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Tag: pa bank bonuses

  • [PA, MD] F&M Trust $250 Business Checking Bonus – Doctor Of Credit

    Update 9/6/25: Deal is back until 12/31/25. Hat tip to rayyan

    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: PA, MD
    • 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: Unknown
    • Household limit: None listed
    • Expiration date: 6/30/25

    The Offer

    Direct link to offer

    • F&M Trust is offering a bonus of $250 when you open a new business checking account and complete the following requirements
      • Open with a $1,000 minimum opening balance

    The Fine Print

    • Offer valid 1/02/2025 through 6/30/25.
    • A minimum opening balance of $1,000 required to receive $250 new account bonus, awarded within 30 days of account opening through an account credit.
    • Check discount/credit applied at the time of check ordering.
    • As required by law, F&M Trust will report the value of the bonus to the IRS.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about

    Early Account Termination Fee

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

    Our Verdict

    Seems very easy to get the bonus, share your experiences below.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [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

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  • [NJ & PA] Parke Bank $450 Checking Bonus – Doctor Of Credit

    [NJ & PA] Parke Bank $450 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $450
    • Availability: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating “Zip code is not valid for this application” in the event that your zip code is not in an approved area).
    • Direct deposit required: Yes, $500+
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: $7, avoidable
    • Early account termination fee: 12 months for the full bonus
    • Household limit: None
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Parke Bank is offering a $500 bonus when you open a new checking account. Bonus broken down as follows:
      • Open this special checking account and receive $250 after having two qualifying direct deposits totaling $500 or more post to your account within 90 day
      • On the one-year anniversary of the account (with at least two additional qualifying direct deposits), you will be eligible for an additional $250

    The Fine Print

    • Minimum deposit to open account is $1,000. If the minimum daily balance falls below $1,000 a $7.00 per month service fee will be charged, and the customer will not be eligible for the $250 bonus.
    • New money only.
    • (Funds not on deposit with Parke Bank within the last 30 days.)
    • A qualifying direct deposit is defined as a recurring direct deposit (paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or outside agency). Funds that do not qualify are credit card payments, cash advances, wire transfers, person-to-person transfers and deposits made at an ATM or physical branch.
    • Product is a non-interest-bearing checking account.
    • Offer may be discontinued, extended or changed at any time.
    • This product is only for personal accounts.
    • Business Accounts are not eligible for this promotion.
    • Parke Bank employees and families of employees are not eligible for this offer.
    • Limit of one bonus per customer.
    • Your account must remain open to receive this bonus.
    • Bonus will be credited within 30 days after all conditions have been met.
    • All account applications are subject to approval.
    • As stated in the Deposit Account Agreement, accounts with a zero balance may be closed, by the Bank, without prior notice.
    • The value of the bonus is considered taxable income. Please consult with 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 $7 monthly fee, this is waived if you have a balance of $1,000+.

    Early Account Termination Fee

    As far as I know there is no EATF. But account does need to be kept open for 12 months.

    Our Verdict

    Previously there was a bonus that was $20 per month. This is better as it doesn’t need to be opened in branch and you can get the full bonus quicker as well. We will add this to our list of the best checking bonuses.

    Hat tip to ShawntheShawn

    Useful posts regarding bank bonuses:

    William Charles

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  • [PA] Citadel Bank – $750 Business Checking Bonus – Doctor Of Credit

    [PA] Citadel Bank – $750 Business Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $750
    • Availability: Must live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA or if  a member of your family or household is already a customer, no matter where you live.
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Unknown, sensitive
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: 11/30/2024

    The Offer

    Direct link to offer

    • Citadel Credit Union is offering a bonus of up to $1,000 when you open a new business checking account. Bonus broken down as follows:
      • Earn a $450 cash bonus with new money deposits of funds not currently on deposit with Citadel totaling $25,000 or more within the first 30 days (internal transfers excluded) and maintain a $25,000 daily balance for the remaining 60 days after account opening
      • After meeting these requirements, earn an additional $300 by enrolling in one of Citadel’s Cash Management Solutions; Merchant Services, Payroll Services or ACH Origination and complete your first merchant deposit or first transaction within 90 days of account opening.
      • Additional $250 Cash Rebate from First Data Merchant Services, LLC is applied for new qualified Citadel merchant members

