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  • [CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL, In Branch] Citizens Bank $700 Checking & Savings Bonus – Doctor Of Credit

    [CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL, In Branch] Citizens Bank $700 Checking & Savings Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $700
    • Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
    • Direct deposit required: Yes, $500+
    • Additional requirements: See below
    • Hard/soft pull: Soft pull as long as you opt out of over draft protecton.
    • ChexSystems: Mixed data points
    • Credit card funding: None
    • Monthly fees: $9.99, avoidable
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: 9/7/24

    The Offer

    Direct link to offer

    • Citizens Bank is offering a $700 bonus when you open a new checking & savings account. Bonus broken down as follows:
      • Open your first new personal checking account and set up and make at least one single direct deposit of $500 or more within 60 days of account opening
      • Open a savings account on the same day and earn a bonus of up to $600 (funds must be maintained until December 31, 2024):
        • $200 bonus: make a single or multiple deposits totaling $5,000
        • $400 bonus: make a single or multiple deposits totaling $10,000
        • $600 bonus: make a single or multiple deposits totaling $15,000

    The Fine Print

    • To Earn Bonus: To earn a $100 Checking bonus, open your first new personal checking account between 8/30/24 and 9/7/24 and have at least one single direct deposit of $500 or more post into your new checking account within 60 days of account opening. To earn a Savings bonus, open your first new personal savings account on the same date as the above new checking account (direct deposit not required) and have the required minimum total deposit (with money not currently on deposit with Citizens) post into your new savings account within 10 days of account opening and remains on deposit until date stated in the table below. Deposits between $5,000.00-$9,999.99 will receive a $200 bonus, or deposits between $10,000.00-$14,999.99 will receive a $400 bonus, or deposits equaling $15,000 or more will receive a $600 bonus.
    • To earn the total bonus up to $700, you must qualify for both the Checking and one of the Savings bonuses noted above. Qualifications: Primary signer on the new checking and savings accounts may not be or have been a signer on any Citizens personal checking or savings account within the previous six months.
    • Your new account(s) must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
    • Direct deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible direct deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®. Eligibility: Customer will only be paid a one-time bonus for this program. Only one checking account and one savings account are eligible for a bonus.
    • Offers may be withdrawn without notice and cannot be combined with any other checking offer.
    • Offer eligibility is determined at Citizens’ sole discretion.
    • Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your new checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer.
    • Bonus will be reported to the IRS for income tax purposes.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Need to sign up for online statements otherwise there is a $3 fee.

    Citizens Bank One Deposit Checking Account $9.99 Monthly Fee

    The One Deposit checking account comes with a $9.99 monthly fee. Fee is waived by making one deposit each statement period. (According to this comment they really do count any deposit – even a transfer from another Citizens Bank account will trigger this.)

    Early Account Termination Fee

    As far as we know there is no early account termination fee.

    Our Verdict

    Normally there is a $400 checking bonus, so this is an extra $300 if you max out the bonus. Basically need to tie the funds up for 3 months, if you put $15,000 into an account for 3 months that earned 5% you’d earn $187.5 so this bonus is worth doing if you can spare the $15,000 for that long. The smaller bonuses aren’t worth doing as you are better off sticking to the standard $400 checking bonus that is frequently available. We will add this to our list of the best bank account bonuses.

    Hat tip to reader Alex

    Useful posts regarding bank bonuses:

    William Charles

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  • [AL, CT, D.C., MD, VA, WV, FL, NJ, NY, and PA Only] Valley National Bank $400 Checking Bonus ($20 Per Month) – Doctor Of Credit

    [AL, CT, D.C., MD, VA, WV, FL, NJ, NY, and PA Only] Valley National Bank $400 Checking Bonus ($20 Per Month) – Doctor Of Credit

    Offer at a glance

    The Offer

    Direct link to offer

    • Valley National Bank is offering a sign up bonus of $400 when you open a new Valley All Access Checking+ and completing the following requirements:
      • Receive two or more qualifying direct deposits with a cumulative total of $7,500 or more within 90 days of account opening

    The Fine Print

    • Minimum to open is $100.
    • No monthly maintenance charge for 12 months from account opening.
    • After that, monthly maintenance charge of $15 will be incurred if daily balance of $99 is not maintained.
    • To receive the $400 reward, the account must receive two or more qualifying direct deposits with a cumulative total of $7,500 or more within the first 90 days from the date of account opening.
    • Qualifying direct deposits are defined as recurring payroll direct deposits or electronic deposits of pension or government benefits such as Social Security that are made by an employer or other payer using the account and routing numbers that you provide to them.
    • Transfers from one account to another, online or mobile banking deposits, or deposits made at a branch or ATM do not qualify as direct deposits.
    • This reward is being provided for the use of the product and services established.
    • The one-time $400 reward will be credited into your account within 30 days after: (1) the qualifying direct deposit requirement has been satisfied and (2) the account has been opened for a minimum of 90 days. Reward may be reportable as taxable income.
    • To be eligible for the cash reward, all account holders must have no other Valley personal checking accounts within the one-year period preceding the date of account opening.
    • The reward is limited to one per Valley All Access Checking+ account.
    • All subsequent checking accounts opened by the account holder(s) after the initial checking account will not be eligible for the promotional reward.
    • Offer may be withdrawn or modified without prior notice.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    $15 monthly fee:

    • Waived for first 12 months
    • After that, monthly maintenance charge of $15 will be incurred if daily balance of $99 is not maintained

    Early Account Termination Fee

    There is no early account termination fee.

