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Tag: fl bank bonuses

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    Both accounts offered have no monthly fee to worry about.

    Early Account Termination Fee

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

    Our Verdict

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

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    Post history:

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

    William Charles

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

    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:

    William Charles

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

    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. 

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL, AL] Tyndall Federal Credit Union $350 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [FL, AL] Tyndall Federal Credit Union $350 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $350
    • Availability: live, work, worship, attend school, or volunteer in the Panhandle of Florida or Southern Alabama
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None with eStatements
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: November 30, 2024

    The Offer

    Direct link to offer

    • Tyndall Federal Credit Union is offering a bonus of up to $650 when you open a new checking account and complete the following requirements:
      • $10 per Bill Payment of $30+ (up to $200)
      • $50 for logging in 12 times
      • $50 for 2 or more direct, mobile or ATM deposits ($500 cumulative)
      • $50 for having OR enrolling in e-Statements
      • 2% Cashback on your monthly spend (up to $300)

    The Fine Print

    • Members who make a bill payment of $30 or more using Tyndall’s Bill Pay tool in Online or Mobile Banking between September 1, 2024 and November 30, 2024 will receive a $10 minimum Giveback deposit per Bill Payment that is posted by November 30, 2024; get up to $200 Giveback deposited into their Share Account on December 11, 2024. The posting description will be Bill Pay: Thank You Giveback!.

       

    • Members that have or set up a Tyndall Direct Deposit 2 or more times totaling a minimum of $500, members that make a Mobile Deposit using Tyndall’s Mobile Deposit tool in Online or Mobile Banking 2 or more times totaling a minimum of $500, or members that make an ATM deposit into a Tyndall Account 2 or more times totaling a minimum of $500 deposited between September 1, 2024 and November 30, 2024 will receive a $50 minimum Giveback deposit into their Share Account on December 11, 2024. The posting description will be Direct Deposit: Thank You Giveback!.

       

    • Members who use their Tyndall debit or Tyndall credit card on purchases between September 1, 2024 and November 30, 2024 will receive 2% Cash Back; get up to $300 Giveback into their Share Account on December 11, 2024. The posting description will be Card Usage: Thank You Giveback!. Tyndall First Spend Accounts will continue to earn 1% Cash Back for their debit card usage in addition to the 2% Cash Back.
    • Members who have logged into Tyndall’s Online or Mobile Banking a minimum of 12 times between September 1, 2024 and November 30, 2024 will receive a $50 minimum Giveback deposit into their Share Account on December 11, 2024. The posting description will be Online Banking: Thank You Giveback!.

       

    • Members that have or enroll in Tyndall’s e-Statements between September 1, 2024 and November 30, 2024 will receive a $50 minimum Giveback deposit into their Share Account on December 11, 2024. The posting description will be E-Statements: Thank You Giveback!.

       

    • Members that have or open any Tyndall loan including Tyndall Credit Cards and loans paid-off between September 1, 2024 and November 30, 2024 will receive a $50 minimum Giveback deposit into their Share Account on December 11, 2024. The posting description will be Loan: Thank You Giveback!.

       

    • Members that qualify for one or more of the 6 ways will receive their Giveback deposit(s) based on each qualifying step earned (up to 6 deposits based on qualifying criteria completed between September 1, 2024 and November 30, 2024). All earned Giveback deposits will be posted to the primary membership/original open share account on December 11, 2024. For the Giveback deposit(s), limited to 1 per person (SSN); primary member only. Appeals will be open between December 11, 2024 and December 24, 2024. To Qualify: Members must have a good physical address on file and the account must be in good standing to receive a Giveback. Member must not have a derogatory history with Tyndall (currently delinquent on a loan by 30 days or more; a charged-off loan or share account on record; a bankruptcy on file; a workout loan; committed fraud and caused Tyndall a loss; or a negative share balance, not due to Courtesy Pay). Other restrictions may apply. The value of Giveback deposits may be taxable income to you, and we will report it as income to the tax authorities if required by applicable law. Please consult your tax advisor if you have questions about the tax treatment of Giveback deposits. Offer limited to one per member. Offer subject to change without notice. Restrictions apply. A Regular Share Account, with a minimum $5 share deposit, must be maintained to be a credit union member. Membership is required.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Classic checking has no monthly fees with eStatements.