    The Fine Print

    • Earn Up to $1,000 – New Account Cash Bonus & Rebate Offer: Earn a $450 cash bonus with new money deposits of funds not currently on deposit with Citadel totaling $25,000 or more within the first 30 days (internal transfers excluded) and maintain a $25,000 daily balance for the remaining 60 days after account opening.
    • After meeting these requirements, earn an additional $300 by enrolling in one of Citadel’s Cash Management Solutions; Merchant Services, Payroll Services or ACH Origination and complete your first merchant deposit or first transaction within 90 days of account opening.
    • Once you meet these requirements, and your checking account has been open 90 days, your bonus(es) will be paid within 10 business days.
    • Additional $250 Cash Rebate from First Data Merchant Services, LLC is applied for new qualified Citadel merchant members – Promotional offer expires November 30, 2024. This offer is available for qualified Citadel Credit Union merchant services members who have not had a merchant services account processed by First Data Merchant Services, LLC within the last six months. New accounts are subject to standard credit approval and underwriting requirements. A $250 rebate applies to Clover devices valued more than $250. Rebate will be initiated to the merchant’s account within 60 days after the merchant’s account is activated. To be eligible for the rebate, the merchant must: (1) have a minimum processing volume of $100,000 annually; (2) must be credit approved between 6/1/2024 and 11/30/2024; (3) activate account by submitting a batch of $25 or more in sales within 30 days of approval date; and (4) sign a merchant processing agreement. Additional fees apply to certain Clover app’s software components, services and activated accounts. Only one offer per eligible business tax ID. Eligibility is at the sole discretion of First Data Merchant Services LLC. Early termination fees apply. Offer not valid with any other offer and subject to change without notice. Terms and conditions apply per the merchant processing agreement.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Essential checking has no monthly fees to worry about.

    Early Account Termination Fee

    Citadel bank does not charge any early account termination fees from what we could find.

    Our Verdict

    The $450 bonus works out to be over 10% annualized return, so might be worth doing. Others not so much as it requires other business activities to be set up.

    Hat tip to Mrs. Gee

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Citizens Bank One Deposit Checking Account $9.99 Monthly Fee

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Alex

    Useful posts regarding bank bonuses:

    William Charles

    Source link

  • [Northeastern PA only] Fidelity Bank $525 Checking Bonus – Doctor Of Credit

    [Northeastern PA only] Fidelity Bank $525 Checking Bonus – Doctor Of Credit

    Update 8/25/25: Deal is back active at $525. Hat tip to reader Gorb

    Update 1/15/22: Deal is back, now $525.

    Update 9/19/20: Deal is back, no end date listed. There is now a savings requirement as well. Hat tip to Gadget.

    Update 4/20/20: Bonus increased to $500. Direct deposit required increased from $2,500 to $3,000 per month. eSatement and debit card transactions also added. Hat tip to reader Yo

    Offer at a glance

    The Offer

    Direct link to offer

    • Fidelity Bank is offering a bonus of $200 when you open a new checking account and complete the following requirements within 150 days of account opening:
      • Set up your account with direct deposits or recurring credits of $2,500 per month for three consecutive months
      • client is enrolled in EZ Statements and
      • 15 point-of-sale debit card transactions per month are completed
    • Use your Fidelity Visa® Debit Card at qualifying merchants an additional 60 times over a 3 consecutive month period and earn $100
    • Open a new Fidelity Bank savings account at the same time with a minimum of $15,000 and earn an additional $200.
    • Open your new Fidelity Bank checking account online and earn $25

