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Tag: direct deposit required

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

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

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

    Offer at a glance

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    I wasn’t able to find the fee schedule.

    Basic Checking $3 Monthly Fee

    Waived with either of the following:

    Prestige Checking $20 Monthly Fee

    Waived with combined share balances of $5,000+

    Our Verdict

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

    Useful posts regarding bank bonuses:

    Post history:

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

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    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    Both accounts offered have no monthly fee to worry about.

    Early Account Termination Fee

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

    Our Verdict

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

    Useful posts regarding bank bonuses:

    Post history:

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

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    William Charles

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  • Netspend $100 Checking Bonus – Doctor Of Credit

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    Update 9/12/25: Deal is back, this time only for $100. 

    Offer at a glance

    • Maximum bonus amount: $100
    • Availability: Nationwide
    • Direct deposit required: Yes, $400+
    • Additional requirements:
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: No
    • Monthly fees: Avoidable
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: 04/01/26

    The Offer

    Direct link to offer

    • Netspend is offering a $200 bonus when you open a Netspend Prepaid Card or Netspend Debit Account and complete the following requirements:
      • Activate card
      • Enroll in Direct Deposit and receive Direct Deposits totaling $400 or more within 60 days of acquiring the account

    The Fine Print

    • To qualify for this offer, (1) you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between 04/01/25 and 04/01/26 and (2) enroll in Direct Deposit and receive Direct Deposits totaling $400 or more within 60 days of acquiring the account.
    • The qualifying incentive credit will be applied to your account within 5 business days after the qualifying direct deposit activity.
    • Limit one (1) offer per account.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    You can learn more about fees by clicking here.

    Our Verdict

    Seems like a great deal and worth doing. Not sure this will last long. Will add this to our list of the best bank account bonuses.

    Hat tip to reader ntn

    Useful posts regarding bank bonuses:

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    William Charles

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  • [LA, MS, FL, AL, TX] Hancock Whitney Bank $600/$1,000 Checking & Savings Bonus – Doctor Of Credit

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    Update 9/10/25: Reader Harrison Logan points out that there is a $1,000 bonus, seems like the only difference is the savings account requires $10,000 instead of $5,000. 

    Offer at a glance

    • Maximum bonus amount: $600
    • Availability: LA, MS, FL, AL, TX
    • Direct deposit required: Yes, $300+
    • Additional requirements: None
    • Hard/soft pull: Soft
    • ChexSystems: No
    • Credit card funding: None
    • Monthly fees: $12, avoidable
    • Early account termination fee: $20, 180 days (bonus forfeit)
    • Household limit: Limit of one consumer checking-related bonus per household every 2 calendar years. (this is enforced),
    • Expiration date: 10/31/2025

    The Offer

    Direct link to offer

    • Hancock Whitney Bank is offering a bonus of up to $600. Bonus is broken down as follows:
      • $300 cash bonus when you open a Freestyle Checking account and set up $500 or more in monthly direct deposits
      • $100 cash bonus when you open a Freestyle Savings account and deposit $5,000 or more by 11/30/25 and maintain until 2/28/26
      • $200 extra cash bonus when you open both and meet all requirements

    The Fine Print

    • Use the promo code referenced above when opening your new checking account with money not currently on deposit at Hancock Whitney Bank by the offer expiration date of 10/31/2025. Set up and receive qualifying direct deposits totaling at least $500 each month by 12/31/2025. Your account and direct deposits must remain open and active during the entire promotional period which includes up to when the bonus is paid by 2/28/2026. If you meet all requirements, we will deposit the earned bonus into your new personal checking account by 2/28/2026. 
    • Offer available to new Hancock Whitney checking clients 18 years of age or older. This includes new to bank clients and existing Hancock Whitney clients who currently do not have a checking account, or have not recently closed a checking account in the past 90 days, or did not have a checking account closed with a negative balance in the past 3 years.
    • A qualifying direct deposit is a recurring electronic deposit, including a salary, pension, Social Security, other government benefit or other recurring, monthly income amount, made by your employer or outside agency. Account transfers, mobile deposits, payments from Zelle, PayPal, Cash App or other similar providers, tax refunds or deposit made at a branch or ATM are not qualifying direct deposits.
    • Important details and required qualifying activities for the $100 Freestyle Savings Offer: Use the promo code referenced above when opening your new Freestyle Savings account by the offer expiration date of 10/31/2025. You must deposit $5,000 or more into your Freestyle Savings account by 11/30/2025. Your account must remain open and active and you must maintain a minimum daily balance of $5,000 or more during the entire promotional period which includes up to when the bonus is paid by 2/28/2026. If requirements are met, we will deposit the earned bonus into your new Freestyle Savings account by 2/28/2026.
    • 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 a $12 monthly fee. This is waived if you do any of the following:

