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Tag: nationwide bank bonuses

  • CIT Bank $225/$300 Savings Bonus + 3.85% APY; New & Existing Customers ($25k/ $50k Deposit; No Hold Period) – Doctor Of Credit

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    Update 9/24/25: Deal is back, APY lowered to 3.85%. If you did the previous PS2025 deal you are not eligible. Hat tip to reader Gadget

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Nationwide
    • APY: 3.85% with a deposit of $5,000+
    • Additional requirements: Use promo code and meet deposit threshold
    • Hard/soft pull: Soft
    • ChexSystems: Yes  (comments here suggest they might be Chex sensitive)
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: Unknown

    The Offer

    Direct Link to offer

    • CIT Bank is offering a bonus to new or existing customers who transfer over funds. To get the bonus, you have to first signup/enroll using promo code PS2025 and then make one or more deposits in the following 30 days.
      • Transfer over $25,000 in new deposits and get $225.
      • Transfer over $50,000 in new deposits and get $300.

    The Fine Print

    • All funds deposited to qualify for the bonus must be new funds from a source outside CIT Bank. Funds already on deposit with CIT Bank are ineligible.
    • CIT Bank will deposit the qualifying bonus into the customer’s enrolled account within 60-days following the 30-day funding period. The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify.
    • There is a limit of one Platinum Savings promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible. Custodial accounts and Trust Accounts are not eligible.
    • The value of the $225 or $300 bonus will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.

    Avoiding Fees

    Account has no fees to worry about.

    Our Verdict

    This is a nice bonus since the account earns 4.30% which is from the better rates out there, and with this promo you’ll earn an additional $225/$300. I like the flexibility of this offer without any hold period (just have the funds there on Day 30), and I might get in on this one.

    We’ll add this to our List Of Best Bank Bonuses.

    Hat tip to Eric and TJ

    Useful posts regarding bank bonuses:

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    Chuck

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  • Netspend $100 Checking Bonus – Doctor Of Credit

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    You can learn more about fees by clicking here.

    Our Verdict

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

    Hat tip to reader ntn

    Useful posts regarding bank bonuses:

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    William Charles

    Source link

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

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    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about. 

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Eric

    Useful posts regarding bank bonuses:

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    William Charles

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

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    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Kiwi

    Useful posts regarding bank bonuses:

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    William Charles

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  • Chase Business Checking $500 Online Bonus (No Direct Deposit Required) – Doctor Of Credit

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    Update 9/8/25: Showing again

    Update 7/8/25: Extended to 10/16/2025

    Update 4/19/25: Deal is back until 07/17/2025.

    Update 2/4/25: Offer is back at this link. It’s not as high as the previous $750 offer, but a much lower $10,000 requirement versus $30,000. There’s also a $300 tier with $2,000 deposit requirement. (Hat tip to mangorunner)

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: Nationwide
    • Direct deposit required: None
    • Additional requirements: Deposit $10,000 in new to Chase funds; 5 qualifying transactions
    • Hard/soft pull: Soft
    • Credit card funding: $500, but codes as cash advance
    • Monthly fees: $15, waivable
    • Early account termination fee: Bonus taken back if closed within six months
    • Expiration date: July 21, 2022 July 17, 2025

    The Offer

    Direct Link to offer (open incognito if link doesn’t work)

    • Chase is offering a $500 bonus when you open a Chase Business checking account and complete the following qualifications:
      • Fund a minimum deposit of $10,000 in new money within 30 days of offer enrollment and maintain that balance for 60 days.
      • Complete 5 qualifying transactions within 90 days of offer enrollment. Qualifying transactions include debit card purchases, Chase QuickAccept deposits, Chase QuickDeposit, ACH (Credits), wires (credits and debits), Chase Online Bill Pay

     

    The Fine Print

    • Your bonus will be deposited within 15 business days
    • Account must stay open for six months, otherwise bonus is forfeited
    • You can receive only one new business checking account opening related bonus every two years from the last enrollment date and only one bonus per account
    • Checking offer is not available to existing Chase business checking customers, local, state or Federal Government entities or agencies, Not for Profit organizations, Political Action Committees, or those with campaign accounts, or whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years
    • All bank account bonuses are treated as interest, as such you must pay taxes on them.