    The Fine Print

    • Offer valid for new personal checking account customers only.
    • A $500.00 deposit will be made into your Fidelity Bank checking account when direct deposits or recurring credits of $3,000.00 per month are received for a minimum of three (3) consecutive months.
    • Requirement must be satisfied within one hundred and fifty (150) calendar days of account opening.
    • Deposit will be made on the first (1st) business day after one hundred and fifty (150) calendar days from account opening.
    • Minimum deposit to open a checking account may range between $25.00 and $1,000.00, minimum balance requirements and monthly service charges depend on which checking account is chosen.
    • Please consult your Fidelity Banker for specific product information. Minimum balance requirements and fees may reduce earnings.
    • The annual percentage yield (APY) for Performance Checking or Platinum Checking accounts is 0.05% if balance requirement of $2,500.00 is met. APY is current as of May 20, 2019 and may be rescinded or changed at any time.
    • Rates are variable and may change at any time.
    • Bonus will be reported on IRS Form 1099-Misc.
    • Cannot be combined with any other offer.
    • Customers may only receive one new checking account and savings account opening-related bonus per calendar year.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Reliance Checking $7 Monthly Fee

    This account is the easiest to keep fee free, the $7 monthly charged is waived if you do any of the following:

    • $1500 average daily balance OR
    • $400 aggregated monthly direct deposit
    • or ten (10) signature based Fidelity Visa® Check Card transactions

    Early Account Termination Fee

    There is a fee if closed within 180 days, but I’m unsure what this fee is.

    Our Verdict

    Previous best bonus was $200, that required a savings account but lower direct deposit/recurring credit. This new bonus is significantly better because the bonus is $400 and the direct deposit/recurring credit isn’t that difficult to meet. Because of that we will be adding this to our list of the best bank bonuses.

    Hat tip to reader Jeff L

    Useful posts regarding bank bonuses:

    William Charles

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

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

    Offer at a glance

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

    $15 monthly fee:

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

    Early Account Termination Fee

    There is no early account termination fee.

    Our Verdict

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

    Hat tip to Bank Account Bryan

    Useful posts regarding bank bonuses:

    William Charles

    Source link

  • [DE, MD, NJ, PA] Firstrust Bank $300 – $450 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [DE, MD, NJ, PA] Firstrust Bank $300 – $450 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $450
    • Availability: Must be a resident of DE, MD, NJ, PA
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding:  Can fund at least $1,000 with a credit card
    • Monthly fees: Yes, $10 or $25 monthly fee (avoidable)
    • Early account termination fee: $25, 1 year
    • Household limit: One
    • Expiration date: 12/31/2024

    The Offer

    Direct link to offer

    • Firstrust Bank is offering up to 50,000 points when you open a new checking account. Bonuses are as follows:
      • Open a Eagles FirstPaySM Checking and earn 35,000 points when you spend $350 within 60 days
      • Open a Eagles FirstPaySM Premier Checking and earn 50,000 points when you spend $500 within 60 days

    The Fine Print

    • Limit 1 bonus reward points offer per household. Bonus points may be redeemed for gift cards, merchandise, or travel.
    • Bonus will be provided 60 days after completion of the spend requirement.
    • Points will not be earned for ATM or other cash withdrawals, for transferring funds, Bill Pay transactions, or for transactions using third-party money transmission service providers. Points can be redeemed through scorecardrewards.com.
    • Reward points have no cash value. Other terms and conditions apply, see Program Rules for complete details. Offer can be withdrawn at any time without notice.
    • New Eagles FirstPaySM checking customers can earn 35,000 bonus points. Eagles FirstPaySM customers will become eligible for the bonus points by making debit card purchases totaling $350 or more within 60 days of new account opening. Official Bonus Point Program Rules – FirstPaySM Debit Card
    • New Eagles FirstPaySM Premier checking customers can earn 50,000 bonus points. Eagles FirstPaySM Premier customers will become eligible for the bonus points by making debit card purchases totaling $500 or more within 60 days of new account opening. ‍Official Bonus Point Program Rules – FirstPaySM Premier Debit Card
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    FirstPay Checking Account

    To avoid monthly maintenance fee ($10), account is required to have one of the following each month: $500 minimum daily balance, monthly direct deposit, 10 debit card purchases or 5 online bill payments.