    Early Account Termination Fee

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

    Our Verdict

    If you decide to go for this bonus please share your experiences in the comments below.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Citizens Bank One Deposit Checking Account $9.99 Monthly Fee

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Alex

    Useful posts regarding bank bonuses:

    William Charles

    Source link

  • [FL] Community Credit Union Florida $300 Checking Bonus + $200 Savings Bonus – Doctor Of Credit

    [FL] Community Credit Union Florida $300 Checking Bonus + $200 Savings Bonus – Doctor Of Credit

    Update 8/24/24: Deal is back and valid until November 1, 2024. 

    Update 5/25/24: Deal is back, there is also a $200 savings bonus now as well. Valid until August 2, 2024. 

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Restricted to the following FL counties: Brevard, Polk, Osceola, Volusia, Orange, Indian River
    • Direct deposit required: Yes, $2,500+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: April 26, 2024

    The Offer

    Direct link to offer

    • Community Credit Union Florida is offering a $300 checking bonus when the following requirements are met:
      • Open a new checking account with CCU Florida with promo code MK-$300Checking
      • Deposit $1,500 within 60 days of account opening.
      • Establish a monthly direct deposit of at least $1,500 for the next 90 days.
      • Sign up for free eStatements.
    • There is also a $200 savings bonus when the following requirements are met:
      • Open a new savings account with CCU Florida with promo code MK-$300Checking
      • Deposit a total of $15,000 or more into the new CCU Florida Share Savings account within 30 days of account opening.
      • Maintain a balance of $15,000 or more for 90 days.
      • Available for Membership Share Savings and Premium Share Savings only.

    The Fine Print

    • The promotional code MK-$300Checking must be mentioned at time of account opening or entered as a promo code in the online application when applying online.
    • Checking offer is not available to existing CCU Florida checking account holders or those who have closed an account within the past 12 months.
    • Savings offer is not available to existing CCU Florida savings account holders and requires a new checking account be established to receive the savings bonus.
    • To receive the checking bonus, you must: 1) Open a new CCU Florida checking account, which is subject to approval; 2) Establish a monthly direct deposit of $2,500 or more into your account within 60 days of account opening and continue the monthly direct deposit of $2,500 or more into your account for 90 days. Direct deposit needs to be an electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transferring money from an outside account or using a person-to-person transfer through a service such as Zelle® are not considered a direct deposit; Incentive payout will be posted by the 5th of the month, following the 90 days after meeting the above requirements.
    • 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 plus has no monthly fees to worry about.

    Early Account Termination Fee

    I wasn’t able to find the fee schedule to check for an EATF.

    Our Verdict

    Better than the previous $100/$125 bonus. It’s a shame it’s a hard pull but that is less of an issue for most people these days so we will add it to the best bank account bonus page.

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    $15 monthly fee:

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

    Early Account Termination Fee

    There is no early account termination fee.

    Our Verdict

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

    Hat tip to Bank Account Bryan

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL] Achieva Credit Union $250 Checking Bonus – Doctor Of Credit

    [FL] Achieva Credit Union $250 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: Can apply out of state for with a donation to Achieva Foundation along with one-time membership fee of $15 ($25 total)
    • Direct deposit required: Yes, two $500+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown, Chexsystems sensitive
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date:  August 20, 2024

    The Offer

    Direct link to offer

    • Achieva Credit Union is offering a $250 bonus when you open a new checking account and complete the following requirements
      • Offer requires two (2) or more newly established qualified direct deposit(s) totaling $500 or more per month within ninety (90) days of account opening

    The Fine Print

    • $250.00 bonus offer open to primary members 18 years of age or older, opening a new Achieva Checking or Achieva Checking Plus account in-person, online or via our Member Service Center as the primary member with a debit card between May 22, 2024 and August 20, 2024.
    • Member cannot have had a checking account within the last ninety (90) days.
    • Limit of one (1) $250.00 bonus offer per primary member.
    • All accounts subject to eligibility and approval requirements.
    • A $15 lifetime membership fee is required with a $1 deposit to open your membership account and cannot be paid with bonus offer proceeds.
    • No minimum balance required.
    • Offer is also available for new Achieva Checking account holders, however this account is non-interest bearing.
    • Offer requires two (2) or more newly established qualified direct deposit(s) totaling $500 or more per month within ninety (90) days of account opening.
    • A qualifying direct deposit is a recurring direct deposit of a paycheck, pension, social security, or other regular monthly income electronically deposited into a checking account. Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, person-to-person payments, cash advance, transfers from a bank or brokerage account, or other electronic deposits.
    • Bonus offer(s) will be paid to account memberships in overall good standing within ninety (90) days of satisfying minimum direct deposit requirement.
    • Direct deposit must be continuous and active at the time bonus is paid.
    • Only one bonus will be paid per primary member meeting qualifications.
    • Primary members who are joint on another share account are only eligible with a new qualifying direct deposit. Bonus offer(s) may be taxable and are the sole responsibility of the recipient. Offer(s) may be withdrawn or changed at any time without notice.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about.