    Avoiding Fees

    This offer is for the Business Complete Checking account. Monthly fee is $15 which can be waived with one of the following:

    • Maintain a $2,000 deposit minimum daily balance
    • Spend at least $2,000 on purchases with a Chase Ink business credit card
    • Receive $2,000 in deposits from QuickAccept transactions or other eligible payment solutions
    • Link a Chase Private Client checking account
    • Provide valid, qualifying proof of military status (active or veteran)

    Early Account Termination Fee

    Accounts need to be kept open for a minimum of six months, otherwise the bonus will be forfeited. None mentioned.

    Our Verdict

    There have been occasional $750 Chase business checking bonuses, but those are typically only for Private Clients or as a targeted deal. This offer is publicly available and works for accounts opened online. It’s easy enough to keep the account fee-free with the $2,000 deposit requirement or the $2,000 INK spend requirement.

    We’ve added this bonus to our list of the best business bank bonuses.

    Note: the bank has been withholding $120 of this bonus toward your estimated taxes, see this post for more details.

    Hat tip to reader Eric

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    Chuck

    Source link

  • CIT Bank $100 Checking Bonus, Direct Deposit Not Required (New & Existing Users) – Doctor Of Credit

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    Update 9/4/25: Available again, not entirely sure why this was marked as expired. 

    Offer at a glance

    • Maximum bonus amount: $100
    • Availability: Nationwide
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Yes  (comments here suggest they might be Chex sensitive)
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: None

    The Offer

    Direct link to offer

    • CIT Bank is offering a $100 bonus when you open a new checking account and complete the following requirements:
      • Use promo code EC2025
      • Deposit at least $2,500 or more within 30 days

    The Fine Print

    • See full terms here
    • 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

    This account has no monthly fees to worry about.

    Our Verdict

    Always nice to see an easy bonus like this. CIT Bank frequently has savings offers, it’s also nice that this works for existing eChecking account holders. We will add this to our best bank account bonuses.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

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    William Charles

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  • Wells Fargo $400/$825 Business Checking Bonus – Doctor Of Credit

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    Extended to November 4, 2025

    Offer at a glance

    • Maximum bonus amount: $825
    • Availability: Nationwide
    • Direct deposit required: None
    • Additional requirements: None
    • Hard/soft pull: Soft
    • ChexSystems: Mixed reports, likely doesn’t pull
    • Credit card funding: Up to $300
    • Monthly fees: $10, avoidable
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: June 30, 2025

    The Offer

    Direct link to offers: $825 | $400

    • Wells Fargo is offering two business checking bonuses. Both bonuses require opening a Initiate Business Checking account.
      • $400 bonus when you deposit $2,500 or more to your new business checking account by day 30 and maintain a minimum daily collected balance of $2,500 through day 60 after account opening
      • $825 bonus when you deposit $25,000 or more to your new business checking account by day 30 and maintain a minimum daily collected balance of $25,000 through day 60 after account opening

    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

    The Initiate Business Checking account has $10 monthly fee which is waived if you have one of the following each fee period:

    • $500 minimum daily balance, OR
    • $1,000 average ledger balance

    Early Account Termination Fee

    There is no early account termination fee mentioned.

    Our Verdict

    Not as good as the previous $1,500 in branch offer, but that was back in 2022 so I’m not sure we will see that again. With this new bonus you’re basically needing to hold the funds in there for 30 days (realistically a little longer to deal with transfers). Both bonuses are worth doing given the returns, the one you prefer will depend on how much cash you have on hand. Will add this to our best business checking bonus page.

    Hat tip to reader Matt F

    Useful posts regarding bank bonuses:

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    William Charles

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  • Live Oak Bank $200 Savings Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: Nationwide
    • Direct deposit required: None
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: No
    • Credit card funding: No
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: No
    • Expiration date: 9/30/25

    The Offer

    Direct link to offer

    • Live Oak Bank is offering a $200 bonus when you open a personal savings account and complete the following requirements:
      • Open and fund account by 9/30/25 with at least $20,000
      • Maintain that balance for 90 days
    • Existing customers must increase their balance by at least $20,000 and maintain that for 90 days