    • primary account holder under 18 or age 64 and over or
    • make one or more client-initiated debit or credit transactions per statement cycle to waive the service charge.

    Early Account Termination Fee

    $20 fee is charged for each account if the account is closed within 180 days. Looks like you might also forfeit the bonus.

    Our Verdict

    Previously this was only $200 for the checking bonus or a $500 bonus that was more difficult to keep fee free. I think this $300 + $100 + $200 bonus is all worth doing. The hold period for the savings bonus is 90 days and works out to be 8% APY. We will add this to our best bank bonus page. 

    Hat tip to reader Scooter

    Useful posts regarding bank bonuses:

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    William Charles

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  • Connexus Credit Union $300 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Anybody can join by joining the Connexus Association and paying a $5 one time donation. If you live in select counties in MN, NH, OH, WI then you can join for free
    • Direct deposit required: Yes, $500
    • Additional requirements: See below
    • Hard/soft pull: All recent datapoints say soft pull
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: 11/09/2025

    The Offer

    Direct link to offer

    • Connexus Credit Union is offering a bonus of $300 when you open a new new Xtraordinary Checking Account with promo code XTRABONUS. Meet the Xtraordinary Checking Account requirements for two months (doesn’t need to be consecutive) within 120 days of account opening:
      • Make 15 debit card purchases or accumulate $500 in debit card spending
      • Subscribe to eStatements
      • Make one monthly deposit of at least $500 from either a direct deposit or an ACH deposit
    • Bonus you receive depends on your average daily balance from the first two monthly periods in which qualifications are met and average them together  
      • Total average daily balances of $999.99 and below will earn $0.00
      • $1,000 – $4,999.99 will earn $100;
      • $5,000-$9,999.99 will earn $200;
      • $10,000 and over will earn $300

    The Fine Print

    • Offer is valid for individuals who open an Xtraordinary Checking Account between 09/08/2025 and 11/09/2025.
    • Offer is not valid for existing Connexus members with any type of Connexus Checking Account currently open or any current or former members with a Connexus Checking Account closed on or after 7/1/2025.
    • Offer is limited to one bonus per primary owner and is subject to change or termination without notice.
    • ​To qualify for the bonus, you must use Promo Code XTRABONUS at time of application and meet the Xtraordinary Checking Account requirements listed above in the 5.00% Annual Percentage Yield disclosure 1 for two month-end periods within 120 days of account opening.
    • Monthly periods are based on calendar months; the last day of the month must fall within 120 days of account opening to count toward bonus qualifications.
    • Determining your bonus: Connexus will take the average daily balance from the first two monthly periods in which qualifications are met and average them together. Total average daily balances of $999.99 and below will earn $0.00; $1,000 – $4,999.99 will earn $100; $5,000-$9,999.99 will earn $200; and $10,000 and over will earn $300. The bonus is subject to income tax reporting and will be credited to your account within 10 business days of the month-end following bonus qualifications being met. The Xtraordinary Checking Account must be open at the time the bonus is credited.
    • 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

    We saw a $200 bonus last year with no direct deposit required. This bonus does require a high balance but at least you earn 5% APY when meeting the requirements for the bonus anyway. You are eligible if you’ve had an account before but can’t have had or closed an account as of 7/1/2025. We will add this to our list of the best bank account bonuses. 