    FirstPay Premier Checking

    To avoid monthly maintenance fee ($25), account is required to have one of the following maintain $5,000 combined balance in deposits accounts or have $50,000 in consumer loans and lines of credit balances.

    Early Account Termination Fee

    There is an early account termination fee of $25 if closed within a year.

    Our Verdict

    The points system is a bit annoying but the some redemptions are:

    • 12,400 points = $100 cash back via ACH
    • 10,800 points = $100 gift card to Amazon, Walmart, Target, Home Depot, Cabela’s Best Buy, Sephora
    • 3600 points = $25 cash back via ACH
    • 6500 points = $50 cash back via ACH
    • 9500 points = $75 cash back via ACH
    • 5500 points = $50 gift card to Amazon, Home Depot, Darden Restaurants, Best Buy, etc…
    • 3200 points = $25 gift card to Apple
    • 2700 points = $25 gift card to Barnes & Noble

    So the 35,000 point bonus is basically 3 x $100 gift cards and the 50,000 point bonus is 4 x $100 gift cards and a $50 ACH. Even though the points are annoying this is better than when it’s an all cash bonus and very much doing doing as no direct deposit is required. Will add this to our list of the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [PA] Citadel Bank – $300 Checking Bonus – Doctor Of Credit

    [PA] Citadel Bank – $300 Checking Bonus – Doctor Of Credit

    4/20/24: Deal is back until December 31, 2024

    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: Must live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA or if  a member of your family or household is already a customer, no matter where you live.
    • Direct deposit required: $500+
    • Additional requirements: See below
    • Hard/soft pull: Soft
    • ChexSystems: Unknown, sensitive
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee:
    • Household limit: One per lifetime
    • Expiration date: July 21st, 2018 September 15th, 2018 None listed March 16th, 2020 January 8, 2022

    The Offer

    Direct link to offer

    • Citadel Bank is offering a bonus of up to $300 when you open a new checking. Bonus is broken down as follows:
      • Receive $300 when you receive a direct deposit of $500 or more within 60 days of account opening. Use promo code BONUSFB2024
      • Receive $100 when you open a Citadel High Yield Savings account (minimum balance of $10,000, also must be maintained for 30 days ) or Citadel credit card (minimum credit limit of $1,000)

     

    The Fine Print

    • All standard account requirements apply.
    • The Cash Bonus offer may not be combined with any other offer. Offer available to new checking customers only.
    • Customer must not have closed a Citadel checking account within the last 12 months and/or received a checking sign-up bonus or award previously.
    • Limit one offer per household per lifetime.
    • To qualify for $300 Cash Bonus, a direct deposit of $500 or more must post to new checking account within 60 days of account opening. Direct deposit transactions are limited to payroll, social security, and government benefits.
    • For the additional $100 Cash Bonus, checking Cash Bonus offer requirements must be met, and customer must open any Citadel credit card with a limit of at least $1,000 and/or open a Citadel High Yield Savings account.
    • Minimum balance required to open Citadel High Yield Savings – $10,000.
    • Minimum balance must be maintained in the High Yield Savings account for at least 30 days after account opening in order to receive the additional $100 bonus.
    • Limit one additional $100 Cash Bonus per account.
    • To receive Cash Bonus(es), customer must contact Citadel by calling (877) 780-1615 or visiting a branch after completing requirements for each bonus.
    • Checking account must be open for 60 days before Cash Bonus is awarded.
    • Cash Bonus will be awarded after sixty days, once Citadel confirms the requirements have been met.
    • Account must be in good standing at time of incentive processing in order to receive Cash Bonus.
    • Cash Bonus must be requested within 60 days of meeting the promotion requirements.
    • Cash bonus may be reported on a 1099-INT.
    • Offer expires July 21, 2018.
    • This limited time offer may be withdrawn or changed at any time.

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

    Citadel bank does not charge any early account termination fees from what we could find.