    The Fine Print

    • Customers must meet all of the following requirements to be eligible for the $200 bonus:
      • New and Existing Customers:
        • The promotion begins on September 2nd, 2025.
      • Only one bonus is available per Tax Identification Number per promotional period.
        • Only personal savings accounts are eligible for the bonus offer. Checking accounts, certificates of deposit (CD) accounts and fiduciary accounts (e.g., trusts) are not eligible for this offer.
        • Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.
        • A new account must be opened between September 2, 2025 and September 30, 2025 to be eligible.
        • A new Live Oak Bank personal savings account must be fully funded with at least $20,000 by 11:59 p.m. Eastern Time on 09/30/2025 to be eligible for the bonus. If the account is not fully funded by September 30th, then the account is not eligible for the bonus offer.
        • All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify; deposits or transfers originating from an existing Live Oak Bank account (whether personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
        • Beginning on the date in September 2025 that the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period.
      • Your new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.
      • Any promotional amounts received may be subject to taxation.
      • Existing Customers:
        • In addition to the other requirements for the bonus offer, existing Live Oak Bank customers must maintain their existing account balances (not including interest accrued but not credited to the account) at or above the end of day balance as of September 1st 2025 11:59:59pm (ET) across their existing personal savings in order to be eligible for the bonus offer.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees.

    Early Account Termination Fee

    There is no EATF.

    Our Verdict

    This account also currently earns 4% APY, this is somewhat competitive with the top savings rates. This bonus works out to be 4% annualized for a total of 8% APY. We will add this to our list of the best savings bonuses.

    Hat tip tom 767

    Useful posts regarding bank bonuses:

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    William Charles

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  • Grasshopper $200 Business Checking Referral Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: Nationwide
    • Direct deposit required: None
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Doesn’t pull
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: Bonus forfeit, 150 days
    • Household limit: None
    • Expiration date: None listed 

    The Offer

    No direct link to offer, use this link and then on the final page of the application enter your referral code. (this link is the terms)

    • Grasshopper Bank is offering a $200 referral bonus to both parties when the person signing up for an account has a $2,000 balance on day 90

    The Fine Print

    • Full terms here.
    • 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

    Grasshopper Bank also reserves the right to reverse the bonus if a New Client closes their Innovator Business Checking Account within 150 days of opening it

    Our Verdict

    There was a $300 bonus but that required a $10,000 deposit for days 31-90. This $200 bonus is comparable when you factor that you don’t need to tie up funds for that long and can have them in a high yield account. Obviously it’s a better deal if you’re referring/being referred by a spouse where you get $400 total. Do not share your referrals in the comments below, instead you can share them in this linked post. We will add this deal to our best business checking bonuses. 

    Hat tip to reader favo

    Useful posts regarding bank bonuses:

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    William Charles

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

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    Offer at a glance

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

    The Offer

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

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    There is no monthly fee anymore

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader favo, use their link here.

    Useful posts regarding bank bonuses:

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    William Charles

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

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

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

    Offer at a glance

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Referral Bonus

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

    Our Verdict

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

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

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    William Charles

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  • U.S. Bank $400/$900 Business Checking Bonus – Doctor Of Credit

    U.S. Bank $400/$900 Business Checking Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $900
    • Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
    • Direct deposit required: None
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Mixed data points
    • Credit card funding: Can fund up to $3,000 with a credit card
    • Monthly fees: None with paperless statements
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: January 15, 2025

    The Offer

    Direct link to offer

    • U.S. Bank is offering a bonus of up to $900 when you open a new business checking account when you use promo code Q4AFL24. 
      • Earn $900 when you open a Platinum Business Checking Account package
        • Deposit at least $30,000 in new money within 30 days of account opening
        • Maintain at least that balance for 60 days after opening the account
      • Earn $400 when you open a Silver Business Checking Account package
        • Deposit at least $5,000 in new money within 30 days of account opening (Silver or Business Essentials)
        • Maintain at least that balance for 60 days after opening the account

    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

    • Silver account has no monthly fees to worry about as long as you opt in for paperless statements.
    • Platinum account has a $30 monthly fee, this is waived if you
      •  An active U.S. Bank Payment Solutions Merchant Account or
      • $25,000 average collected checking balance $75,000 combined average collected business deposits and outstanding business credit balances

    Early Account Termination Fee

    There is no early account termination fee to worry about

    Our Verdict

    Previously there was a $800 business checking bonus with the same requirements as the current $900 bonus but it only required a silver account which is much easier to keep fee free. Because of that I think the old $800 bonus is actually better. That being said the new $400 bonus is the exact same requirements as the old $300 bonus with the same account needing to be opened so that is an improvement and worth doing. Given the churn period is now only 12 months I do think the $400 bonus is worth doing and we will add it to our best business bank bonus page.