    Hat tip to reader Eric

    Useful posts regarding bank bonuses:

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    William Charles

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  • Mirastar Federal Credit Union $100 Checking Referral Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $100
    • Availability: Nationwide via ACC
    • Direct deposit required: Yes, $500+
    • Additional requirements:
    • Hard/soft pull: Unknown 
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None 
    • Early account termination fee: None
    • Household limit: None 
    • Expiration date: 09/30/2025

    The Offer

    Direct link to offer

    • Mirastar Federal Credit Union is offering a $100 referral bonus to both parties when the referred member completes the following requirements:
      • the referred member must establish a qualifying account with Mirastar which consists of a Share Savings Account with at least a $1 deposit and a Checking Account.
      • The referred member must also establish a direct deposit and have received $500 in direct deposits within the first 60 days of establishing their membership and enroll in digital banking

    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

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

    Early Account Termination Fee

    I didn’t see any EATF in the fee schedule. 

    Our Verdict

    This bonus requires a referral, do not share your referrals in the comments below. You can share them in this linked thread instead. Share your experiences in the comments below. 

    Hat tip to reader Kiwi

    Useful posts regarding bank bonuses:

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    William Charles

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  • [OH only] CODE Credit Union $400 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: Limited to the OH counties: Montgomery, Darke, Preble, Warren, Miami, Clark and Greene.
    • Direct deposit required: Yes, no minimum
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: $2 avoidable
    • Early account termination fee: Unknown
    • Household limit: None listed
    • Expiration date: 10/31/25

    The Offer

    Direct link to offer

    • CODE Credit Union is offering a $400 bonus when you open a new checking account and complete the following requirements:
      • Open a Cash Back Checking account by 10/31/25
      • Enroll in eStatements
      • Obtain a CODE VISA Debit Card
      • Maintain an average daily balance of $1,000
      • Set up and receive direct deposits totaling $1,000 or more within 60 days

    The Fine Print

    • To receive a $400 cash bonus, open a new Cash Back Checking account with select services (estatements, debit card and direct deposits totaling at least $1,000 within 60 days of account opening) by October 31, 2025.
    • To receive a $300 cash bonus, open a new Smart Saver Checking account with select services (estatements, debit card and direct deposits totaling at least $500 within 60 days of account opening) by October 31, 2025.
    • The cash bonus will be deposited upon verification of select services. Offer valid for new checking accounts only.
    • Must not have had a previous checking account with CODE Credit Union within the last 12 months. Limit one promotional bonus per member.
    • Bonus may 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

    Cash back checking has no monthly fee with eStatements +$1,000 balance. Otherwise there is a $5 paper fee and $5 monthly service fee. 

    Early Account Termination Fee

    I wasn’t able to find a fee schedule so unsure if there is an early account termination fee or not.

    Our Verdict

    Better than the previous $100 referral bonus and $200 bonus. We will add this to our list of the best checking bonuses. 

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

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    William Charles

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  • [LA] BankPlus $250 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: Must open in a BankPlus branch in Louisiana. 
    • Direct deposit required: Yes, $500+
    • Additional requirements: See below 
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None 
    • Early account termination fee: Unknown 
    • Household limit: None 
    • Expiration date: 11/30/25

    The Offer

    Direct link to offer

    • BankPlus is offering a $250 bonus when you open a new personal checking account and complete the following requirements in the first complete statement cycle:
      • Receive one direct deposit of $500 or more (must be posted and cleared)
      • Make five debit card purchases using the debit card tied to your new account (posted and cleared)
      • Have enrolled in BankPlus Online Banking

    The Fine Print

    • During the first complete statement cycle following the month the account is opened, you must:
      • Have at least one direct deposit of $500 or more posted and cleared to the new account
      • Complete 5 debit card purchases using the debit card associated with the new account, posted and cleared
      • Have Enrolled in BankPlus Online Banking

       

    • Direct deposits do not include internal transfers, transfers from an individual using online banking, or an internet payment provider (e.g., PayPal). Deposits made with a teller or ATM are not considered direct deposits. 
    • Bonuses will be credited to eligible accounts by January 31, 2026. Accounts must remain open to receive the bonus. The bonus is considered interest and will be reported to the IRS on Form 1099-MISC. Offer available only to those who are Mississippi residents. Limit one bonus per individual for this promotion. Employees of BankPlus are not eligible.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    CareFree checking has no monthly fees to worry about. 