    Our Verdict

    Opening a credit card will almost certainly result in a hard pull, so that isn’t worth doing. The high yield savings account earns 1.5% APY, so it isn’t worth keeping long term but it might make sense to open and keep funds in there for 30 days to trigger the $100 bonus. Previously they had a $250 checking bonus with no direct deposit requirement. Personally I’d take $50 less to not have to deal with the direct deposit requirement, but no gaurantees that bonus comes back and some people might prefer the extra $50. I do think this is worth doing if you live in an eligible area, so I’ll be adding this to our list of the best checking bonuses.

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

    Useful posts regarding bank bonuses:

    Post history:

    • Update 2/3/24: Deal is back but $300 this time. Valid until JAN243008. Valid until March 12, 2024
    • Update 6/28/23: New link for $325.
    • Update 3/15/23: Extended until December 31, 2023
    • Update 1/12/23: Extended until March 14, 2023. 
    • Update 4/17/22: Deal is back and valid until December 31, 2022. Hat tip to alopez14
    • Update 1/13/22: Deal is back and valid until March 31, 2022. Hat tip to reader Jim
    • Update 11/14/21: Deal is back and valid until 1/8/22.
    • Update 2/2/20: Deal is back, but this time the $100 savings bonus not available.
    • Update 09/16/18: As far as I can see, there is no end date listed anymore.
    • Update 08/26/18: Deal is back and valid until September 15th, 2018. Hat tip to reader Tyler.

    William Charles

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

    The Fine Print

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

    Avoiding Fees

    Monthly Fees

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat ti to Phil P

    Useful posts regarding bank bonuses:

    William Charles

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer

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

     

    The Fine Print

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

    Avoiding Fees

    TD Convenience Checking $15 Monthly Fee

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

    TD Premier Checking $25 Monthly Fee

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

    TD Beyond Savings $15 Monthly Fee

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

    TD Simple Savings $5 Monthly Fee

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

    Early Account Termination Fee

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

    Our Verdict

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

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

    Useful posts regarding bank bonuses:

    Post history:

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

    William Charles

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  • [PA only] Ardent Credit Union $700 Checking Bonus – Doctor Of Credit

    [PA only] Ardent Credit Union $700 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $700
    • Availability: PA only. Must live, work or worship in Philadelphia, Bucks, Chester, Delaware and Montgomery
    • Direct deposit required: Yes, $100+ per month
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown, not sensitive
    • Credit card funding: Up to $500
    • Monthly fees: None listed
    • Early account termination fee: None listed
    • Household limit: None listed
    • Expiration date: June 30, 2024

    The Offer

    Direct link to offer

    • Ardent Credit Union is offering a checking bonus of up to $700. Bonus is broken down as follows:
      • Log into eBanking to earn $50
      • Enroll your debit card in your mobile wallet to earn
      • Get 7.50% cash back per month, up to $50 cash back per month (for the first 12 months) when the following requirements are met:
        • Get qualifying recurring direct deposits totaling $100 or more
        • Receive eStatements
        • Make 8 debit card transactions

