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Tag: direct deposit required

  • [VA & MD] Northwest Federal Credit Union $400 Checking Bonus – Doctor Of Credit

    [VA & MD] Northwest Federal Credit Union $400 Checking Bonus – Doctor Of Credit

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    Update 11/23/23: Deal is back and valid until 11/30/23.

    Update 6/24/20: Deal is back and valid until July 15th, 2020. Hat tip to Econ0mist

    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: VA, MD
    • Direct deposit required: Yes, at least three direct deposits of $500+ each
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $520
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: December 31st, 2019 July 15th, 2020

    The Offer

    Direct link to offer

    • Northwest Federal Credit Union is offering a bonus of $300 when you open a new checking account in branch and complete the following requirements:
      • Make a minimum deposit of at least $50* in ACH or direct deposits per month for three months

     

    The Fine Print

    • Limited time offer available 11/1/2023 – 11/30/2023.
    • To earn a $400 deposit into your checking account during the first 90 days after opening your first ever consumer checking account with Northwest Federal, you must: be 18 years of age or older, be in good standing, and make a minimum of $500 in direct deposits or ACH deposits into the checking account each month for three months. If all requirements are met and once your checking account has been open for 90 days, you will receive your deposit into the checking account within 30 days. Cannot be combined with other offers. APY = Annual Percentage Yield. Elite Checking has an APY of .07% if $1,000 or more is deposited each month, and Kasasa Cash® Checking has an APY ranging from 4.00%-1.38% depending on the account balance (assumed balance of $100,000 used for example). Kasasa Cash® Checking requires $100 minimum deposit to open and qualifications must be met to earn dividends. Choice Checking and Kasasa Cash Back® Checking also eligible for bonus. Fees may reduce earnings on accounts. Rate may change after the account is opened. Member responsible for possible tax implications. Rates current as of 10/31/2023 and are subject to change without notice.

    Avoiding Fees

    Monthly Fees

    Choice checking has no monthly fees to worry about.

    Early Account Termination Fee

    There is no mention of an early account termination fee in the fee schedule.

    Our Verdict

    Nice big bonus, now that we know it’s a soft pull to open the account we will be adding this to our list of the best checking bonuses.  If anybody goes for this bonus, share your experiences in the comments below.

    Useful posts regarding bank bonuses:

    Post history:

    • Update 2: No longer in branch only, might be available to people outside of VA & MD but YMMV.
    • Update 11/9/19: Bonus is back and valid until December 31st, 2019
    • Update 10/20/18: Reposting as it’s confirmed to be a soft pull.

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    William Charles

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  • [VA, OH & PA only] Dollar Bank $300 Checking Bonus – Doctor Of Credit

    [VA, OH & PA only] Dollar Bank $300 Checking Bonus – Doctor Of Credit

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    Update 11/19/23: Extended until 12/31/23.

    Update 11/13/23: Extended until 11/18/23.

    Update 9/11/23: Extended until 10/31/23.

    Update 6/5/23: Extended until 8/31/23.

    Update 3/1/23: Extended until 4/30/23.

    Update 1/25/23: Deal is back and valid until 2/28/23.

    Update 9/11/22: Extended through  10/31/22.

    Updated 7/4/22: Extended through 8/30/22.

    Update 5/2/22: Extended through 6/30/22.

    Update 3/27/22: Extended until April 30th, 2022.

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: OH, VA & PA
    • Direct deposit required: Yes, $5,000+
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: $5, avoidable
    • Early account termination fee: Need to keep account open for one year to get full bonus
    • Household limit: One
    • Expiration date: March 31st, 2020 July 31st, 2020 September 30, 2020 December 31, 2020 March 31, 2021 April 30, 2021

    The Offer

    Direct link to offer : VA | OH | PA

    • Dollar Bank is offering a bonus of $300 when you open a new checking account with promo code CHK22 and complete the following requirements:
      • Get $200 in Mastercard debit card rebates with a total of $2,500 in direct deposits within 90 days of account opening.
      • And, get $100 after your one-year anniversary of account opening.