    Early Account Termination Fee

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

    Our Verdict

    Please share your experiences in the comments below. There is also a $110 business checking bonus. 

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

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    William Charles

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

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

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

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    Free checking has no monthly fees to worry about.

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Jesse

    Useful posts regarding bank bonuses:

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    William Charles

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  • [Ada County or Canyon County, ID] Tech CU $500 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount:
    • Availability: must (a) live, regularly work, regularly worship, or currently attend school in Ada County or Canyon County
    • Direct deposit required: Yes, $1,500+ per month for six months
    • Additional requirements: No
    • Hard/soft pull: Soft
    • ChexSystems: Unknown
    • Credit card funding: Up to $125, Visa/MC/Discover
    • Monthly fees: None
    • Early account termination fee: Nine months, bonus forfeit
    • Household limit: None listed
    • Expiration date: 12/31/2025

    The Offer

    Direct link to offer

    • Tech CU is offering a $500 bonus when you open a new checking account and complete the following requirements for six months: 
      • receive $1,500 or more in direct deposits
      • Post at least 5 debit card transactions

    The Fine Print

    • *To be eligible for the Idaho Grand Opening Offer (IDGO) you must (a) live, regularly work, regularly worship, or currently attend school in Ada County or Canyon County, (b) be related to or live with a current Tech CU Member or, (c) be employed by a Tech CU Member Company or affiliated organization.
    • To qualify for $500, open a new Tech CU checking account by 12/31/2025 and, for six consecutive calendar months, (1) receive $1,500 or more in direct deposits (excluding bank-to-bank transfers) in any account and (2) post at least 5 debit card transactions. The first direct deposit and first five debit card transactions must be posted within the first two calendar months after account opening.
    • For example, if your opening date was 3/5/25, you would need to have received direct deposits of at least $1,500 and posted 5 debit card transactions by 4/30/25.
    • A $500 credit will post to the checking account and be available for withdrawal on the first of the month following the last month of all requirements being fulfilled.
    • If the checking account is closed less than 6 months after account opening, or the required minimum transactions are not completed, the $500 account credit and any dividends will be forfeited. Must be 18 years or older.
    • Offer valid only for individuals who open new to Tech CU checking accounts and are in good standing.
    • Offer not available on Health Savings Accounts or Business Accounts.
    • Rates and terms subject to change without notice. At Tech CU’s discretion, this offer may not be combined with other Tech CU offers, discounts, or promotions.
    • 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

    Our Verdict

    Shame it’s so restricted, but otherwise a good deal and will be added to our highly location restricted bank bonus area. 

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

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    William Charles

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  • [MN] Bank of Elk River $350/$500 Checking Bonus – Doctor Of Credit

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    Update 8/31/25: Deal is back until October 31, 2025. Hat tip to reader FlyingBoat

    There is a new $300 bonus, but seems targeted.

    doesn’t start until Tuesday, 7/15

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: MN only
    • Direct deposit required: $1,000 for $350 bonus and $3,500 for $500 bonus 
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: $6, avoidable
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: October 31, 2025

    The Offer

    Direct link to offer

    • Bank of Elk River is offering a $350/$500 bonus when you open a new checking account.
      • Use promo code WELCOME
      • Deposit $3,500 or more in qualifying electronic deposits (such as your paycheck or government benefit payment that has posted to your account) for a $500 bonus ($1,000 or more for a $350 bonus) within 90 days of account opening
      • Enroll in eStatements

