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Tag: no credit card funding

  • Netspend $100 Checking Bonus – Doctor Of Credit

    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:

    William Charles

    Source link

  • [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

    Source link

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

    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:

    William Charles

    Source link

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

    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:

    William Charles

    Source link

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

    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:

    William Charles

    Source link

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

    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:

    William Charles

    Source link

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about. 

    Early Account Termination Fee

    Our Verdict

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

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

    William Charles

    Source link

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

    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:

    William Charles

    Source link

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

    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:

    William Charles

    Source link

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about

    Early Account Termination Fee

    Bonus forfeit if closed within 12 months

    Our Verdict

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

    Hat tip to Bockrr

    Useful posts regarding bank bonuses:

    William Charles

    Source link

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

    Axos Bank $375 Business Savings Bonus – Doctor Of Credit

    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:

    William Charles

    Source link

  • [MI only] MSUFCU $250 Checking Bonus + $250 Savings Bonus – Doctor Of Credit

    [MI only] MSUFCU $250 Checking Bonus + $250 Savings Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: Michigan only, maybe nationwide?
    • 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: Unknown
    • Household limit: None listed
    • Expiration date: 10/31/24

    The Offer

    Direct link to offer

    • MSU Federal Credit Union is offering a $250 checking bonus when you open a new checking account and complete the following requirements:
      • Open a Money Market Checking
      •  Must have two consecutive electronic deposits each with a minimum deposit of $2000
      • Must maintain balance of $2000 for 60 days after account opening
      • Complete 10 transactions within 30 days of account opening
    • You’ll receive a $250 bonus to kickstart your savings when you open the account with at least $25,000. Must maintain balance for 60 days

    The Fine Print

    • Offer valid 09/01/24 to 10/31/24.
    • To receive $100 bonus, member must open a Totally Green Checking Account and set up direct deposit from their employer or Social Security.
    • Must have two consecutive electronic deposits each with a minimum deposit of $1000.
    • To receive $250 bonus, member must open a Money Market Checking account and set up direct deposit from employer or Social Security. Must have two consecutive electronic deposits each with a minimum deposit of $2000.
    • Must maintain balance of $2000 for 60 days after account opening.
    • For both offers, first direct deposit must be set up and funded into member's MSUFCU checking account by 10/31/24 and member must complete 10 transactions within 30 days of account opening. Bonus of either $100 or $250 will be deposited to the member's Cashback+ wallet within 90 days of promotion end date. Not valid for members with existing or previously closed checking accounts.
    • Not valid for funds already on deposit with MSUFCU. Bonus may be taxable and reported on an IRS Form.
    • Members who do not currently have an Insured Money Management Account (IMMA) and open an IMMA with a minimum deposit of $25,000 and maintain a balance of at least $25,000 for 60 days will receive $250 bonus.
    • IMMA must be opened and funded by 10/31/24. IMMA Tier 1 Annual Percentage Yield 1.30% for minimum balance of $2000 as of 8/26/24.
    • Rate subject to change.
    • Bonus of $250 will be deposited to a 1-Year Add-On Certificate within 45 days of promotion end date. Not valid for funds already on deposit with MSUFCU.
    • Offers cannot be combined. Not valid for business or youth accounts.
    • Bonus may be taxable and reported on an IRS Form.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    $5 fee if the account has less than $2,000 in it.

    Early Account Termination Fee

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

    Our Verdict

    Not clear if this is just restricted to that single branch that is opening or not.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [NY & CT only] Ridgewood Savings Bank $300 Checking Bonus – Doctor Of Credit

    [NY & CT only] Ridgewood Savings Bank $300 Checking Bonus – Doctor Of Credit

    Offer at a glance

    The Offer

    Direct link to offer

    • Ridgewood Savings Bank is offering a bonus of $300 when you open a new checking account and complete the following requirements:
      • Receive $300+ in qualifying and recurring direct deposits

    The Fine Print

    • Bonus Offer is available from September 9, 2024, through December 16, 2024 (“Promotion Period”) for consumers who (a) do not currently hold a Ridgewood checking account either personally or as joint owner, (b) did not have a Ridgewood checking account either personally or as joint owner in the three-month period prior to opening the required account under this offer, and (c) open a new personal checking account during the Promotion Period that satisfies the applicable offer criteria set forth below (an “eligible customer”).
    • Customer(s) must be an eligible customer and meet all existing checking account qualification requirements to qualify for this offer and must maintain a checking account in accordance with the Bank’s account terms, conditions and Disclosure of Service Charges.
    • Minimum of $300 or more in qualifying and recurring direct deposits to be eligible for the bonus.
    • The $300 bonus earned in accordance with the requirements of this offer will be credited to the new checking account within 180 days from account opening.
    • The first direct deposit must be made within 90 days and the last qualifying direct deposit must be received within 150 days of new checking account opening date.
    • Each eligible customer may only receive one bonus award.
    • This offer cannot be combined with any other offer.
    • Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security). Person-to-person and bank transfers between your Ridgewood Savings Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.
    • Payments received for goods sold do not qualify. The value of the bonuses paid under this promotion is considered interest, and Ridgewood Savings Bank will issue an IRS Form 1099-INT or other appropriate form.
    • Offer may be withdrawn or modified at any time without notice.
    • Ridgewood Savings Bank employees and immediate family members are not eligible to participate in this offer.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free green checking has no monthly fees to worry about.

