Update 7/28/26: Available again, if it doesn’t work for you try a VPN. 

Update 7/25/26: Available again, if it doesn’t work for you try a VPN. 

The Offer

Direct link to offer

• Capital One Cafes are offering a free handcrafted beverage

Our Verdict

These are located in AZ, CA, CO & D.C. FL, GA, IL, MA, MI, MN, MO, NV, NY, OH, OR, PA, TX, VA, and WA A full list can be found here.

Hat tip to SD

Update 10/19/23: On October 26, 2023 there will be a $100 cash offer

Update: Looks like people are being denied in the comments. It’s possible you need to live in the market area of ‘ND, MN, MT, SD’ obviously ND & MN won’t work that leaves MT & SD. Because of that we won’t add it to the best bank bonuses.

Offer at a glance

• Maximum bonus amount: $100 Amazon gift card
• Availability: Nationwide, Excluding ND & MN
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Up to $2,000
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None
• Expiration date: September 12, 2022

The Offer

Direct link to offer

• Gate City Bank is offering a $100 amazon gift card as a referral bonus to both parties when the person being referred completes the following requirements:
  • Open a new checking account with a minimum deposit of $50+ by September 19
  • Account must remain open with a positive balance to receive the Amazon gift card, this will be be emailed on or before September 30, 2022

The Fine Print

• Not valid with other offers.
• New customer must be a first-time Gate City Bank personal checking customer at least 10 years of age and have a permanent mailing address outside of North Dakota and Minnesota.
• New customer’s checking account must be approved and funded with a minimum deposit of $50 by September 19, 2022, and must remain open and maintain a positive balance to receive the Amazon.com Gift Card, which will be emailed to new customer and referrer on or before September 30, 2022.
•  
• 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 a totally free checking account with 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, but looks like account only needs to be kept open until September 30.

Our Verdict

Assuming this is a soft pull it seems worth doing as there are no requirements for the bonus. Even better if you can refer friends as well. Do not share your referrals in this post, instead they can be shared in this linked post. We will add this to our list of the best checking bonuses if it’s a soft pull.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 7/12/26: Deal should be back from 7/12 – 7/18. Check with local store to confirm. 

Update 6/14/26: Deal is back from 6/14 – 6/20. 

Update 5/16/26: Deal should be live 5/17 – 5/23. Check with your local store to confirm

Update 4/19/26: Deal is back for 4/19 – 4/25. Check with your local store to confirm. 

Update 3/22/26: Deal is back for 3/22 – 3/28. Check with your local store to confirm.

The Offer

Check your Office Depot/Max store for the following deal:

• Buy $300 in Visa gift cards and get $15 discounted instantly at the register.

The Fine Print

• In-store only

Our Verdict

Buy a $200 Visa gift card and a $100 Visa gift card or buy two $200 Visa gift cards. The best way to maximize is to buy three $200 Visa gift cards; you should get $30 off (or more) in a single checkout.

Fees are $5-$8 per card, but can be more-than-offset by this $15 instant discount. They usually offer a deal the week following Staples.

Use a card like the INK Cash/Plus which earns 5x at office supply stores. Some people might have a Chase Offer/Bank Amerideals for Office Depot as well.

Post History:

• Update 2/22/26: Deal is back for 2/22 – 2/28. Check with your local store to confirm.
• Update 1/25/26: Should be back this week 1/25 – 1/31
• Update 12/21/25: Deal is back this week 12/21-12/27. 
• Update 11/23/25: This deal is back for 11/23 – 11/29
• Update 10/26/25: This deal is back for 10/26 – 11/1. 
• Update 9/28/25: Deal is back this week, 9/28 – 10/4 (ht reader svns)
• Update 8/31/25: Deal is back this week, 8/31-9/6
• Update 8/3/25: Deal is back. Valid from 8/3 – 8/9
• Update 7/6/25: Deal is back for 7/6-7/12, confirmed.
• This deal is supposed to be back this week, 7/6-7/12. I’m leaving this as Expired until we hear confirmation that it’s live.
• Update 6/8/25: Deal is back this week 6/8 – 6/14
• Update 5/11/25: Deal is back this week 5/11 – 5/17 (ht to reader Jason)
• Update 4/13/25: Deal is back from 4/13 – 4/19. Hat tip to FM
• Update 3/15/25: This deal is back for 3/16 – 3/22. Reports aren’t always accurate (sometimes it only goes live mid-week), so keep that in mind. Stack with the Chase/BofA Offer for 5% back.
• Update 2/16/25; Deal is back from 2/16 – 2/22. Hat tip to Aj & nes
• Update 1/19/25: Deal is back from 1/19 – 1/25. Hat tip to nina

The Offer

• Walmart is offering $10 off $35+ when you use promo code  FAST30. Works for your next three delivery or pickup orders.

