these requirements, the $200 Checking Bonus will be added to your checking account within 30 days. If the account has a negative balance, resulted in a loss to AFFCU, or is closed prior to AFFCU’s attempt to deposit the Checking Bonus, the bonus will not be awarded. Limit of one offer per U.S. Taxpayer Identification Number. Primary account holders must be at least 18 years old to be eligible. Accounts subject to backup withholding, AFFCU employees and volunteers, and accounts qualified under eligibility through the Defense Language Institute English Language Schools are ineligible to participate in this offer
    • $200 Checking Bonus is considered interest, and will be reported on IRS Form 1099-INT, and the recipient is responsible for all applicable taxes. Offer is for a limited time, subject to discontinuation or change without notice, and is subject to verification, eligibility and qualification review. Certain restrictions apply.
    • 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

    Early Account Termination Fee

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

    Our Verdict

    If anybody applies by pledging $10 to Airmen Foundation and gets their account set up let us know in the comments.

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:



    William Charles

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  • [CA Only] Redwood Credit Union $250 Checking Bonus – Doctor Of Credit

    [CA Only] Redwood Credit Union $250 Checking Bonus – Doctor Of Credit


    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: If you currently live or work in Sonoma, Lake, Marin, Napa, Mendocino, San Francisco, Solano, or Contra Costa counties
    • Direct deposit required: Yes, $500+
    • Additional requirements: Use promo code
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: 2/29/24

    The Offer

    Direct link to offer

    • Redwood Credit Union is offering a $250 bonus when you open a new checking account and complete the following requirements:
      • Use promo code 250FORME
      • Have at least $500 in qualifying direct deposits within 90 days of account opening

    The Fine Print

    • Offer valid until 02/29/2024.
    • Promotion is offered to new RCU Members.
    • Employees of RCU and/or RCUSG, volunteer Officials, their family members and roommates are not eligible. Promotion is subject to change and certain restrictions may apply.
    • To receive the $250 bonus, you must open a qualifying new checking account with Redwood Credit Union with a qualifying direct deposit. Qualifying checking accounts are limited to General Membership, open for a minimum of 60 days.
    • Youth, business, health savings (HSA), custodial, trusts, and other specialized accounts are excluded from this offer.
    • Direct deposit must be an ACH deposit of $500 or more with an effective deposit date within 90 days of account opening.
    • Direct deposit is restricted to regular income deposits, government benefits, and monthly retirement income.
    • Person-to-person payments such as Venmo™, PayPal, or Zelle®, and external transfers from linked accounts are excluded.
    • One $250 bonus is available per qualifying individual.
    • New Members must qualify for membership and are required to establish a membership account.
    • Membership is open to anyone living or working in one of the eight North Bay counties RCU serves, some restrictions may apply. For new membership accounts, you must deposit $5 in a regular savings account to open a checking account. The promo code expires on 02/29/2024. $250 bonus is considered interest and will be reported on IRS Form 1099-INT. Participant is responsible for all applicable taxes. Bonus will be awarded by a credit to the newly established checking account within 30 days of meeting checking account and direct deposit requirements.
    • 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

    Requirements seem easy to meet, as always if anybody goes for it then please share your experiences in the comments below. We will add this to the best bank account bonuses.

    Hat tip to Travel With Grant.

    Useful posts regarding bank bonuses:



    William Charles

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  • [PA & OH] S&T Bank $300/$400 Checking Bonus – Doctor Of Credit

    [PA & OH] S&T Bank $300/$400 Checking Bonus – Doctor Of Credit

    Update 1/22/24: Deal is back and valid until March 29, 2024.

    Update 12/2/23: Deal is back and valid until 12/31/23. Hat tip to 14lopeza

    Update 6/6/23: Deal is back and valid until 6/30/23

    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: Must be a resident of Pennsylvania or Ohio. Need to live close to a branch (possibly within 25 miles)
    • Direct deposit required: Yes, $500+
    • Additional requirements: eStatements & $1,000 debit card purchases
    • Hard/soft pull: Soft
    • ChexSystems: Unknown
    • Credit card funding:  Up to $100
    • Monthly fees: None
    • Early account termination fee: Six months
    • Household limit: None
    • Expiration date: March 31st, 2020 June 30th, 2020 September 30th, 2020 December 31, 2020 March 31, 2021 June 30, 2021 September 30, 2021

    The Offer

    Direct links to offer: East PA ($400) | West PA ($300) | OH ($300) |

    • S&T Bank is offering a bonus of up to $300 when you open a checking account and complete the following requirements:
      • Use promo code STEPA1Q24
      • Open with a minimum of $50 and maintain that until the bonus posts
      • Make at least two direct deposits of $500+

     

     