    Hat tip to reader Jack

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    William Charles

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  • Axos Bank $375 Business Savings Bonus – Doctor Of Credit

    Axos Bank $375 Business Savings Bonus – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $375
    • Availability: Nationwide
    • Deposit required: $30,000
    • APY: 4% APY
    • Hard/soft pull: Soft pull
    • ChexSystems: Yes
    • Credit card funding: No
    • Monthly fees: None
    • Early account termination fee: $50, 180 days
    • Household limit: None listed
    • Expiration date:

    The Offer

    Direct link to offer

    • Axos Bank is offering a business savings bonus of up to $375. Earn a $75 monthly bonus when you have an average daily balance of $30,000+. Must use promo code BPS375

    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

    This account has no monthly fees to worry about.

    Early Account Termination Fee

    Account must be kept open for 180 days otherwise a $50 fee will apply.

    Our Verdict

    If you have exactly $30,000 in the account this works out to be 7% APY with the 4% base rate and the $75 monthly bonus. Worth considering especially with rates falling if you have a large balance that you’d like to tie up for a few months.

    Hat tip to Dane

    Useful posts regarding bank bonuses:

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    William Charles

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  • Bask Bank $200 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Bask Bank $200 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

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    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: Nationwide
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: November 29, 2024

    The Offer

    Direct link to offer

    • Bask Bank is offering a $200 bonus when you open a new checking account. Bonus is broken down as follows:
      • Conduct two (2) electronic Bill Center transactions3 of a combined minimum total of $50, posting each month through March 31, 2025 and receive $50 per month up to $200.

    The Fine Print

    • Must have a new or existing Bask Interest Checking Account by November 29, 2024.
    • Perform qualifying activities between September 2024 and March 2025.
    • Conduct two (2) electronic Bill Center transactions3 of a combined minimum total of $50, posting each month through March 31, 2025.
    • Qualifying participants will receive a $50 cash reward each month1 from September 2024 through March 2025 with continued qualifying activity. The cash reward will be paid to your Bask Interest Checking Account at the close of each statement period after all qualifying activities are met.
    • If one or more of the qualifying activities are not met within a statement period, the cash reward will not be paid for that statement period.
    • 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

    Unclear if there is any EATF.

    Our Verdict

    Seems like a nice bonus given no direct deposit is required. It’s possible that it’s ChexSystems sensitive, if it’s not I can see this bonus being pulled early due to the popularity of it.

    Hat tip to Gz

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    William Charles

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  • [Important Update] Lili Bank $300 Business Checking Bonus – Doctor Of Credit

    [Important Update] Lili Bank $300 Business Checking Bonus – Doctor Of Credit

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    Update 8/29/24: Terms state: To be eligible, new Lili Account customers must (i) be 18 years or older (or 19 in Nebraska or Alabama) who can form a legally binding contract and open a Lili Account and use the Services (as such terms are defined in the Sunrise Banks Account Agreement); (ii) be a legal resident of the fifty (50) United States or the District of Columbia. Lili App Inc. officers, directors, and employees and their immediate family members (spouse, parents, siblings, and children) are not eligible; and (iii) have applied for a Lili Account through one of the following websites: http://www.nerdwallet.com ; http://www.bestmoney.com ; or through a shared communication channel by Lili with Dun & Bradstreet. Conditions and Promotional Period

    You can try this link from Nerdwallet. People that applied through this link are having the bonus attached via e-mail whereas the direct link are receiving an e-mail without the bonus attached.