The Fine Print

• Offer excludes alcohol and prescription purchases

Our Verdict

Walmart+ offers free shipping otherwise just use the pickup option. Should stack with other Walmart deals such as:

• AmEx Offers (Platinum): $20 Off $60 at Walmart.com (Can Be Done Twice)
• Sales Tax Holidays In Various States During August
• Can try going through a portal but as the code isn’t limited it will probably invalidate cashback 
• More possible options here

F.A.Q’s

How many times can I do this deal?

Terms say three times, but seems like some people are only able to do two. There might be a velocity limit in place (e.g two orders max within 24 hours). 

How much does delivery cost?

$9.95 or free with Walmart+

The promo code isn’t working

Make sure you have $35+ in eligible items in cart. 

Offer at a glance

• Maximum bonus amount: $250
• Availability: MO and KS, in branch only. Branch locations here. KC Metro area only
• Direct deposit required: Yes, no minimum 
• Additional requirements: None
• Hard/soft pull: Soft pull
• ChexSystems: Yes
• Credit card funding: None
• Monthly fees: None 
• Early account termination fee: $25, 90 days
• Household limit: None listed
• Expiration date: 7/31/26

The Offer

Direct link to offer

• OMB Bank is offering a $250 bonus when you open a new high interest checking account and complete the following requirements:
  • Receive a direct deposit within 90 days (no minimum)

The Fine Print

• ^Offer valid for new OMB Bank checking customers only. To qualify for $250 bonus, customer must open a new OMB High Interest Checking account in person (not available online) between 4/1/26 and 7/31/26, establish and receive at least 1 (one) monthly qualifying direct deposit within the first 90 days following account opening, and maintain the account in good standing ($0.01 minimum balance required) through the 90th day.
• A qualifying direct deposit is an electronic deposit of regular recurring income (such as salary, wages, pension or government benefits) made through the Automated Clearing House (ACH) network.
• Transfers between accounts, mobile deposits, ATM deposits and person-to-person payments do not qualify.
• The $250 bonus will be credited to the qualifying account within 30 (thirty) days after all requirements are met.
• Bonus may be reported as interest to the IRS on Form 1099-INT.
• Account must not be closed or restricted at the time of bonus payment. Limit one bonus per household.
• Offer not available to existing OMB Bank checking customers or those who have closed a checking account within the past 12 (twelve) months.
• Offer cannot be combined with other retail promotions and may be withdrawn at any time. Fees may reduce earnings.
• Other restrictions may apply.
• 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

$25 if closed within 90 days according to fee schedule.

Our Verdict

If anybody goes for this please share your experiences in the comments below, you should be able to ask if they do a hard pull before applying. 

Hat tip to reader snailrock

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 5/30/21: Can now get $800 checking & $400 savings. Valid until September 30, 2026. Hat tip to reader snailrock

There is also a savings bonus for up to $1,000, but the best tier ($100 bonus) still only works out to be ~5% APY so not really worth it. 

Update 9/1/25: Extended to 9/30/25

Update 7/2/25: Extended to  8/31/2025

Update 3/22/25: Deal is back, this time only $300. Valid until 6/30/2025. Offer seems to be MA only.

Offer at a glance

• Maximum bonus amount: $400
• Availability: Must reside in MA, CT, ME, NH, RI, VT
• Direct deposit required: Yes, $1,000+ for three consecutive months
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems:Yes, looks to be ChexSystems sensitive as well
• Credit card funding:Can fund up to $1,000 with a Visa, Mastercard or Discover card (this is now a total limit, rather than per account)
• Monthly fees: $10, avoidable
• Early account termination fee: None
• Household limit: One
• Expiration date: March 31st, 2020