    Early Account Termination Fee

    Wasn’t able to locate a fee schedule so unsure.

    Our Verdict

    Worth doing if you don’t mind the hard pull.

    Useful posts regarding bank bonuses:

    William Charles

    Source link

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

       

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

       

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

       

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

    Avoiding Fees

    Monthly Fees

    BizEssentials Checking account has no monthly fees to worry about.

    Early Account Termination Fee

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

    Our Verdict

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

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

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

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Business checking has a $15 monthly fee.

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

    Early Account Termination Fee

    $25 if closed within 90 days

    Our Verdict

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

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    This account has no monthly fee as long as you have a Quest checking account.

    Early Account Termination Fee

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

    Our Verdict

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

    Hat ti to Phil P

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    William Charles

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

    William Charles

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  • [AZ, CA, FL, IN, MI, NJ, NY, OH, WI] Flagstar Bank $250-$350 Checking Bonus – Doctor Of Credit

    [AZ, CA, FL, IN, MI, NJ, NY, OH, WI] Flagstar Bank $250-$350 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $350
    • Availability: Arizona, California, Florida, Indiana, Michigan, New Jersey, New York, Ohio, and Wisconsin
    • Direct deposit required: Yes, $500+
    • Additional requirements: $500 average balance
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: $0-$15
    • Early account termination fee: 180 days, bonus forfeit
    • Household limit: One
    • Expiration date: April 30, 2024

    The Offer

    Direct link to offer

    • Flagstar Bank is offering a checking bonus of up to $350.
      • $250 when you open a Flagstar Ready Checking and complete the following requirements:
        • Maintain an average daily balance of $500+
        • Have one or more direct deposits totaling $500 or more
      • $350 when you open a Flagstar Elite Checking and complete the following requirements:
        • Maintain an average daily balance of $500+
        • Have one or more direct deposits totaling $500 or more

    The Fine Print

    • You must be a new personal checking customer of Flagstar Bank.
    • You must open a Flagstar Ready Checking or Flagstar Elite Checking account.
    • Minimum $50 deposit to open checking account.
    • You will receive a $250 credit for Flagstar Ready Checking or a $350 credit for Flagstar Elite Checking into this account as a bonus 91-104 days after an initial deposit is made to the new account (account funding) opened, subject to the following conditions:
    • Within the first 90 days of the account funding (bonus period) you must maintain an average daily Balance of $500 or more and have one or more direct deposits (ACH credits) totaling $500 or more.
    • Additionally, (i) this offer is limited to one checking bonus per household, (ii)Flagstar Ready Checking account must be funded within 90 days of the account opening date, Flagstar Elite Checking account must be funded within 60 days of the account opening date, (iii) early account closure fee and reclamation of bonus may be imposed for accounts closed within 180 days, and (iv) Flagstar Bank employees are not eligible for the offer.
    • If you have been paid a checking cash bonus previously, you are ineligible to receive this offer.
    • For tax purposes, you will receive an IRS form from Flagstar Bank.
    • Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee your eligibility. A
    • ll account applications are subject to our normal approval process. Area restrictions may apply.
    • Offer expires April 30, 2024.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    • Flagstar ready checking account has no monthly fee when you opt into eStatements
    • Flagstar Elite Checking has a $15 monthly service charge, waived when you maintain a $25,000 combined monthly average balance in your Flagstar personal deposit accounts

    Early Account Termination Fee

    Bonus is forfeit if account is closed within 180 days

    Our Verdict

    Previously there was a $250 bonus that didn’t require a direct deposit. Seems to be available in more states now. The $350 checking bonus isn’t worth considering due to the $25,000 deposit requirement to keep the account fee free (remember account needs to be kept open for 180 days to avoid the closure fee). If you put those funds into a high yield account earning 5% you’d earn $625. We will add this bonus to our best bank account bonuses.