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Nationwide
    • Direct deposit required: No
    • Additional requirements:See below
    • Hard/soft pull: Soft pull
    • ChexSystems: No
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: October 25, 2024

    The Offer

    Direct link to offer

    • Lili Bank is offering a $300 bonus when you open a new business checking account and complete the following requirements:
      • Deposit $5,000 Within the following 30 days of opening your Lili account
      • Maintain a daily $5,000 balance For 60 days from depositing $5,000
      • Make at least 5 qualifying purchases Using your Lili Visa® Debit Card

    The Fine Print

    • *Promotion Terms and Conditions: Eligible Participants: This promotion is non-transferable and limited to one offer per new Lili Business Deposit Account (Lili Account) customer, which for this purpose means a natural person who does not have an existing Lili Account in which they are the owner of a sole proprietorship account or an ultimate business owner of a legal entity account and has not had such an account open in the last twelve (12) months.
    • To be eligible, new Lili Account customers must (i) be 18 years or older (or 19 in Nebraska or Alabama) who can form a legally binding contract and open a Lili Account and use the Services (as such terms are defined in the Sunrise Banks Account Agreement); (ii) be a legal resident of the fifty (50) United States or the District of Columbia. Lili App Inc. officers, directors, and employees and their immediate family members (spouse, parents, siblings, and children) are not eligible; and (iii) have applied for a Lili Account through one of the following websites: www.nerdwallet.com ; www.bestmoney.com ; or through a shared communication channel by Lili with Dun & Bradstreet. Conditions and Promotional Period
    • : To be eligible to receive the bonus associated with this promotion, new Lili Account customers must 1) apply for and open a Lili Account between 12:00 AM ET on July 25, 2024 and 11:59 PM ET on October 25, 2024; 2), deposit $5,000 to their checking account within thirty (30) days of account opening and continue to maintain a minimum checking account daily balance of $5,000 for sixty (60) days from the date the account balance reaches the initial $5,000 deposit threshold; and 3) make a minimum of five (5) qualifying purchases using the Lili Visa® Debit Card issued to the new Lili Account customer.
    • A qualifying purchase is a point of sale purchase that is not returned or rescinded. Non-qualifying purchases include any internet purchases or any person-to-person, bank, or other electronic money transfers, such as those made through internet payment services.
    • Notification: If a new Lili Account customer meets all of the eligibility requirements and conditions of the promotion, the bonus will be deposited into their Lili Account by the tenth day of the month following the month in which the last requirement was met, provided that the account is not closed or suspended.
    • For the avoidance of doubt, any Lili Account suspended or terminated by Lili or terminated voluntarily by the new Lili Account customer before the bonus is paid is ineligible for the bonus. Miscellaneous: The bonus associated with this promotion may be considered interest and may be reported on IRS Form 1099-INT or other appropriate form.
    • The participant is responsible for any federal or state taxes resulting from the promotion. Participants should consult their tax advisor if they have questions about tax treatment.
    • Other terms and conditions of the Lili Account are disclosed in the participant’s Sunrise Banks Account Agreement. Offer and account opening subject to Sunrise Banks, Member FDIC, approval.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Lili basic has no monthly fees to worry about.

    Early Account Termination Fee

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

    Our Verdict

    We have seen bonuses for the Lili personal account before but not for the business account. Looks like they are business accounts only now? I do think this bonus is worth doing and will add it to the list of the best bank account bonuses.

    Hat tip to ChurnDaddyM

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    William Charles

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  • [IA, WI, MN] Maxx: by Cedar Rapids Bank & Trust: $333 Checking Bonus – Doctor Of Credit

    [IA, WI, MN] Maxx: by Cedar Rapids Bank & Trust: $333 Checking Bonus – Doctor Of Credit

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    Update 7/30/24: Offer is showing again, but now states available to residents of Iowa, Wisconsin and Minnesota only.

    Bonus has now expired. They have stated the offer will be honored for those who applied before the terms changed and will look at opening it nationwide again once they have processed the backlog.

    Update: They changed the disclosure now: “Accounts available to residents of Iowa, Wisconsin and Minnesota only.” Hopefully no issues for those who already signed up.

    Offer at a glance

    • Maximum bonus amount: $333
    • Availability: Nationwide (Excludes California & Oregon)
    • Direct deposit required: Yes, $250+
    • Additional requirements: Yes, see below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: $5, avoidable
    • Early account termination fee: 90 days
    • Household limit: None listed
    • Expiration date: August 31, 2024

    The Offer

    Direct link to offer

    • Maxx: by Cedar Rapids Bank & Trust is offering a $333 checking bonus:
      • the account has been open a minimum of 30 days
      • a reoccurring ACH transaction has occurred
      • the debit card has been used
      • the account has a positive balance.