    The Fine Print

    • This offer is not available to current S&T Bank checking customers or those who have closed an S&T Bank checking in the past 12 months.
    • Offer applies to new consumer checking accounts (Preferred Banking, Select Banking, and Four Star Banking (also interest bearing for Preferred Banking and Four Star Banking)) opened from 3/2/20 – 3/31/20.
    • New accounts will not be eligible for offer if any signer has signing authority on an existing S&T Bank consumer checking account.
    • Signing authority will be defined by the customer name(s) and social security number(s) registered on the account.
    • Offer cannot be combined with any other checking offer and is subject to change or termination without notice.
    • One incentive payout per household.
    • To qualify for the first $100 offer, the initial deposit of $50 must be made within 10 days of account opening and the following conditions also must be met by 4/24/20:
      • (a) at least ten $10 S&T Bank Visa Debit card purchases (posted and cleared) must be made and
      • (b) enroll in online statements.
    • A $100 will be credited to the eligible account 5/8/20 for completing the 3 tasks listed above.
    • If checking account is opened online, you will receive an additional $50 bonus to your S&T Bank checking account on 5/8/20.
    • The additional $200 will be credited to the S&T account on or before 10/16/20 to signify the 6-month anniversary date of the account opening provided the account qualified for the debit card and online statement incentive.
    • The max incentive you can receive during this time is $350.
    • The account must not be overdrawn during the promotional period to receive any of incentives.
    • Subject to 1099 reporting. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Select checking account has no monthly fees to worry about. People are being charged a $3 fee if no bill pay is used (you can remove bill pay from your account and the fee is not charged).

    Early Account Termination Fee

    Account needs to be kept open for six months

    Our Verdict

    Previously the bonus was $200. This $350 bonus seems incredible, no direct deposit or monthly fee to worry about. It’s annoying that you don’t get the full bonus for six months, but still hard to complain. This will be added to our best bank account bonus page.

    Hat tip to JL

    Useful posts regarding bank bonuses:

    Post history:

    • Update 1/12/23: Extended until March 31, 2023. Direct deposit is now required. I’d recommend waiting for the no direct deposit requirement to return.
    • Update 10/12/22: Extended until December 31, 2022.
    • Update 7/30/22: Extended until September 30, 2022. There is a $400 offer if in Eastern PA
    • Update 4/7/22: Extended until 6/30/22. There is a $400 offer if in Eastern PA
    • Update 1/5/22: Extended until 3/31/22, bonus now $300.
    • Update 10/13/21: Deal has been extended until 12/31/21.
    • Update 8/5/21: Bonus has been increased to $400 (previously was $300/$350). Hat tip to MoneyChaser
    • Update 5/17/21: Household limit has been removed. Hat tip to reader JP
    • Update 2/20/21: Deal is back, but now $300 instead of $350.

    William Charles

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  • [MN] Blaze Credit Union $150 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [MN] Blaze Credit Union $150 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: MN
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee: Bonus forfeit, six months
    • Household limit: Unknown
    • Expiration date: 3.31.24

    The Offer

    Direct link to offer

    • Blaze Credit Union is offering a $150 checking bonus when you open a free checking account and complete the following requirements:
      • set up an Automatic Payment or Direct Deposit
      • Make a total of six Blaze debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened

    The Fine Print

    • Offer valid to persons with no prior checking relationship with SPIRE, Hiway or Blaze Credit Union in the last 12 months. $100 minimum deposit required to open Blaze Free, Rox, Saints, Wild or Pathfinder Checking account.
    • To qualify for $150 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 Blaze debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened.
    • Account must remain open for six months.
    • $150 will be deposited to the checking account upon account opening.
    • If all requirements of offer are not met, Blaze reserves the right to reclaim the $150.
    • Account holder responsible for any applicable taxes. L
    • imited time offer valid 1.01.24 – 3.31.24. Subject to termination at any time. Other conditions and restrictions may apply.
    • 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

    Early Account Termination Fee

    Account needs to be kept open for six months or bonus will be forfeit.

    Our Verdict

    Blaze is a combination of HiWay & SPIRE credit union, we have covered them in the past. You won’t be eligible if you’ve had an account with either in the past. Bonus seems pretty good as a direct deposit isn’t required. It is a hard pull but we will add it to the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [WA, ID and OR only] Gesa Credit Union $250 Checking Bonus – Doctor Of Credit

    [WA, ID and OR only] Gesa Credit Union $250 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: If you live, work, worship or attend school in the State of Washington, are a close relative of someone who qualifies as a member, or are a resident within Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce and Shoshone Counties in Idaho, you are eligible to join Gesa.
    • Direct deposit required: Yes
    • Additional requirements: See below
    • Hard/soft pull: Soft 
    • ChexSystems: Unknown
    • Credit card funding: Can fund with a credit card, up to $5,000
    • Monthly fees: None
    • Early account termination fee:
    • Household limit:
    • Expiration date:

    The Offer

    Direct link to offer

    • Gesa Credit Union is offering a bonus of $250 when you open a new SmartPlus checking account and complete the following requirements within 60 days of account opening:
      • Have a membership establishing savings account
      • Enroll in eStatements
      • Make 15 debit card transactions
      • Receive a payroll or government benefit direct deposit

    The Fine Print

    • To be eligible for the $250 checking incentive, you must open a new SmartPlus checking account, enroll in eStatements, complete 15 debit card transactions (ATM transactions excluded), and receive a payroll or government benefit direct deposit within 60 days of opening the checking account.
    • The checking account must be opened with a minimum of $5 if opened in the branch, or $25 if opened online.
    • No minimum ongoing balance is required.
    • Only one $250 SmartPlus checking incentive can be earned per member.
    • You must not have had a Gesa checking account within the last 90 days to be eligible.
    • 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 $20 fee is charged if the account is closed within 180 days according to this fee schedule.