    Early Account Termination Fee

    I couldn’t find any mention of an early account termination fee in their fee schedule, so I’m going to assume there isn’t one.

    Our Verdict

    Been awhile since we have seen a bonus from Ridgewood, last time it was $250-$350 but the requirements were more difficult and harder to keep fee free. This bonus seems relatively easy especially considering it’s for $300. Added to the best bank bonus page.

    Useful posts regarding bank bonuses:

    William Charles

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  • [CA] Frontwave Credit Union $200 Checking Bonus – Doctor Of Credit

    [CA] Frontwave Credit Union $200 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount:$200
    • Availability:Must  Live, work or worship in either San Diego, Riverside or San Bernardino counties
    • Direct deposit required: Yes, $250+ within 60 days
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: None/cash advance in branch
    • Monthly fees: None
    • Early account termination fee: Six months, bonus forfeit
    • Household limit: None
    • Expiration date: 9/30/24

    The Offer

    Direct link to offer

    • Frontwave Credit Union is offering a $200 bonus when you open a new checking account and complete the following requirements:
      • Use promo code NEW200
      • Deposit a minimum of $100 into Checking and deposit a minimum of $5 into Savings at account opening
      • Sign up for eStatements within the first 60 days of account opening
      • Conduct a minimum of 30 VISA debit card transactions within the first 60 days of account opening
      • Have one or more direct deposit(s)/ACH(s) or other deposits totaling a minimum of $1,000 must be made into new Savings or Checking account within 60 days of account opening

    The Fine Print

    • To receive $200 checking bonus, members must meet the following requirements: 1) Open a new Frontwave Primary Checking account with a VISA debit card and Savings account; 2) Deposit a minimum of $100 into Checking and deposit a minimum of $5 into Savings at account opening; 3) Sign up for eStatements within the first 60 days of account opening; 4) Conduct a minimum of 30 VISA debit card transactions within the first 60 days of account opening; and 5) Have one or more direct deposit(s)/ACH(s) or other deposits totaling a minimum of $1,000 must be made into new Savings or Checking account within 60 days of account opening. After all requirements are met, the $200 checking bonus will be deposited into the Savings account as a dividend adjustment within 120 days of account opening.
    • To receive a $50 loan bonus, members must meet all requirements above and fund an auto or a credit card loan within 60 days of the Checking and Savings account opening.
    • After funding, the $50 loan bonus will be deposited into the Savings account as a dividend within 120 days of account opening
    • . All bonuses are subject to tax reporting.
    • Limit one $200 checking bonus and one $50 loan bonus per unique Social Security Number per 12-month period. Refer a Friend To receive the $100 referral reward, the referring member must have an existing Frontwave account in good standing.
    • The referral reward will be deposited into the referrer’s account once the new member opens a Checking and Savings account on the same day.
    • Rewards subject to tax reporting.
    • Offers valid for new deposit accounts, loans, and referral accounts opened between 7/1/24 and 9/30/24.
    • Reward not available to Frontwave employees.
    • Limited time offer: program subject to change without notice.
    • Membership and credit subject to credit approval. Other restrictions may apply, see the website for more details.
    • 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

    If the account is closed within six months the bonus is forfeit

    Our Verdict

    Previous best bonus was $100. You can open online now as well which is nice.

    Hat tip to John C

    Useful posts regarding bank bonuses:

    William Charles

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  • [TX Only] Texas Trust Credit Union $100-$500 Checking Bonus – Doctor Of Credit

    [TX Only] Texas Trust Credit Union $100-$500 Checking Bonus – Doctor Of Credit

    Update 9/7/24: Valid until 12/31/2024.

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: TX only. You must (or be a family member of a person) live, work or worship in one of the following counties: Dallas, Tarrant, Henderson, Ellis (Midlothian), Johnson, Denton (Flower Mound), or Tom Green (San Angelo)
    • Direct deposit required: Yes, $3,000-$10,000+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: $10, avoidable
    • Early account termination fee: 180 days, bonus forfeit
    • Household limit: None listed
    • Expiration date: July 31, 2024

    The Offer

    Direct link to offer

    • Texas Trust Credit Union is offering bonus of up to $500. Bonuses are as follows:
      • With qualifying direct deposits totaling $3,000 within the first 90 days of account opening get $100
      • With qualifying direct deposits totaling $5,000 within the first 90 days of account opening get $300
      • With qualifying direct deposits totaling $10,000 within the first 90 days of account opening get $500