    The Fine Print

    • (1) Offer is for new personal checking customers only (cannot have a personal checking account closed within the previous 6 months) and is available only to the account primary owner.
    • (2) Between July 15, 2025 and October 31, 2025, open a new personal checking account, which is subject to approval, using offer code WELCOME and deposit $3,500 or more in qualifying electronic deposits (such as your paycheck or government benefit payment that has posted to your account) for a $500 bonus ($1,000 or more for a $350 bonus) within 90 days of account opening.
    • (3) Primary account owner must enroll in eStatements for checking account.
    • (4) After 90 days, if all requirements have been met we will deposit the bonus into your new account within 30 days.
    • The account must be in an active, open status when we try deposit the bonus.
    • The bonus is considered interest and will be reported on IRS Form 1099-INT.
    • This offer may be discontinued or changed at any time without notice. $50 minimum opening deposit required.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Everyday checking has a $6 monthly fee. Waived with any of the following:

    • Keeping a minimum daily balance of $100+, or
    • Receiving direct deposit(s) of $500+ per statement cycle, or
    • If the primary account holder is age 24 or younger

    Early Account Termination Fee

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

    Our Verdict

    Much better than the $100 bonus in the past. Still need to know if it’s a hard or soft pull to open.

    Hat tip to Elijah B

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  • Current $150 Referral Checking Bonus + Portal – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $150 + portal
    • Availability: Nationwide
    • Direct deposit required: Yes, $200+
    • Additional requirements: None
    • Hard/soft pull: Soft pull
    • ChexSystems: No
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None listed
    • Expiration date: 9/1/25

    The Offer

    Direct link to offer (this is where you can find and share your referral links)

    • Current is offering a referral bonus. Person being referred is offered $150 (some links are for less, so becareful) and the person referring receives $150/$100. 
      • Use referral code before setting up a direct deposit
      • Receive an eligible payroll deposit of $200+ within 45 days
    • Can possibly be stacked with a shopping portal. Open via shopping portal → once account is open, in the Current app go to Account → Rewards → Add Code → enter referral code → app confirms code applied. Best portal rates here. 

    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

    There is no monthly fee anymore

    Early Account Termination Fee

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

    Our Verdict

    Please do not share your referrals in the comments below, you can share them in this linked thread instead. Bonus has been higher in the past. I do think this is worth doing, especially if you know the person who’s link you’re using. We will add this to our list of the best bank account bonuses. 

    Hat tip to reader favo, use their link here.

    Useful posts regarding bank bonuses:

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  • [UT] Cyprus Credit Union $200 Teen Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: UT
    • Direct deposit required: Yes, $300+
    • Additional requirements: No
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee: $10, 90 days
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Cyprus Credit Union is offering a $200 bonus when you open a teen checking account. Bonus is broken down as follows:
      • $50 for opening a new checking account.
      • $100 for completing the Teen Learn & Earn skills in Home Banking:
      • $50 for setting up direct deposit after getting first job.

    The Fine Print

    • Must be age 13 or older to enroll in Home Banking and the Learn and Earn learning platform. Primary account holder (the teen) must complete the following skills under their own Home Banking login before their 19th birthday to qualify: Teen Learn & Earn: Savings, Teen Learn & Earn: Spending Smart, and Teen Learn & Earn: Budgeting. $100 will be deposited into account within 30 days of completing required skills. 
    • Direct deposit must begin prior to 19th birthday to qualify. Direct deposit must be an electronic deposit of paycheck or benefits from an employer or government entity to the Learn & Earn Checking account to qualify. $50.00 will be deposited into account within 30 days of eligible direct deposit.
    • 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

    According to the fee schedule there is a $10 fee if closed within 90 days

    Our Verdict

    Don’t think I’ve ever seen a teen checking bonus that required a direct deposit, at least it’s not required for most of the bonus.  We will add this to our list of the best bank account bonuses. 