    The Fine Print

    • Offer valid only on Cashback Checking accounts opened between February 6, 2024 and June 30, 2024.
    • The monthly bonus is available for 12 consecutive months for new accountholders who qualify.
    • However, this offer may end at any time.
    • New checking accountholders only.
    • A checking accountholder is considered new if they have not been primary or secondary owner on an Ardent checking account in the last 12 months.
    • Must meet membership eligibility of living, working, worshipping, volunteering or attending school in Bucks, Chester, Delaware, Montgomery or Philadelphia Counties. Relatives and household members of current Ardent members may also be eligible.
    • Visit ardentcu.org/join for more details.
    • Promotion Code (CK700) must be entered at new account opening to be eligible for this offer and cannot be added to an account at a later date. Ardent Credit Union reserves the right to determine in its sole discretion that an account is ineligible for the promotion because the activity on the account was limited to only the actions needed to qualify for the bonus.
    • A qualifying account must be funded, remain open and in good standing to receive the bonus.
    • Qualifying accounts earn the standard 1.50% cash back (up to $10 per month) on net debit card purchases.
    • This offer adds a monthly cash back bonus, which is an additional 6.00% cash back on net debit card purchases.
    • For example, $100 of debit card purchases would result in $1.50 in standard cash back for a qualifying account.
    • The cash back bonus on $100 would be 6.00% of $100, which equals $6.00.
    • In total, the account would earn $7.50 ($1.50 standard cash back + $6.00 cash back bonus) for the month, which is 7.50% cash back. The standard cash back will appear at the start of the next month.
    • The cash back bonus will appear within 3 business days after the start of the month.
    • This is a 12 month promotion.
    • Month one is the account opening month and it continues for the next 11 months.
    • For example, an account opened March 15, 2024 will earn on net debit card purchases during March (Month 1) through the end of February 2025 (Month 12).
    • To earn the $50 eBanking login bonus, the member must register for eBanking and login within 30 days of account opening. The eBanking bonus will be paid within 30 days of the action completion. To earn the $50 mobile wallet bonus, the member must successfully register their Ardent Visa debit card with either Apple Pay or Android Pay within 30 days of account opening.
    • The mobile wallet bonus will be paid within 30 days of the action completion. PLEASE NOTE: To be eligible for the bonus, regular deposit and transaction activity consistent with normal day-to-day spending patterns must be evident during the promotional period (365 days from account opening date). Limit one Cashback Checking account per member.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    These account has no monthly fees to worry about

    Early Account Termination Fee

    I didn’t see any early account termination fee in the fee schedule.

    Our Verdict

    A lot of requirements you need to meet for 12 months. You also need to spend $666+ per month on the debit card. Previously they offered a smaller bonus for $350 with a lot less requirements.

    Hat tip to reader Bockrr

    Useful posts regarding bank bonuses:

    William Charles

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  • [DE, PA & NJ only] Sun East Federal Credit Union $150 Referral Checking Bonus – Doctor Of Credit

    [DE, PA & NJ only] Sun East Federal Credit Union $150 Referral Checking Bonus – Doctor Of Credit


    Offer at a glance

    • Maximum bonus amount:
    • Availability: DE, PA and NJ only. Might be nationwide with $10 donation but lots of accounts were not approved last time.
    • Direct deposit required: Yes, no minimum specified
    • Additional requirements:See below
    • Hard/soft pull: Soft
    • ChexSystems: Yes
    • Credit card funding: $550
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Sun East Federal Credit Union is offering a $150 referral bonus to both parties when the new customer completes the following requirements:
      • open a checking account,
      • establish direct deposit, and conduct at least 1 direct deposit transaction into the checking account within 45 days of account activation
      • deposit a minimum of $250 within 45 days of account activation and have $250 in the account on day 45

    The Fine Print

    • To be eligible for the program an Advocate must be a Sun East member in good standing, as defined in our bylaws, having a principal residence in Delaware, Maryland, New Jersey, or Pennsylvania, and has been a member for at least 6 months. 
    • The referred new member or Friend must remain in good standing for 45 days from the date of account opening. A Friend must also: 1) meet the residency requirements; 2) open a checking account, establish direct deposit, and conduct at least 1 direct deposit transaction into the checking account within 45 days of account activation; and 3) deposit a minimum of $250 within 45 days of account activation and have $250 in the account on day 45. Internal account transfers (transfers between accounts held by Sun East) are not eligible to meet the checking account minimum. 
    • Existing primary members/Advocates and joint owners on such accounts who open new accounts do not qualify as Friends and will not receive a referral bonus. Former members may qualify as a Friend if their account was closed for at least 6 months before the date of reopening. 
    • Once a Friend is referred by an Advocate, no other members may refer that same Friend. 
    • Members who open accounts by fraudulent, suspicious, or illegal means, or who make referrals or open accounts in a manner not consistent with the spirit or intent of the Program, as determined in our sole discretion, are not eligible to participate and referral bonuses will be denied. 
    • A valid referral for the reward bonus requires:
      • Advocate must remain in good standing for the 45 days of Friend’s account opening;
      • Friend must complete the Sun East membership application by accessing it through the Advocate’s personal link; and
      • Friend must be approved for membership, meet the residency requirements, and account requirements as disclosed.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about.