    The Fine Print

    • $333 bonus will be paid when the following occur: the account has been open a minimum of 30 days, a reoccurring ACH transaction has occurred, the debit card has been used and the account has a positive balance.
    • Requirements must be met within the first six months.
    • New client cannot have closed a MAXX by Cedar Rapids Bank & Trust checking account within the previous 12 month period.
    • Only new checking account clients are eligible.
    • Cannot be combined with any other offer. Account must be active at the time the bonus is paid.
    • Promotion ends 8/31/24.
    • Bonus will be reported to the IRS as applicable.
    • Client will be responsible for any applicable taxes on the bonus. Consult your tax advisor.
    • 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 $5 monthly fee, this is waived if you receive eStatements (also a requirement for the bonus)

    Early Account Termination Fee

    There is an EaTF if closed within 90 days.

    Our Verdict

    So Cedar Rapids Bank & Trust recently launched this new digital brand to go national, everything is still backed by the brick and mortar business by also operating in all states now apart from California and Oregon. I wouldn’t be surprised to see this bonus pulled early when they see the influx of new accounts from this promotion so keep that in mind if interested (they did reach out to us to clarify that this is available nationwide though). We will add this to our list of the best bank account bonuses, especially as it seems according to the terms that a true direct deposit is not required.

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    William Charles

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  • U.S. Bank $450 + $100 Checking Bonus (Anti Churning Language Now 12 Months Instead Of 24) – Doctor Of Credit

    U.S. Bank $450 + $100 Checking Bonus (Anti Churning Language Now 12 Months Instead Of 24) – Doctor Of Credit

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    Update 7/17/24: Anti churning language is now 12 months instead of 24. Hopefully this is a permanent change going forward.

    Note: You can also get another $88-$100+ via  portal.

    Offer at a glance

    • Maximum bonus amount: $450 + $100
    • Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
    • Direct deposit required: Yes
    • Additional requirements: None
    • Hard/soft pull: Soft
    • ChexSystems: Mixed data points
    • Credit card funding: Can fund up to $250 with a credit card
    • Monthly fees: $6.95, avoidable
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: September 26, 2024

    The Offer

    Direct link to offer

    • U.S. Bank is offering a $450 bonus when you open a new Smartly checking account when you use promo code 2024JUL.Requirements are as follows:
      • Checking bonus:
        • Earn $250 when the combined total of your direct deposits is between $2,000 and $4,999.99
        • Earn $350 when the combined total of your direct deposits is between $5,000 and $7,999.99.
        • Earn $450 when the combined total of your direct deposits is $8,000 or more.

    The Fine Print

    • U.S. Bank Smartly® Checking bonus: To be eligible, you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months.
    • You must also use the promo code 2024JUL at account opening. To receive the bonus, you must open a new U.S. Bank Smartly® Checking account with a minimum deposit of $25 either online, in a branch or over the phone from July 9, 2024 through and including September 26, 2024.
    • Additionally, you must enroll in the U.S. Bank Mobile App or online banking within 90 days of opening your account.
    • You must also complete two or more direct deposits within 90 days of opening your account that total: $2,000 to $4,999.99 to earn the $250 bonus, $5,000 to $7,999.99 to earn the $350 bonus, or $8,000 or more to earn the $450 bonus.
    • A direct deposit is an electronic deposit of your paycheck made through the Automated Clearing House (ACH) network or an electronic deposit of your government benefits, such as Social Security, from your employer or the government.
    • Other electronic deposits or person-to-person payments are not considered a direct deposit. Your checking bonus (“adjusted interest”) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements.
    • Account must be open and have a positive balance to receive the bonus. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    U.S. Bank Smartly has a $6.95 monthly fee, this is waived if you do any of the following:

    • Have combined monthly direct deposits totaling $1,000 or more
    • Keep a minimum average account balance of $1,500 or more
    • Hold an eligible U.S. Bank credit card
    • Qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle)
    • Be a military member (requires self disclosure)
    • Be under the age of 24 or over the age of 65

    Early Account Termination Fee

    There is no early account termination fee to worry about

    Our Verdict

    Not as good as the recent $500 bonus unfortunately. That being said this bonus is churnable (can’t have had an account within the past 12 months) meaning it’s probably worth resetting that clock as soon as possible rather than waiting for a marginally bigger bonus to potentially return. Because of that we will add this to our list of the best bank account bonuses.