    The Fine Print

    • To qualify for the offer, an Everything Checking account must be opened by 3/31/20.
    • Offer is for new checking customers only.
    • Those who had an open checking account within the past 180 days are not considered to be new customers and are not eligible for the offer.
    • Up to $400 is available in one $100 Mastercard debit card rebate, one $200 credit, and one $100 credit. To receive the $100 Mastercard debit card rebate, the account must receive cumulative direct deposits of $1,000 or more within 90 days of account opening and the account must be in good standing.
    • The $100 Mastercard debit card rebate will be added to the new checking account within 40 days of the qualifying cumulative direct deposits.
    • To receive the $200 credit, the account must receive cumulative direct deposits of $5,000 or more within 90 days of account opening and the account must be in good standing.
    • The $200 will be credited to the new checking account within 40 days of the qualifying cumulative direct deposits.
    • The $100 credit will be applied within 2 months of the 1-year anniversary of account opening provided the account qualified for the $100 debit card rebate, is active, in good standing and is in a qualifying plan.  Maximum amount is $400 per account and one per household.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Everything Checking Account $5 Monthly

    The Everything checking account has a $5 monthly fee, it’s waived if either of the following conditions is met:

    • Six payments via check, Online Banking bill payments, Telephone Banking bill payments, ACH debit, or Point of Sale transactions (both signature or PIN based) posted to the account.
    • You have an average checking balance of $2,500 or more

    Early Account Termination Fee

    Need to keep account open for one year to get full bonus, but $25/180 EATF otherwise.

    Our Verdict

    Bigger bonus we’ve seen before is $400. This is a slightly different offer, but still very much worth doing in my opinion. It’s annoying you need to keep the account open for a full year to get the full bonus. I’ll be adding this to our list of the best checking bonuses.

    Hat tip to reader Derek D

    Useful posts regarding bank bonuses:

    Post history:

    • Update 8/9/21: Deal is back and valid until 9/30.
    • Update 6/5/21: Deal is back and valid until 7/31/21.
    • Update 4/24/21: $300 offers all dead, dollar.bank/ads/200-va.
    • Update 4/13/21: Extended until April 30, 2021.
    • Update 2/2/21: Deal is back and valid until March 31, 2021. Bonus is now only $300 instead of $400. Because of that I would recommend waiting. Hat tip to reader Gadget.
    • Update 11/3/20: Extended until December 31, 2020
    • Update 10/11/20: Deal available again until October 31. Hat tip to Xinqing W
    • Update 8/25/20: Deal available again until August 31. Hat tip to Gadget
    • Update 5/30/20: Extended until July 31st, 2020.
    • Update 3/28/20: Deal has been extended until 5/30/20. Hat tip to reader Don B

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    William Charles

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  • [TN only] Pinnacle Financial Partners $200 Mastercard Checking Bonus – Doctor Of Credit

    [TN only] Pinnacle Financial Partners $200 Mastercard Checking Bonus – Doctor Of Credit

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    Update 11/19/23: Bonus is now $200 + be entered into the Grizzmas Floor Seats Drawing. Hat tip to Samantha

    Update 1/8/22: Deal is back. Hat tip to reader Andrew D

    Offer at a glance

    • Maximum bonus amount: $200 Mastercard gift card
    • Availability: Presumably TN only, but the reader who sent it in tried a dummy Alaska address and it seemed to accept it so YMMV? Update: Looks like they are requiring most people to go in branch to verify identity so make sure you have a branch not too far away [Branch locator]
    • Direct deposit required: Yes, must be full paycheck or government benefits
    • Additional requirements: Minimum opening deposit of $100+
    • Hard/soft pull: Unknown 
    • ChexSystems: Unknown, ChexSystems sensitive
    • Credit card funding: None
    • Monthly fees: $3, avoidable
    • Early account termination fee: None
    • Household limit: One
    • Expiration date: Direct deposit must post and clear by June 30th, 2020 July 31st, 2020 August 31, 2020 February 28, 2021

    The Offer

    Direct link to offer

    • Pinnacle Financial Partners is offering a checking bonus of up a $200 Mastercard gift card when you complete the following steps:
      • Open account online or in branch
      • Make a minimum deposit of $100
      • Set up a recurring direct deposit of your full payroll (or gov’t benefits) to your new account. One recurring direct deposit must post and clear your account by March 1, 2024