    Early Account Termination Fee

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

    Our Verdict

    Previously there was a $300 checking bonus. Feel free to share your referrals in the comments below. Anyone can join Sun East credit union with a $10 donation to the Sun East Foundation if they don’t meet the local criteria. A lot of people were denied when there was a high yield account offer.

    Hat tip to reader Phil P

    Useful posts regarding bank bonuses:



    William Charles

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  • [PA & OH] S&T Bank $300/$400 Checking Bonus – Doctor Of Credit

    [PA & OH] S&T Bank $300/$400 Checking Bonus – Doctor Of Credit

    Update 1/22/24: Deal is back and valid until March 29, 2024.

    Update 12/2/23: Deal is back and valid until 12/31/23. Hat tip to 14lopeza

    Update 6/6/23: Deal is back and valid until 6/30/23

    Offer at a glance

    • Maximum bonus amount: $400
    • Availability: Must be a resident of Pennsylvania or Ohio. Need to live close to a branch (possibly within 25 miles)
    • Direct deposit required: Yes, $500+
    • Additional requirements: eStatements & $1,000 debit card purchases
    • Hard/soft pull: Soft
    • ChexSystems: Unknown
    • Credit card funding:  Up to $100
    • Monthly fees: None
    • Early account termination fee: Six months
    • Household limit: None
    • Expiration date: March 31st, 2020 June 30th, 2020 September 30th, 2020 December 31, 2020 March 31, 2021 June 30, 2021 September 30, 2021

    The Offer

    Direct links to offer: East PA ($400) | West PA ($300) | OH ($300) |

    • S&T Bank is offering a bonus of up to $300 when you open a checking account and complete the following requirements:
      • Use promo code STEPA1Q24
      • Open with a minimum of $50 and maintain that until the bonus posts
      • Make at least two direct deposits of $500+

     

     

    The Fine Print

    • This offer is not available to current S&T Bank checking customers or those who have closed an S&T Bank checking in the past 12 months.
    • Offer applies to new consumer checking accounts (Preferred Banking, Select Banking, and Four Star Banking (also interest bearing for Preferred Banking and Four Star Banking)) opened from 3/2/20 – 3/31/20.
    • New accounts will not be eligible for offer if any signer has signing authority on an existing S&T Bank consumer checking account.
    • Signing authority will be defined by the customer name(s) and social security number(s) registered on the account.
    • Offer cannot be combined with any other checking offer and is subject to change or termination without notice.
    • One incentive payout per household.
    • To qualify for the first $100 offer, the initial deposit of $50 must be made within 10 days of account opening and the following conditions also must be met by 4/24/20:
      • (a) at least ten $10 S&T Bank Visa Debit card purchases (posted and cleared) must be made and
      • (b) enroll in online statements.
    • A $100 will be credited to the eligible account 5/8/20 for completing the 3 tasks listed above.
    • If checking account is opened online, you will receive an additional $50 bonus to your S&T Bank checking account on 5/8/20.
    • The additional $200 will be credited to the S&T account on or before 10/16/20 to signify the 6-month anniversary date of the account opening provided the account qualified for the debit card and online statement incentive.
    • The max incentive you can receive during this time is $350.
    • The account must not be overdrawn during the promotional period to receive any of incentives.
    • Subject to 1099 reporting. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Select checking account has no monthly fees to worry about. People are being charged a $3 fee if no bill pay is used (you can remove bill pay from your account and the fee is not charged).

    Early Account Termination Fee

    Account needs to be kept open for six months

    Our Verdict

    Previously the bonus was $200. This $350 bonus seems incredible, no direct deposit or monthly fee to worry about. It’s annoying that you don’t get the full bonus for six months, but still hard to complain. This will be added to our best bank account bonus page.