The Offer

Direct link to offer

• Cambridge Savings Bank is offering a bonus of $500 when you complete the following requirements:
  • Open a new personal checking account (excluding Simple Checking for Students)
  • Enroll in eStatements within 30 days
  • Receive cumulative monthly direct deposits totaling $2,500 or more within each of the first 3 full calendar months following the date the new account is opened and funded
  • Maintain a minimum average monthly balance of $5,000 for the first 3 full calendar months following the date the new account is opened and funded
• You can get a further $300 by doing the following requirements:
  • Complete at least 10 qualifying debit card purchases using your CSB Debit Mastercard® within each of the first 12 calendar months following the date the new account is opened and funded. Each transaction must be $10+. You receive $25 per month for 12 months
• You can get a $400 bonus when you money a money market account and complete the following requirements:
  • Maintain a minimum average monthly balance of $25,000 for the first 3 full calendar months following the date the new account is opened and funded.
  • The deposit(s) used to qualify for the bonus must be new money, not currently on deposit with CSB.

The Fine Print

• Earn a $400 bonus when you open a new Performance or Performance Plus Checking Account with a $10 minimum opening deposit between 1/13/20 and 3/31/20 and complete the following requirements within each of the first full three calendar months following the date the new account is funded:
  • (1) Receive cumulative direct deposits totaling $1,000 or more. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits from your employer or the government. Person- to-person and bank transfers between your Cambridge Savings Bank accounts or accounts you have at other financial institutions do not qualify.
  • (2) Complete 5 posted and cleared debit transactions, including checks paid, debit card transactions, wire transfers, or ACH debits.
• For example, a qualifying account type opened and funded during the month of January must complete the requirements in the months of February, March and April in order to qualify for the bonus.
• New account funding must be completed by 3/31/20.
• You must not currently have a Cambridge Savings Bank personal checking account or have had one in the last 12 months.
• A $400 credit will be made to your checking account within 30 days of completing requirements as long as qualification conditions are met and the account remains open in good standing.
• The value of the bonus will be reported to the IRS as interest.
• Limit one bonus per household.
• Offer cannot be combined with any other offers and may be withdrawn at any time.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Performance checking is the easiest account to keep fee free. This has a $10 monthly fee that is waived if you have an average checking balance of $1,000 or greater

Early Account Termination Fee

I wasn’t able to find any mention of any early account termination fee in the fee schedule.

Our Verdict

Same requirements as the previous $300 bonus. This is basically just an extra $100. Definitely worth doing if you live in an eligible area, although it is frustrating that you need to complete the requirements for three consecutive months. I’ll be adding this to our list of the best checking bonuses here.

Hat tip to readers Pete B & Peek

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $300 Checking & Up To $2,500 Savings Bonus
• Availability: Wisconsin only, in branch only 
• Direct deposit required: Yes, $500+
• Additional requirements: None
• Hard/soft pull: Unknown 
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: $10, avoidable 
• Early account termination fee: $35, 90 days
• Household limit: None listed
• Expiration date: None listed 

The Offer

Direct link to offer

• Johnson Financial Group is offering a $300 bonus when you open a new Essential Checking, Associate Checking, Signature Checking, Johnson Bank Retiree Checking, Private Banking Checking and complete the following requirements: 
  • Have your direct deposit, in the amount of $500 or more each month, made to this account within 90 days of account opening
• There is also a savings bonus for up to $2,500. Deposits must be maintained for 90 days: 
  • $250 for $10,000 or more in deposits
  • $1,250 for $100,000 or more in deposits
  • $2,500 for $250,000 or more in deposits