    The Fine Print

    • Offer expires August 31, 2018.
    • This offer is for new Pinnacle checking households, or for households that have not had an open Pinnacle consumer checking account for at least 24 months.
    • Limit one bonus per household. Cannot be combined with other offers.
    • Must be 18 or older at time of account opening.
    • Offer is non-transferable.
    • Account is subject to approval.
    • To receive the $200 Mastercard® gift card, you must (1) open your account with $100, and (2) have at least one recurring direct deposit post and clear your account before Aug. 31, 2018.
    • Direct deposit is a recurring electronic deposit and must be your full payroll or government benefits.
    • The Mastercard gift card will be mailed to you via USPS within 2-4 weeks of meeting the qualified requirements.
    • Mastercard is a registered trademark of Mastercard International Incorporated.
    • Please note: there is a monthly inactivity fee of $2.95 after 12 months of inactivity on your Mastercard gift card.
    • Bonus will be reported as income on IRS Form 1099-INT and is valued at $200 total.

    Avoiding Fees

    The easiest account to keep fee free is the Grizzlies Basic Checking account, this has a $3 monthly service fee that is waived with eStatements. Fee schedule says there is no early account termination fee.

    Our Verdict

    Previously they have offered $100 in Grizzlies tickets or $200 in titans gear. This deal is much better as the $200 gift card is much more flexible. We need to know whether it’s a soft pull to open and how flexible they are on the direct deposit requirement (e.g do any work arounds work?) before knowing if this is a good deal or not. Maybe it’s possible to fund with a credit card as well? If anybody knows or has any experience with this bank then please share in the comments below. For now I won’t be adding it to the best bank bonuses due to all the unknowns but it has the potential to be a goood deal.

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

    Useful posts regarding bank bonuses:

    Post history:

    • Update 5/2/20: Deal is back and valid until June 30th, 2020.

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    William Charles

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

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    Basic checking account has no monthly fees.

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

    Early Account Termination Fee

    Unsure if there are any early account termination fees.

    Our Verdict

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

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

    Useful posts regarding bank bonuses:

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    William Charles

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  • [MI only] AAC Credit Union $200 Checking Bonus – Doctor Of Credit

    [MI only] AAC Credit Union $200 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: MI
    • Direct deposit required: Yes, $500 minimum
    • Additional requirements: Yes, see below
    • Hard/soft pull: Unknown 
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: One
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • AAC Credit Union is offering a $200 bonus when you open the Total Package. This requires the following, open new Free & Easy checking account and within 60 days also
      • Activate your debit card and make at least one debit card transactions in the first 30 days
      • Go paperless (must log into online banking to accept)
      • Start recurring direct deposit to AAC ($500 monthly minimum)

    The Fine Print

    • Must be a new AAC Credit Union member, or not currently have a checking, debit card, and direct deposit.
    • Must be 18 years or older.
    • Requirements must be completed within 60 days of opening. Paperless means receiving electronic statements and notices.
    • Direct deposit must be recurring (more than a one-time deposit). One per new member.
    • 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 on their Free & Easy checking account.

    Early Account Termination Fee

    There is no early account termination fee that I can see listed in the fee schedule.

    Our Verdict

    Been a long time since we’ve seen a bonus from AAC. It’s nice that this one can be opened online as well. If anybody decides to go for the bonus share your experiences in the comments below.

    Useful posts regarding bank bonuses:

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    William Charles

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  • [KS & MO only] CommunityAmerica Credit Union $200 Checking Bonus – Doctor Of Credit

    [KS & MO only] CommunityAmerica Credit Union $200 Checking Bonus – Doctor Of Credit

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    Update 11/11/23: Deal is back and valid until 12/10/2023.

    Update 7/4/22: Extended until 07/17/2022.

    Update 5/12/22: Deal is back, but now for $200 instead of $150.