    The Fine Print

    • Account holder must make 2 or more qualifying direct deposits totaling a minimum of $10,000 or more within 90 days of account opening to receive $500. Only new Bonus Checking account holders are eligible for this offer. Incentive Reward tiers are based on total qualified direct deposit amount. Account holder must deposit $3,000 to $4,999.99 to earn the $100 bonus, $5,000 to $9,999.99 to earn the $300 bonus or $10,000 or more to earn the $500 bonus.
    • Incentive Reward tiers cannot be combined. Eligible members will receive their incentive deposited into their Bonus Checking account within 30 business days after the 90-day period has lapsed. A qualifying direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer, or the government. Other electronic deposits or person-to-person payments, including but not limited to: Zelle, PayPal, cash, check, and ATM deposits are not considered a qualifying direct deposit for this offer. Accounts must be open and in good standing to receive incentive reward. Account must remain open for 180 days from account opening. Closing the account before the 180-day period may result in incentive reward being withdrawn. Incentive reward may be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer limited to one member per account and may not be used for multiple bonus checking accounts. Offer and terms subject to change without notice. Offer expires July 31, 2024
    • 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 $10 monthly fee, this is automatically waived for the first two months.

    • Eigible fee discounts include:
    • Active debit card Use: $2 (Active Debit Card is 10 non-ATM Point-of-Sale transactions per month totaling at least $100);
    • Online Communication and Banking: $2 (must be actively enrolled);
    • Senior age 55+: $2 (discount applied beginning on month of primary member’s 55th birthday);
    • Public Servant: $2 (Public Servant is any full time employee of a local public or private school district, or municipality including city, county, state, or federal. Must present a recent check stub to qualify or a letter of intent for new employees. Must also fulfill other membership requirements);
    • Active Bill Pay Use: $1 (Active Bill Pay Usage is paying three or more bills through Texas Trust’s Online Bill Pay in the previous month);
    • Membership 5+ Years: $1 (The 5+ Year Membership discount is applicable if today’s date is greater than five years from the day the member initially opened their Texas Trust share account);
    • Direct Deposit: $1 (A direct deposit or mobile deposit [or any combination of the two] totaling $500 or more per month is required to earn the Direct Deposit discount.

    Early Account Termination Fee

    Bonus is forfeit if the account is closed within 180 days of account opening

    Our Verdict

    Keep this account fee free is basically impossible, but you do get the first two months fee free. You need to keep account open for 180 days so expect to pay 4-5 months of fees ($40-$50 but can be reduced somewhat). Unfortunately it’s also a hard pull and we don’t have data points on what works as a direct deposit. Might be worth it for the $300 and $500 tiers but too much hassle for the $100 tier.

    Hat tip to reader Avi

    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

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  • [NY, Greenpoint Branch] Apple Bank $300 Checking Bonus – Doctor Of Credit

    [NY, Greenpoint Branch] Apple Bank $300 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: NY, Greenpoint Branch
    • Direct deposit required:  Yes, $500+ per month for two months
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: No 
    • Monthly fees: None on Totally Free ExtraValue account
    • Early account termination fee: Unknown 
    • Expiration date: None listed
    • Household limit: None, but one per person

    The Offer

    Direct link to offer

    • Apple Bank is offering a $300 bonus when you open a new checking account at the Greenpoint Branch and complete the following requirements:
      • receive Qualifying Electronic Credit Transactions totaling at least $500 each month for two consecutive months

    The Fine Print

    • The Greenpoint Choice Checking $300 Promotional Offer is valid from August 1-October 31, 2024. This promotional offer is only available to customers that do not have a consumer checking account at Apple Bank as of August 1, 2024.
    • Customer must open a Choice Checking account at the Apple Bank Greenpoint branch during the stated period, and the account must receive Qualifying Electronic Credit Transactions (“QECTs” such as pre-authorized ACH credit transactions, including direct deposit and electronically deposited funds originating from peer-to-peer money transfer applications, like Zelle, CashApp, Venmo or PayPal) totaling at least $500.00 each month for two consecutive months after account opening.
    • The first QECT(s) totaling at least $500.00 must be completed within 31 calendar days of account opening.
    • The second QECT(s) totaling at least $500.00 must be completed in the month following the completion of the first QECT(s) of at least $500.00.
    • After completing two consecutive months of QECTs of $500.00 or more, $300.00 will be credited to your Choice Checking account within 31 calendar days of the subsequent month following the completion of the required credit transactions.
    • To receive the $300.00, the qualifying Choice Checking account must not be closed or restricted at the time of payout.
    • Offer is limited to one per account, regardless of the number of Choice Checking accounts opened and/or joint tenants per account.
    • Employees of Apple Bank and their families are not eligible for this offer.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    The Totally Free ExtraValue Checking  has no monthly fee.

    Early Account Termination Fee

    Apple Bank does not make their fee schedule public, so we’re unable to check to see if they charge any early account termination fees.

    Our Verdict

    Might be an OK deal if you live near a branch. Better than the $100 bonus previously offered.

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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

    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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  • [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

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    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

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