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

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

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

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

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

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

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

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

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Our Verdict

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

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

    Useful posts regarding bank bonuses:

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  • [FL only] GTE Financial $200 Referral Checking Bonus – Doctor Of Credit

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    Offer at a glance

    The Offer

    Direct link to offer

    • GTE Financial is offering a referral bonus ($200 for new member, $50 for person referring). Person being referred must enter the referral code and 
      • Fund with a minimum of $100 within 10 days of opening the account
      • Direct deposit must hit the account, totaling $2,000 during the promotional period

    The Fine Print

    • Referral incentives cannot be combined with other offers or incentives. Both members’ accounts (the existing member referrer and the new referred member) must be active and in good standing, including no prior charged-off account to receive a referral payment.
    • Both members must be a primary accountholder, must be at least 18 years old and Florida residents.
    • The referring member can earn an unlimited $50 payout upon qualification. The referred, new member can only earn one (1) $200 payout upon qualification.
    • The referred member must not have had any relationship with GTE Financial in 2024 or 2025, to qualify as a new member.
    • The new member must fund a member owner share account with $5, open a regular share account, and open a qualifying product, with all requirements met, during the promotional time period of 7/14/2025 and 10/31/2025. 
    • Referral code must be accurately inputted or applied at the new member application time to qualify (it cannot be added at a different time, and the unique referral code must match the existing member accurately).
    • If the existing member receives payment for the $25 Refer-a-Friend program during the promotional time period, final referral payout for this promotion will be adjusted, as offers cannot be combined.
    • Payment may also be denied if it is determined that the system has been “gamed” or manipulated whereby accounts are not genuine.
    • Legal action may be pursued.
    • Promotion is subject to change or cancellation without notice. Payouts will occur by the 3rd week in November 2025 into the members’ primary share account.
    • GTE Financial and its employees, affiliates, subsidiaries, and agents are not responsible for: technical failures or errors related to the referral code and application process; late or incomplete applications; any injuries, losses, or damages caused by participation. 
    • Direct deposit must be intact and active at the time of payment to receive the referral payout. Please note, direct deposit must hit the account during the promotional time period; timing for direct deposit set-up and payment is variable and contingent on the employer.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Go full access has a $4.95 fee that can be waived by enrolling in eStatements AND making $500 in aggregate deposits per month OR making a combination of 15 monthly debit and/or credit card transactions.

    Early Account Termination Fee

    Closed Account Within 180 Days: $25 fee (or balance if <$25)

    Our Verdict

    Not really worth considering as there was recently a $300 checking bonus with requirements that are easier to meet. Do not share your referrals in the comments below. We won’t be adding this to the best bank account bonus page. 

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  • [NJ, NY & PA] OceanFirst Bank $500 Checking Account Bonus – Doctor Of Credit

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    Update 8/19/25: New link available for $500 instead of $300. Same requirements. 

    Update 8/17/25: Deal is back until 09/26/25. This time until for $300. Hat tip to reader PS

    Offer at a glance

    • Maximum bonus amount: $235
    • Availability:  New Jersey, New York & Pennsylvania
    • Direct deposit required: Yes, $500+ per month
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Unknown, sensitive (might not be sensitive in branch)
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: 12 months, bonus forfeit
    • Household limit: None listed
    • Expiration date: 12/31/22

    The Offer

    Direct link to offer

    • OceanFirst is offering a bonus of $500 when you open a new free style checking account and complete the following requirements:
      • At least two cycles of an electronic recurring direct deposit of $500 or more has posted to the account
      • eStatements is elected
      • Accountholder is active on the OceanFirst Bank mobile app within 30 days leading up to the bonus payout date

     

    The Fine Print

    • Promotion runs 09/06/22 through 12/31/22.
    • Offer available for New FreeStyle Checking account customers only.
    • Account must be opened with funds not currently on deposit at OceanFirst Bank.
    • Eligibility for the $235 bonus requires that all three of the following conditions are met: At least two cycles of an electronic recurring direct deposit of $500 or more has posted to the account, eStatements is elected and the accountholder is active on the OceanFirst Bank mobile app within 30 days leading up to the bonus payout date.
    • Bonus will be paid on the first business day after your 90-day account opening anniversary.
    • All cash bonuses are taxable.
    • $50 minimum to open any OceanFirst checking account.
    • FreeStyle Checking features no monthly minimum balance requirement.
    • Account must remain open and active for one year or bonus will be forfeited. All Annual Percentage Yields (APYs) on interest-bearing accounts subject to change.
    • 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

    Bonus forfeit if closed within 12 months

    Our Verdict

    Not as good as the most recent $250 deal with no direct deposit required. But that hasn’t been available since 2019 so if you live in an eligible area then this deal is worth doing. We will add this to our list of the best checking bonuses.