    Offer at a glance

    • Maximum bonus amount: $150
    • 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, $250+
    • Additional requirements: eStatements & provde e-mail address
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: At least $5,000
    • Monthly fees: None
    • Early account termination fee:
    • Household limit: None listed
    • Expiration date: October 31, 2020 December 31, 2020 6/30/2022

    The Offer

    Direct link to offer

    • CommunityAmerica Credit Union is offering a bonus of $200 when you open a new Chiefs checking account and complete the following requirements within 45 days of account opening:
      • Provide your email address.
      • Enroll in eStatements.
      • Set up a recurring monthly direct deposit of at least $250, not aggregated.

     

    The Fine Print

    • The direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Popmoney) are not considered a direct deposit.
    • Within 30 days of meeting qualification requirements, a $150 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 $150 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

    This account has no monthly fees to worry about.

    Early Account Termination Fee

    I don’t see any early account termination fee mentioned. Last time this bonus was offered the accounts need to stay open for six months otherwise bonus was forfeited.

    Our Verdict

    Not really worth considering due to the hard pull, previously we’ve seen the same bonus with no direct deposit requirement as well. Because of this we won’t add this to our best bank bonus page.

    Useful posts regarding bank bonuses:

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    William Charles

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  • [ME Only] TruChoice Federal Credit Union $400 Checking Bonus – Doctor Of Credit

    [ME Only] TruChoice Federal Credit Union $400 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: If you live, work, worship or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset or York County in Maine, or if you have an immediate relative who is a member, you’re eligible for membership
    • Direct deposit required: Yes, $2,000+
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • TruChoice Federal Credit Union is offering a $400 checking bonus when you open a new checking account and complete the following requirements:
      • Receive direct deposits totaling $2000 or more within 90 days of account opening

    The Fine Print

    • *Offer valid for new members only. To be eligible you must open a checking account and make direct deposits totaling $2000 or more within 90 days of account opening**.
    • The $400 checking bonus does not require any additional activities.
    • The cash bonus will be deposited into your primary savings account the last week of the statement month following your qualifying time period.
    • In order to receive the cash bonus, your checking account must be open and in good standing.
    • No minimum deposit required to open a checking account.
    • Bonus will be reported to IRS as required by applicable law.
    • Offer valid for a limited time and may be withdrawn at any time.
    • Terms and conditions subject to change.
    • Eligible Direct Deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers are not considered an eligible Direct Deposit for bonus eligibility 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 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

    Not sure how strict they are on the direct deposit or if it’s a hard or soft pull but still should be worth doing for most readers if you live in an eligible area.

    Useful posts regarding bank bonuses:

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    William Charles

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  • [AL, FL, GA, MD, NC, SC, TN, VA] Ameris Bank $300 Checking Bonus – Doctor Of Credit

    [AL, FL, GA, MD, NC, SC, TN, VA] Ameris Bank $300 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Might be nationwide, otherwise AL, FL, GA, MD, NC, SC, TN, VA
    • Direct deposit required: Yes, $1,000+
    • Additional requirements: None
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown, sensitive
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: $30, 90 days
    • Household limit: None listed
    • Expiration date:  2/29/2024

    The Offer

    Direct link to offer

    • Ameris Bank is offering a bonus of $300 when you open a new free checking account and complete the following requirements:
      • Enroll in e-statements
      • Receive qualifying direct deposits totaling $1,500 or more into your account within 90 days of account opening

    The Fine Print

    • This offer is for new consumer checking account customers only. All signers on the account must be new customers to qualify. Bonus offer is limited to one new Free Checking account per eligible customer. Excludes bank employees, officers and directors, and existing consumer checking account customers, including customers that have closed an account in the past 90 days. Customers that have been paid an Ameris Bank promotional payment in the past 24 months are not eligible.

       

    • To receive $300 bonus: Open a new Free Checking or Online Free Checking account and within 90 calendar days of account opening (90-day period), complete the following:
      Register for online banking and enroll your new account in e-statements, and
      Receive at least $1,500 in qualifying direct deposits into the account. Direct deposits must be an automatic recurring electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. A Direct deposit is considered received on the date it posts to your account. Other types of electronic deposits such as person to person payments, as well as transfers from one account to another, mobile deposits, or deposits made at a branch, or ATM do not qualify as a direct deposit.
    • Bonus Payment: At the end of the 90-day period, we will determine if you have met the bonus offer requirements and deposit any earned bonus into your account within 30 days. Your account must be open and in good standing to receive bonus at time of payment. An account in good standing is defined as: open, funded, and not overdrawn. A bonus payment is considered interest and 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

    There is a $30 early account termination fee if closed within 90 days.