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    William Charles

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  • Rakuten: Alliant Credit Union – Open CD & Get $120/12,000 Back – Doctor Of Credit

    Rakuten: Alliant Credit Union – Open CD & Get $120/12,000 Back – Doctor Of Credit

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    Update 7/15/24: Rakuten offer increased now from $100 to $120 (ht Karsten)

    Offer at a glance

    The Offer

    Direct Link to offer

    • Rakuten shopping portal is offering $100 or 10,000 points when you click through the portal and open a certificate of deposit with Alliant Credit Union.

    The Fine Print

    • Cash Back is only available for new customers, one per person.
    • Customer must fund a minimum deposit of $1,000.00 on a new Alliant Certificate.
    • The account must remain open for a minimum of 60 days.
    • This offer and any payouts are from Rakuten, not Alliant Credit Union.
    • Posting Time: Cash Back will be automatically added to your Rakuten account within a few weeks.

    Avoiding Fees

    There aren’t any fees to be concerned with when you get eStatements.

    Our Verdict

    Looks like it’s possible to open a 3 month certificate and get the $100 bonus. The interest rate I’m seeing now is 4.25% which isn’t too bad. Could be a good deal, especially for someone who values Membership Rewards highly.

    Separately, there’s also a $100 bonus for opening an Alliant savings account and another $60 potential stack on that from Swagbucks. I’m not entirely sure if those deals can stack with this CD deal. (Maybe you can do this deal first and then do the savings deals, or vice versa?)

    Hat tip to Christopher Robin

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    Chuck

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  • [Targeted, YMMV] Bank of America $1,000/$1,500 Business Checking Bonus with $20k/$50k Deposit (Available Online) – Doctor Of Credit

    [Targeted, YMMV] Bank of America $1,000/$1,500 Business Checking Bonus with $20k/$50k Deposit (Available Online) – Doctor Of Credit

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    Update 7/11/24: Offer extended through 12/31/24 and available from local Small Business Bankers even if you were not targeted. Not available in-branch

    Update 5/13/24: There is an online link through July, 31 2024. Hat tip to Venka

    Update 4/3/24: Deal is back through May 31, 2024. No online link but being offered by small business bankers in-branch. Hat tip to Rapid Travel Chai.

    Offer at a glance

    • Maximum bonus amount: $1,500
    • Availability: Nationwide, but terms do have targeted language
    • Direct deposit required: No
    • Additional requirements: Deposit and maintain $30,000 for
    • Hard/soft pull: Soft
    • ChexSystems: Unknown
    • Credit card funding: None, but can fund with a debit card up to $300
    • Monthly fees: Avoidable
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: December 31, 2023

    The Offer

    Direct link to offer (not currently working, but can get the deal via a small business banker in-branch)

    • Bank of America is offering a $1,000 bonus when you open a new business checking account and complete the following requirements:
      • Make Qualifying Deposits of $20,000 or more in new money within 30 days of opening the new business checking account
        Maintain an average balance of $20,000 or more for next 60 days (day 31-90) during the maintenance period
    • There is also a $1,500 bonus when you open a new business checking account and complete the following requirements:
      • Make Qualifying Deposits of $50,000 or more in new money within 30 days of opening the new business checking account
      • Maintain an average balance of $50,000 or more for next 60 days (day 31-90) during the maintenance period