    Our Verdict

    Unfortunately they are ChexSystems sensitive. This is a better offer than the $20 per month offered in the past. Worth doing if you have a low Chex count and maybe worth trying to do in branch with a higher count but I suspect most readers will be denied. We will add this to our best bonus page though.

    Hat tip to Bank Account Bryan

    Useful posts regarding bank bonuses:

    William Charles

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  • [CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL] Citizens Bank $300 Savings Bonus – Doctor Of Credit

    [CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL] Citizens Bank $300 Savings Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
    • Deposit required: $15,000
    • APY: 0.07% APY
    • Hard/soft pull: Soft pull as long as you opt out of over draft protecton.
    • ChexSystems: Mixed data points
    • Credit card funding: None
    • Monthly fees: Avoidable
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: 4/16/24

    The Offer

    Direct link to offer

    • Citizens Bank is offering a $300 bonus when you open a new savings account and complete the following requirements:
      • Deposit a minimum of $15,000 not already on deposit with Citizens within 10 days of account opening and maintain balance until:
        • June 30, 2024 for accounts opened in March
        • July 31, 2024 for accounts open in April
      • You must also have an existing Citizens Quest Checking account or open a new Citizens Quest Checking account between 3/26/24 and 4/16/24

    The Fine Print

    • To earn a $300 bonus, open your first new savings account between 3/26/24 and 4/16/24 and have a minimum of $15,000 not already on deposit with Citizens post within 10 days of account opening and remains on deposit until date stated in the table below.
    • You must also have an existing Citizens Quest Checking account or open a new Citizens Quest Checking account between 3/26/24 and 4/16/24.
    • Qualifications: Primary signer on the new savings account may not be or have been a signer on any Citizens personal savings account within the previous six months.
    • Your new savings account and your new or existing checking account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
    • Eligibility: Customer must open their first new savings account via Citizens’ online account opening system accessed by clicking on one of the links on this page.
    • Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Only one savings account is eligible for a bonus. Offers may be withdrawn without notice and cannot be combined with any other savings offer. Offer eligibility is determined at Citizens’ sole discretion. Payout: Bonus will be deposited to the checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.
    • 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 fee as long as you have a Quest checking account.

    Early Account Termination Fee

    As far as we know there is no early account termination fee.

    Our Verdict

    You can get a $400 checking bonus if you don’t already have a checking account with Citizens Bank. Just keep in mind you need a Quest checking account and that’s more difficult to keep fee free. At minimum you’d need the funds in the account for 3 months, this works out to be an annualized return of 8%. Slightly better than high yield savings accounts but probably not worth it for most people due to the harder to keep fee free account.

    Hat ti to Phil P

    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

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  • [Washington D.C only] Andrews Federal Credit Union $150 Checking Bonus – Doctor Of Credit

    [Washington D.C only] Andrews Federal Credit Union $150 Checking Bonus – Doctor Of Credit

    Update 1/13/24: Extended until extended until 1/31

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: Must live, work, worship or attend school in Washington D.C. Looks like joining the ACC might also make you eligible.
    • Direct deposit required: Yes, $500+
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: $25, 60 days
    • Household limit: None listed
    • Expiration date: 12/31/2023

    The Offer

    Direct link to offer

    • Andrews Federal Credit Union is offering a bonus of $150 when you open a new Kasasa Cash, Kasasa Cash Back, Forces, or Online Checking and complete the following requirements:
      • Use promo code GET$150
      • Make a direct deposit of $500+ and maintain that for 90 days

    The Fine Print

    • To receive the $150 bonus, you must (1) establish a new membership with Andrews Federal Credit Union; (2) open a new Kasasa Cash, Kasasa Cash Back, Forces, or Online Checking; (3) start a new direct deposit of $500 or more to your new checking account within sixty (60) calendar days of opening the account; and (4) maintain that direct deposit for at least ninety (90) calendar days (i.e. ninety (90) calendar days from the date of the first direct deposit to the account).
    • Membership and checking account must be opened during the promotional period of 11/15/2023 and 12/31/2023.
    • You must meet the terms of your new checking account type, including the direct deposit requirement, in order to be eligible for the $150 bonus.
    • Qualifying direct deposits include recurring electronic deposits of payroll, pension, or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. No minimum balance required to open a new Kasasa Cash, Kasasa Cash Back, Forces, or Online Checking account; the minimum balance to maintain each checking account type may vary, visit the individual product pages linked above for full account details.
    • The $150 will be credited to the new checking account after you have met the 90 day direct deposit requirement, if all other checking account requirements are also met.
    • Existing primary Andrews Federal members (i.e. memberships opened prior to 11/15/2023) are not eligible for this offer.
    • Previous memberships that were closed within 180 days prior to promo are not eligible for this offer.
    • Your new Andrews Federal checking account must still be open and in good standing when we seek to credit the bonus, otherwise the bonus is forfeited.
    • Only one bonus will be awarded per member regardless of the number of accounts opened.
    • Bonus offers are not transferable and are reportable for tax purposes.
    • A $25 early account closing fee applies if the account is closed within 60 days of opening.
    • All Andrews Federal checking and savings accounts are subject to Andrews Federal standard account agreements.
    • Offer is subject to change at any time.
    • Employees, Directors or contractors of the Credit Union, or their direct family members are not eligible for this offer.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    These accounts have no monthly fees to worry about.

    Early Account Termination Fee

    A $25 early account closing fee applies if the account is closed within 60 days of opening

    Our Verdict

    Previously this was $200 with the same requirements. Still worth doing and the Kasasa Cash checking account earns 6% APY on up to $25,000. We will add this to our list of best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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