    Hat tip to reader Jason S

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Gadget

    Useful posts regarding bank bonuses:

    William Charles

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    TD Convenience Checking $15 Monthly Fee

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

    TD Premier Checking $25 Monthly Fee

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

    TD Beyond Savings $15 Monthly Fee

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

    TD Simple Savings $5 Monthly Fee

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

    Early Account Termination Fee

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

    Our Verdict

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

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

    Useful posts regarding bank bonuses:

    Post history:

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

    William Charles

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  • [YMMV, FL only] Seacoast Bank $600 Business Checking Bonus – Doctor Of Credit

    [YMMV, FL only] Seacoast Bank $600 Business Checking Bonus – Doctor Of Credit

    Update 1/10/24: Extended until 12/31/24.

    Update 1/15/23: Extended until 12/31/23.

    Update 10/14/22: Extended until December 31, 2022.

    Update 8/29/22: Deal is back and valid until September 30, 2022.

    Terms state ‘Offer valid for recipient only’, so might be targeted

    Offer at a glance

    • Maximum bonus amount: $400/$600
    • Availability: FL
    • Direct deposit required: None
    • Additional requirements: Maintain a minimum average balance of $1,500 at 90 days
    • Hard/soft pull: Soft
    • Credit card funding: Unknown, possibly up to $1,000
    • Monthly fees: None
    • Early account termination fee: $30 if closed within 90 days
    • Household limit: None listed
    • Expiration date: June 30, 2022

    The Offer

    Direct link to offer

    • Seacoast Bank is offering a $400/$600 business checking bonus. Bonuses are as follows:
      • $400 when you open your first Business Checking account and deposit $5,000 and maintain that average balance for 90 days and complete 15 debit card purchases.
      • $600 when you open your first Business Checking account and deposit $10,000 and maintain that average balance for 90 days and complete 15 debit card purchases.

    The Fine Print

    • Earn up to $600 for a new Seacoast Business Checking account meeting all requirements outlined below and ful filling the Small Business Visa Debit Card Offer as noted below. Limitedtime offer available April 1, 2022 through June 30, 2022.
    • Offer may be withdrawn at any time
    • Offer valid for recipient only.
    • Limited to one bonus per business relationship.
    • Business must have a current and active registration with the Florida Department of State
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free Business Checking

    Free Business Checking has no monthly service fee and no minimum daily balance requirement. You get 150 items per month, after which an additional item fee of $0.35 per item. There is a $3 monthly check image enclosure fee, unless you opt for e-statements or choose to not have check images included in your monthly printed statements.

    Early Account Termination Fee

    According to the fee schedule there is an early account termination fee of $30 if the account is closed within 90 days of opening.

    Our Verdict

    Bigger bonus than the regular $300 bonus, but requires a bigger deposit and this option might be targeted as well. If it turns out to be open to everybody, we will add this to our list of the best bank account bonuses.

    Hat tip to reader snailrock

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL] First Federal Bank $400 Business Checking Bonus – Doctor Of Credit

    [FL] First Federal Bank $400 Business Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $200 or $400
    • Availability: FL only
    • Direct deposit required: No
    • Additional requirements: Deposit and maintain $5k or $10k for 60 days
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: Avoidable
    • Early account termination fee: Unknown
    • Household limit: None listed
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • First Federal Bank is offering a business checking bonus of up to $400:
      • Earn $200 with a $5,000 opening deposit or $400 with a $10,000 opening deposit
      • Balance must be maintained for 60 days

    The Fine Print

    • $400 Checking Bonus limited to new business customers who deposit at least $10,000 or more of new money into a business checking account at time of opening. Balance must be maintained for at least 60 days to qualify.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Keep a $1,500 daily balance or $15,000 loan relationship to waive the service charge. Use eStatements, save $2 per month

    Early Account Termination Fee

    I wasn’t able to find a fee schedule.

    Our Verdict

    Seems like an easy bonus worth doing and a much better return than current high yield savings accounts.

    Useful posts regarding bank bonuses:

    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

    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:

    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

    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.

    William Charles

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