    Hat tip to Bockrr

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  • [TX, Travis County] Star of Texas Credit Union $100 Checking Bonus – Doctor Of Credit

    [TX, Travis County] Star of Texas Credit Union $100 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $100
    • Availability: Lives, works, worships, or attends school in Travis County.
    • Direct deposit required: Yes
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Star of Texas Credit Union is offering a $100 bonus when you open a new checking account and complete the following requirements:
      •  Join Us: Visit any Star of Texas Credit Union branch or apply online.
      • Get $25 to Start! At the time of joining, you will receive a $10 Savings deposit to activate your Membership Account + $15 to your Checking
      • Set Up Direct Deposit: Have your paycheck, pension, or government benefits directly deposited into your new account
      • Use Your Debit Card: Make at least (10) purchases with your new Star of Texas Credit Union debit card.
      •  Go Paperless: Enroll in eStatements to keep your account information secure and reduce paper waste.

    The Fine Print

    • This offer is available to new members only.
    • Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits.
    • Debit card transactions must be purchases; ATM withdrawals and transfers do not count.
    • The $25 will be credited to your account after successful activation and eligibility of membership account. The remaining $75 bonus will be credited to your account within (30) days after completing all required activities.
    • The account must remain open and in good standing for at least (90) days to receive the bonus.
    • Limit one bonus per new member and per account.
    • The offer is subject to change and may be discontinued at any time without notice.
    • Star of Texas Credit Union employees and their immediate families are not eligible for this promotion.
    • 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 mention of any EATF in the fee schedule.

    Our Verdict

    Share any datapoints you have in the comments below.

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    William Charles

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

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

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

    Offer at a glance

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Referral Bonus

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

    Our Verdict

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

    Hat tip to ShawntheShawn

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  • [WI only] WaterStone Bank $200 Checking & $100 Savings Bonus – Doctor Of Credit

    [WI only] WaterStone Bank $200 Checking & $100 Savings Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount:$300
    • Availability: Wisconsin only
    • Direct deposit required: Yes
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: Avoidable
    • Early account termination fee: 180 days, bonus forfeit
    • Household limit: One
    • Expiration date: 10/31/24

    The Offer

    Direct link to offer

    • WaterStone Bank is offering a bonus of up to $300. Bonus is broken down as follows:
      • Open a new checking account with direct deposit to earn $200
      • Add on a new savings or money market account and get an extra $100. Must deposit $5,000 at opening

    The Fine Print

    • $200.00 Automatic Deposit bonus offer requires a $500.00 minimum recurring automatic deposit of payroll or government benefits to be received within 60 calendar days of account opening and will be credited to the checking account on the first statement cycle* after the direct deposit is received. A $200.00 payback fee will be imposed if the checking account is closed within 180 calendar days of account opening. Fees may reduce earnings. Offer applies to new checking account customers only, is redeemable at any branch location, cannot be combined with other offers, is limited to one per household, and does not apply to individuals that closed a WSB checking account within the past 180 calendar days.
    • $100.00 Money Market Account Bonus requires $5,000.00 or more opening deposit and a Universal checking account to receive bonus. Bonus will be credited to the money market account within 60 calendar days of account opening. A $100.00 payback fee will be imposed on your money market account if either the money market account or Universal checking account is closed within 180 calendar days of account opening.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    • Universal Checking has $1000 minimum average balance else $25/month fee
    • Savings has $100 minimum average balance else $5/month fee

    Early Account Termination Fee

    If account is closed within 180 days you forfeit the bonus.

    Our Verdict

    Not a bad deal if you live in an eligible area.

    Hat tip to reader TonyBank

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

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

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    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    Free 4 me has no monthly fees to worry about.

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to ShawntheShawn

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