    Our Verdict

    Previous best deal was $100. Hopefully this is available nationwide and if it is I suspect it will end early.

    Useful posts regarding bank bonuses:

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    William Charles

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  • [ME Only] cPort Credit Union $100 Checking Bonus – Doctor Of Credit

    [ME Only] cPort Credit Union $100 Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $100
    • Availability: You or someone you know is eligible to join if you live or work in Maine and meet one of the following criteria
      • Live or work in Cumberland, Kennebec, Sagadahoc, Androscoggin, or York County.
      • A current or retired employee of the public sector, including local, state, county, or federal governments
      • A current or retired member of the armed services, National Guard, or reserves.
      • Anyone living in the same residence as an individual who is a member or is eligible to become a member.
    • Direct deposit required: Yes, net pay
    • Additional requirements: None
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: None

    The Offer

    Direct link to offer

    • cPort Credit Union is offering a $100 checking bonus when you open a new checking account and complete the following requirements:
      • Receive a new direct deposit of net pay into your account within 60 days

    The Fine Print

    • To be eligible you must start a new direct deposit of net pay into your account within 60 days. Terms and conditions subject to change.
    • Bonus will be deposited within ten business days of your 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

    Basic cPort Credit Union Checking 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

    Relatively small bonus and not much known about this bank, if you go for this bonus then share your experiences below.

    Useful posts regarding bank bonuses:

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    William Charles

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  • [FL, GA, IL, IN, KY, MI, NC, OH, TN, WV, SC] Fifth Third $350 Checking Bonus – Doctor Of Credit

    [FL, GA, IL, IN, KY, MI, NC, OH, TN, WV, SC] Fifth Third $350 Checking Bonus – Doctor Of Credit

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    Update 10/28/23: Bonus now $350. Hat tip to Etheostoma

    Update 5/1/23: Bonus now $225.

    Update 2/27/23: Bonus reduced to $275.

    Update 12/2/22: Bonus now $325. Better to wait for $375 to return.

    Update 9/17/22: Bonus is now $250. We have removed this from the best bank bonus page as previously it was $375.

    Update 7/4/22: Extended through September 30, 2022.

    Update 6/11/22: Bonus has been increased to $375.

    Update 5/2/22: Bonus is now $350 instead of $300. Direct deposit requirement reduced to $500 from $1,000.

    Update 4/2/22: Extended until June 30, 2022.

    Update 1/6/22: Extended until 03/31.

    Update 9/8/21: Deal is back and valid until December 31, 2021.

    Update 7/25/21: Deal is back and valid until Sep 30.

    Update 4/12/21: Deal is back until June 30, 2021.

    Update 1/6/2021: Deal is back and valid until March 31, 2021. Online opening no longer offered. Hat tip to reader AllwaysLearning22.

    Update 9/16/20: Deal is back and now requires $2,000 (or $1,000) in direct deposits unfortunately. Better to wait for the no direct deposit deal to return.

    Offer at a glance

    • Maximum bonus amount: $375
    • Availability: Only in the following states: FL, GA, IL, IN, KY, MI, NC, OH, TN, WV, SC (may be only for those within a 50-mile radius of a branch). A lot of the time you’ll need to go in branch to complete the account opening.
    • Direct deposit required: $500+
    • Additional requirements: None
    • Hard/soft pull: Soft
    • ChexSystems: Yes
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: None listed
    • Household limit: None
    • Expiration date: September 30th, 2017 December 31st, 2017. March 31st, 2018 June 30th, 2018 September 30th, 2018 December 31st, 2018 March 31st, 2019 April 30th, 2019 June 30th, 2019 October 31st, 2019. August 31, 2020. September 30th, 2020 October 31, 2020 December 31, 2020 March 31, 2021 Note these offers are known to expire earlier than the expiration date so do not leave it to the last minute.