    The Fine Print

    • This offer is only available to business owners who receive this offer via a direct communication from a Bank of America Specialist or from a Bank of America communication. This offer is intended for new customers only; you are not eligible for this offer if you were an owner or signer on a Bank of America Business Advantage Banking account within the last twelve (12) months. Only one bonus ($1,000) per business customer, regardless of the number of businesses owned or operated by the customer. Bank of America employees are not eligible for this offer. Offer expires on December 31, 2023, and all qualifying activities must be completed within the stated time frames in order to be eligible for this offer. Bank of America may change or discontinue this offer at any time before this date without notice. Reproduction, purchase, sale, transfer or trade of this offer is prohibited.
    • Requirements to Receive a $1,000 cash bonus:
      • Open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account by December 31, 2023: AND
      • Make Qualifying Deposits of $30,000 or more in new money* into your new Business Advantage Banking account within thirty (30) days of account opening; AND
      • Maintain an average balance of $30,000 or more during the Maintenance Period** into the new Business Advantage Banking account.
    • All account applications are subject to approval. Your account does not qualify for the bonus until you provide all of the information we require in connection with opening the account by the promotion end date December 31, 2023. This includes information we require to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice. Please consult a financial center, visit bankofamerica.com, or see the Business Schedule of Fees found at bankofamerica.com/businessfeesataglance for other account fees, rates and information.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    The lower level account is the Business Fundamentals at $18 per month. Fee is waived with one of the following:

    • Maintain a $5,000 combined average balance, or
    • Spend at least $250 in new net purchases on your business debit card, or
    • Become a member of Preferred Rewards for Business

    Early Account Termination Fee

    There is no early account termination fee.

    Our Verdict

    This is a $1,000 bonus but you need to tie up the $30,000 for 90 day. These accounts basically earn 0% APY, if you had the $30,000 in a 5% APY account for 90 days you’d earn $375 so this bonus is significantly better. After the 90 days you’ll have to keep $5,000 in the account to keep the account fee-free until the bonus posts (doesn’t look necessary). Probably not worth the risk with the targeted language so we won’t add this to the list of the best bank account bonuses.

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    Post history:

    • Update 1/18/24: Deal is back, this time the $1k option for $20k deposit (previously 30k) or a $1.5k option for $50k deposit (not previously offered)
    • This offer has targeted language ‘This offer is only available to business owners who receive this offer via a direct communication from a Bank of America Specialist or from a Bank of America communication’. Some people have seen the offer on the Bank of America homepage and in the past this language hasn’t been enforced so YMMV.

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    William Charles

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

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

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    Update 6/29/24: Deal is back and valid until 7/31/24. Hat tip to reader Bockrr

    Update 9/7/22: Deal is back and valid until 10/31/22.

    Update 4/3/22: Deal is back and valid until 5/31/22.

    Bonus is now FL only

    Update 11/1/21: Deal is back, no end date listed this time. Hat tip to reader Gadget.

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: All locations are in FL, but anybody can become a member by joining CU Savers Club, which is free
    • Direct deposit required: Yes, $500 or more
    • Additional requirements: Use promo code
    • Hard/soft pull: Hard pull
    • ChexSystems: Yes
    • Credit card funding: Up to $500
    • Monthly fees: $4.95, avoidable
    • Early account termination fee: Closed Account Within 180 Days: $25 fee (or balance if <$25)
    • Household limit: None listed
    • Expiration date: October 31, 2021 None

    The Offer

    Direct link to offer

    • GTE Financial Credit Union is offering a bonus of $200 when you open a new checking account and complete the following requirements:
      • Use promo code JOIN200
      • Receive a direct deposit of $500 or more

    The Fine Print

    • Offer valid for new GTE Members only.
    • To qualify, new members must open a Go Premium with GTE Secure, Go Full Access, or Go Further checking account.
    • In addition, new members must have direct deposit set-up totaling $500 or more per month within the first 60 days of account opening.
    • Direct deposit must come from an external source, such as an employer or government agency, direct deposits from another GTE Financial account do not meet the qualifications of this incentive offer.
    • New members must also use promotional code JOIN200 at the time of application. GTE Financial reserves the right to end this promotion at any time.
    • This offer cannot be combined with other incentive offers from GTE Financial.
    • Account incentive will be deposited into member’s account within 10 business days from meeting all qualifications for promotion. Federally Insured by NCUA.
    • 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

    GTE Financial has offered a $100 checking bonus with no direct deposit required and a $200 checking bonus, but the previous $200 bonus had a monthly fee that couldn’t be avoided. I suspect we might see this bonus pulled before the end date so if you’re interested then sign up sooner rather than later. Some people might prefer the $100 bonus as no direct deposit is required. We will add this to our best checking bonuses.

    Hat tip to IS250

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    William Charles

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