    Hat tip to JL

    Useful posts regarding bank bonuses:

    Post history:

    • Update 1/12/23: Extended until March 31, 2023. Direct deposit is now required. I’d recommend waiting for the no direct deposit requirement to return.
    • Update 10/12/22: Extended until December 31, 2022.
    • Update 7/30/22: Extended until September 30, 2022. There is a $400 offer if in Eastern PA
    • Update 4/7/22: Extended until 6/30/22. There is a $400 offer if in Eastern PA
    • Update 1/5/22: Extended until 3/31/22, bonus now $300.
    • Update 10/13/21: Deal has been extended until 12/31/21.
    • Update 8/5/21: Bonus has been increased to $400 (previously was $300/$350). Hat tip to MoneyChaser
    • Update 5/17/21: Household limit has been removed. Hat tip to reader JP
    • Update 2/20/21: Deal is back, but now $300 instead of $350.

    William Charles

    Source link

  • [NY, PA, NJ] Visions Federal Credit Union $200 Checking Bonus – Doctor Of Credit

    [NY, PA, NJ] Visions Federal Credit Union $200 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability:
      • New York Residents – If you live, work, worship, or attend school in Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Madison, Otsego, Rockland*, Schuyler, Steuben, Tioga, or Tompkins Counties, or the cities of Rochester* or Syracuse, you can join.
      • Pennsylvania Residents – If you live, work, worship, or attend school in Bradford or Susquehanna County; the city of Reading*, portions of South Westmoreland* or North Fayette* Counties; portions of the Cities of Allentown*, Bethlehem*, or Easton*, you can join.
        New Jersey Residents – If you live, work, worship, or attend school in Bergen or Passaic Counties; or portions of Essex*, Hudson*, or Union* Counties, you can join.
    • Direct deposit required: Yes, $500+ within 90 days 
    • Additional requirements: Debit card and digital banking
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee:
    • Household limit: None listed
    • Expiration date: June 30, 2024

    The Offer

    Direct link to offer

    • Visions Federal Credit Union is offering a $200 checking bonus when you open a new checking account and complete the following requirements:
      • $100 when you set up new qualifying recurring direct deposits of $500+ within 90 days of account opening
      • $50 when you set up a visions issued debit card
      • $50 when you enroll in digital banking

    The Fine Print

    • Three bonuses totaling up to $200 are available if the following activities are met within 90 days of opening new checking account: (1) $100 for new, qualifying, recurring direct deposits made into new checking account; cannot be reallocated from another Visions share account. Direct deposits must be payroll from employment, pension, or Social Security totaling an aggregate of $500 or more within 90 days of opening the new checking account; (2) $50 for Visions-issued debit card linked to new checking account during promotional period; (3) $50 for new, first-time enrollment in digital banking during the promotional period.

       

    • Direct deposit bonus will be credited 90 days after the open date of new checking account. Debit card and digital banking enrollment bonuses will be deposited within 24 hours of meeting the requirements. Bonuses will be applied to member’s primary savings. Bonuses reportable for tax purposes.

       

    • Consumer accounts only; must be in good standing. Guardian, rep payee or executor, collections charge-off, business, and/or organizational accounts are ineligible. Must be 18 years of age or older. Offer only valid during promotional period from January 2, 2024 to June 30, 2024. Visions reserves the right to end or modify this promotion without notice. Member cannot take advantage of promotion more than once. 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

    Flex checking has no monthly fees to worry about.

    Early Account Termination Fee

    I wasn’t able to find a fee schedule

    Our Verdict

    Looks to be a pretty good bonus, always nice when you can at least get some of the bonus without a direct deposit.

    Hat tip to reader Phil P

    Useful posts regarding bank bonuses:

    William Charles

    Source link

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

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

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

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

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

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

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

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

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

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

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

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

    Offer at a glance

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

    The Offer

    Direct link to offer : VA | OH | PA

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

    The Fine Print

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

    Avoiding Fees

    Everything Checking Account $5 Monthly

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

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

    Early Account Termination Fee

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

    Our Verdict

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

    Hat tip to reader Derek D

    Useful posts regarding bank bonuses:

    Post history:

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

    William Charles

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