    Our Verdict

    Not nearly as good as the recent $300 bonus that didn’t require a direct deposit. I’d recommend waiting for a better bonus to return so we won’t be adding this to our list of the best bank account bonuses.

    Hat tip to suoira

    Useful posts regarding bank bonuses:

    William Charles

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  • Service Credit Union $100 Checking Bonus – Doctor Of Credit

    Service Credit Union $100 Checking Bonus – Doctor Of Credit

    Update 12/21/23: Deal is back. This time requires a reoccurring direct deposit of $300+ for at least two months. Might be worth waiting for the offer with no direct deposit to return.

    Update 3/23/22: Terms no longer state that it’s only valid for residents of New Hampshire or Falmouth, Massachusetts. Hat tip to reader Sue

    Update 4/23/21: Terms now state: Offer valid to new residents of New Hampshire or Falmouth, Massachusetts only and subject to change or be discontinued without notice

    Offer at a glance

    The Offer

    Direct link to offer

    • Service Credit Union is offering a bonus of up to $100 when you open a new Everyday or Dividend checking account.

    The Fine Print

    • Must be a member of Service Credit Union with at least $5 in a primary savings account and open a new Everyday or Dividend Checking account with a minimum initial deposit of $100 to qualify for the $100 bonus.
    • $50 will be immediately deposited into your account at account opening.
    • Additional $50 deposit will be awarded within 60 days after completion of 10 debit card transactions.
    • Debit transactions must be point of sale purchase and made within 30 days after account opening.
    • Withdrawal and/or deposit does not qualify.
    • A 1099-INT will be issued for the cash on your behalf as income.
    • Cannot be combined with any other checking offers.
    • Offer subject to change or be discontinued without notice.

    Avoiding Fees

    Monthly Fees

    The everyday checking account has no monthly fees to worry about.

    Early Account Termination Fee

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

    Our Verdict

    Previously they offered a $100 referral bonus for both parties, but that required a direct deposit. I doubt we will see that offer return and unless you were getting a friend or family member to refer you then this $100 bonus is effectively the same but easier to meet the requirements for. Worth doing if you didn’t do the other bonus already, will add this to our best bank bonus page.

    Hat tip to reader Eric

    Useful posts regarding bank bonuses:

    William Charles

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  • NASA Federal Credit Union $300 ePremier Checking Bonus – Doctor Of Credit

    NASA Federal Credit Union $300 ePremier Checking Bonus – Doctor Of Credit

    Update: People are reporting receiving this as a FB ad, so likely not targeted. I’d recommend copying and pasting the offer URL so they cant see you’ve been redirected from this site.

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Nationwide?
    • Direct deposit required: $500+ per month, optional see below
    • Additional requirements: 3 bill pays per month + eStatements, optional see below.
    • Hard/soft pull: Soft
    • Credit card funding: Up to $500
    • Monthly fees: $8, avoidable
    • Early account termination fee: None listed
    • Expiration date: 12/31/23

    The Offer

    Direct link to offer

    • Open a new premier eChecking account with NASA Federal Credit Union and receive a sign up bonus of $300 when you do the following:
      • establishing a $500 minimum monthly recurring direct deposit for 3 consecutive months and
      • making at least 15 debit card purchases (pin or signature) for 3 consecutive months, all within 120 days of account opening

    The Fine Print

    • $300 checking bonus requires opening a Premier eChecking account between 12/11/2023 and 12/31/2023, establishing a $500 minimum monthly recurring direct deposit for 3 consecutive months and making at least 15 debit card purchases (pin or signature) for 3 consecutive months, all within 120 days of account opening. In order to receive bonus, account must be in good standing.
    • Only one bonus will be paid per member and offer is non-transferable.
    • $300 will be credited to the primary applicant’s savings account on file, 120 days from account opening.
    • Recipient is solely responsible for any personal tax liability arising out of this incentive.
    • Membership savings account with $5 opening balance is required.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    ePremier Checking Account $8 Monthly Fee

    The monthly fee on this account is waived if you have a direct deposit or active online BillPay+ with eStatements.

    Early Account Termination Fee

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

    Our Verdict

    Terms say that it’s not transferable, so I assume it’s a targeted offer. As this seems to be open to everybody and much better than the previous $125 bonus I’d recommend doing this offer. I expect it to be popular so I’d probably sign up sooner rather than later to avoid the offer being pulled. We will add this to our list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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