    The Offer

    Direct link to offer

    • Fifth Third is offering a $350 bonus when you open a new Fifth Third Essential checking account when you complete the following requirements:
      • Make direct deposits totaling $500 or more within 90 days of account opening

     

     

    The Fine Print

    • Offer not available to existing checking or Express Banking customers or to those with a Fifth Third Checking or Express Banking account that has been closed within the last 12 months.
    • Bank reserves the right to limit each customer to one new account-related gift incentive per calendar year.
    • Essential Checking account must be opened between 1/1/2021 and 3/31/2021.
    • Bonus will be deposited into your new checking account within 10 business days of completing requirements.
    • Basic Checking, Express Banking and Business Checking accounts are excluded from this offer.
    • Bonus may be taxable as interest income and reported on IRS Form 1099-INT.

    Avoiding Fees

    Some states are able to open the Free Checking Account with Extra time (now called Momentum checking), that’s the best option if available. Kentucky, Ohio, Indiana, Illinois, and Michigan all have the free option. Other states have another free checking offer.

    Early Account Termination Fee

    This account does not have an early account termination fee

    Our Verdict

    Fifth Third used to to offer a $300 bonus with no direct deposit or a $500 bonus with a direct deposit but neither of those offers have been seen since 2019. The standard bonus has been $300, so this is an increased offer by $50. We will be adding this to our best bank bonus page.

    Useful posts regarding bank bonuses:

    Post history:

    • Update: Some offers now requiring direct deposit, make sure to triple check your offer.
    • Update 6/12/20: Deal is back and valid until August 31, 2020. It looks like they are split testing offers though as I’ve seen offers for $50, $150 and $250 depending on the device I used. Make sure you see the $250 offer before applying, the $150 also has a direct deposit requirement whereas the $250 offer does not.  You can try using a VPN or clearing cookies to get the $250 offer to show. Hat tip to reader newbie & Ben
    • Update 1/4/20: Deal is back and valid until April 30th, 2020. This replaces the $500 deal. A lot of people will prefer this deal as it only requires $500 to be deposited rather than $20,000.
    • Update 7/1/19: Deal has been extended until September 30th, 2019
    • Update 5/20/19: Deal has been extended until June 30th, 2019. Hat tip to YAR
    • Update 1/6/19: Bonus is $250, I’d still recommend waiting for a bonus of $300 instead. There was also a recent $200 + $200 deal as well.
    • Update  07/01/18: Bonus has been extended until September 30th, 2018 but reduced to $200. I’d recommend waiting for the bigger $300 bonus to come back.
    • Update 04/02/18: Bonus is now $250 instead of $200. Can be opened online (e-mail yourself a coupon and then follow the prompts)
    • Update 01/07/18: Bonus is back but is now only $200 instead of $300. Might be worth waiting for a bigger bonus to come along.
    • Bonus has been increased to $300 and can be opened online again! Hat tip to reader Yaobang. Looks like $300 offer is only showing for some people, try incognito mode or google search for ‘Fifth Third’ or ‘Fifth Third $300’ and see if there is an ad for the offer or look at the comments for more ideas.

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    William Charles

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  • [MA only] East Cambridge Savings Bank $475 Personal/Business Checking Bonus – Doctor Of Credit

    [MA only] East Cambridge Savings Bank $475 Personal/Business Checking Bonus – Doctor Of Credit

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    Update 10/24/23: Added the personal and business checking bonus.

    Offer at a glance

    • Maximum bonus amount: $475
    • Availability: MA
    • Direct deposit required: Yes
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: 12/31/2023

    The Offer

    Direct link to offer (personal) | (business)

    • East Cambridge Savings Bank is offering a $475 personal checking bonus. Bonus is broken down as follows:
      • $300 when you
        • open a new East Cambridge Checking account at any of our 11 banking center locations or online
        • have direct deposits totaling $1,000 or more in each of the following 3 statement cycles
        • maintain a monthly average balance of $1,000 or more in each of the following 3 statement cycles
        • sign up for eStatements.
      • $450 when you
        • open a new East Cambridge Checking account at any of our 11 banking center locations or online
        • have direct deposits totaling $5,000 or more in each of the following 3 statement cycles
        • maintain a monthly average balance of $2,500 or more in each of the following 3 statement cycles
        • sign up for eStatements
      • You can also earn up to $25. $1 per debit transaction of $25+
    • East Cambridge Savings Bank is offering a $475 business checking bonus
      • open a new East Cambridge Business Checking account at any of our 11 banking center locations;
      • have at least 5 deposits with a minimum transaction amount of $500.00 or more in each of the following 3 statement cycles (deposits can be external, mobile, or in person)
      • maintain an a monthly average balance of $2,000.00 or more in each of the following 3 statement cycles
      • signup for eStatements. The Bonus will be deposited to your account during the 4th statement cycle.

    The Fine Print

    • Offer valid from 07/05/2023 through 12/31/2023.
    • You will not qualify for the Bonus if you are an existing East Cambridge Savings Bank Tax Reported Owner on any existing checking account or had a checking account in the past 60 days.
    • To earn the $300 New Consumer Checking Bonus, you must: 1) open a new East Cambridge Checking account at any of our 11 banking center locations or online; 2) have direct deposits totaling $1,000 or more in each of the following 3 statement cycles; 3) maintain a monthly average balance of $1,000 or more in each of the following 3 statement cycles; and 4) sign up for eStatements. The Bonus will be deposited to your account during the 4th statement cycle. To earn the $450 New Consumer Checking Bonus, you must: 1) open a new East Cambridge Checking account at any of our 11 banking center locations or online; 2) have direct deposits totaling $5,000 or more in each of the following 3 statement cycles; 3) maintain a monthly average balance of $2,500 or more in each of the following 3 statement cycles; and 4) sign up for eStatements. The Bonus will be deposited to your account during the 4th statement cycle. Additionally, you may earn $1.00 for each Point-of-Sale withdrawal with a transaction amount of $25.00 or more during each of the following 3 statement cycles with a maximum payout of $25.00. This additional Bonus will be deposited to your account during the 4th statement cycle. All Bonus Payouts are considered tax reportable and will be included on your 2023 1099 Tax Form.
    • 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

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

    Our Verdict

    Only ever seen a business checking bonus before. Kind of annoying that the requirements need to be met for three months but should still be worth doing for some.

    Useful posts regarding bank bonuses:

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    William Charles

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  • [CA only] BluPeak (Formerly USE Credit Union) $300 Checking Bonus – Doctor Of Credit

    [CA only] BluPeak (Formerly USE Credit Union) $300 Checking Bonus – Doctor Of Credit

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    Update 10/23/23: New $300 bonus:

    • $100 after opening
    • another $200 after one direct deposit
    • New promo code is Purpose

    Should also be nationwide if you donate $5.00 to KPBS.

    Hat tip to SA

    Update 12/28/22: Now called BluPeak.

    Update 3/30/22: There is now a landing page for this offer, should be available to all rather than specific addresses now. Hat tip to redvwmicrobus

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: CA only. Everyone who lives, works, or worships in the California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo.
    • Direct deposit required: Yes, $250+
    • Additional requirements: eStatements
    • Hard/soft pull: Soft pull (report of hard pull). Might be soft pull in branch and hard online
    • ChexSystems: Yes
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee: $15, 90 days
    • Household limit: None listed
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • USE Credit Union is offering a $300 checking bonus when you use the promo code NewMover. Bonus is broken down as follows:
      • $50 for opening a new checking account
      • $50 for setting up direct deposit of $250+ per month within 90 days of account opening
      • $100 for keeping account open six months (direct deposit must continue monthly)
      • $100 for keeping your account open one year (direct deposit must continue monthly)

     

    The Fine Print

    • Must be 18 years of age
    • Member must use code NewMover at account opening to receive this offer.
    • Bonus payments subject to tax
    • Must be a new USE Credit Union member and meet membership eligibility and account opening criteria
    • 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

    $15 fee if closed within 90 days of account opening according to the fee schedule.

    Our Verdict

    Previously the best bonus was a $100 referral bonus. Obviously this $300 bonus is much better but we don’t know if this is somehow targeted to specific addresses and mixed datapoints of hard/soft pull. Because of that we won’t be adding this to the best checking bonuses for now.

    Hat tip to Angela L

    Useful posts regarding bank bonuses:

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    William Charles

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