The Fine Print

• Important information to obtain Johnson Financial Group’s Cash Bonus offer for the following account types: Essential Checking, Associate Checking, Signature Checking, Retiree Checking, Private Banking Checking, Essential Savings, Associate Essential Savings, Signature Money Market, Retiree Savings, Relationship Money Market, Private Banking Money Market 
• Bonus/Account Information: The Bonus offer is not applicable to business accounts, business products, or HSA and IRA Savings Accounts. The offer is not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last three years.
• Currently, you may receive only one bonus offer per household, which includes a bonus for opening one new checking account, a bonus for opening one new savings or money market account and a bonus for depositing new funds into an existing savings or money market account. The Bonus is good for one-time use. 
• The $300 Cash Bonus offer is currently available. To receive the new Checking Account Bonus offer: 1) Open any of the following new accounts – Essential Checking, Associate Checking, Signature Checking, Johnson Bank Retiree Checking, Private Banking Checking. And 2) Have your direct deposit, in the amount of $500 or more each month, made to this account within 90 days of account opening.
• Your direct deposit must be an electronic deposit of your paycheck, government, social security, or pension benefits from your employer or the government. (1) Person-to-Person payments do not qualify. The Cash Bonus will be paid after 90 days, but no later than 120 days after account opening when Cash Bonus eligibility requirements are met.
• The eligible account must not be closed or restricted at the time of payout. Bonuses are considered interest and will be reported on IRS form 1099-Int or 1099-MISC. This offer cannot be combined with any other special offers. (1)(3) 
• The below tiered Cash Bonus offers are currently available when you deposit new money that is currently funds not held by you at Johnson Bank or its affiliates. To receive any of the new Savings and Money Market Account Bonus offer: 1) Open any of the following new accounts with an initial deposit of $10,000 or more – Essential Savings, Associate Essential Savings, Signature Money Market, Johnson Bank Retiree Savings, Relationship Money Market, or Private Banking Money Market. If you already have a savings or money market account with us, you can qualify for a cash bonus by making a one-time deposit of $10,000 or more into that account. 2) Maintain your initial or one-time deposit of $10,000 or more for 90 days in your new or existing savings or money market account. And 3) Open or must have an existing Johnson Bank Consumer Checking account and maintain the account for at least 90 days. Bonus tier and payout will be determined based upon the amount of your initial or one-time deposit.
• The Cash Bonus will be disbursed no earlier than 90 days and no later than 120 days following the opening of a new account, or the initial deposit made into an existing account, contingent upon fulfillment of all eligibility criteria. The account being utilized for the cash bonus offer must not be closed or restricted at the time of payout. Bonuses are considered interest and will be reported on IRS form 1099-Int or 1099-MISC. This offer cannot be combined with any other special offers.
• 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 is the easiest to keep fee free. The $10 monthly fee is waived if one of the following are met:

• Monthly ACH direct deposit into the account OR
• $500 minimum daily ledger balance
• $1,000 average monthly cycle ledger balance
• $100,000 combined related aggregate ledger balance

Early Account Termination Fee

$35 fee if closed within 90 days

Our Verdict

You can view the current rates here. Essential savings is 0.15% APY and then signature money market is 0.01% – 0.85% APY depending on the balance. You get a better return putting funds into a 5% APY account for the $1,250 and $2,500 tiers compared to this bonus whereas the $250 bonus is significantly better. We will add these bonuses to our best bank bonus page if it’s a soft pull.

Hat tip to reader Jam

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Offer at a glance

• Maximum bonus amount: $300
• Availability: TX only
• Direct deposit required: Yes, $2,500+ within 60 days of account opening 
• Additional requirements: Use promo code
• Hard/soft pull: Soft pull
• ChexSystems: No. Not sensitive
• Credit card funding: None 
• Monthly fees: $12, avoidable
• Early account termination fee: None listed
• Household limit: None listed
• Expiration date: 9/15/2026

The Offer

Direct link to offer

• First National Bank Texas is offering a $300 bonus when you open a new power checking account and complete the following requirements:
  • Use promo code MC300
  • Receive $2,500 or more in qualifying direct deposits within the first 60 banking days after account opening

The Fine Print

• The bonus of $300 will be credited to your new Power Account as long as the Account has completed the Qualifying Activities as stated.
• To qualify for the bonus of $300 you must complete all of the following: 1) Open a new Power Account, 2) account must be opened online using the promo code MC300, 3) eligible ACH Direct Deposit(s) are credited to your new Power Account of a combined amount of $2,500 within 60 banking days of account opening.
• The Bank will credit your new Power Account in the amount of $300 at 120 banking days from the account opening. Account must be in good standing when the $300 credit is applied.
• Accounts with a sustained negative balance or a zero balance will be ineligible to qualify as an account in good standing.
• The amount of the $300 bonus will be reported to the Internal Revenue Service (IRS).
• Customers without a Social Security Number or Taxpayer Identification Number are not eligible to receive the bonus.
• New customers with an existing checking account relationship are ineligible to receive the bonus.
• This offer is valid from July 15, 2026 to September 15, 2026.
• However, the bank reserves the right to cancel or change this offer at any time and for any reason.
• This offer cannot be combined with any other consumer deposit offer (limit one bonus per account).
• Offer cannot be reproduced, purchased, sold, transferred, or traded. If the offer is changed or discontinued, it will be noted on our website at https://1stnb.com/mc-mail.
• 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 with any of the following:

• Maintain a balance of $500 or more each day
• Have a total of $500 in monthly deposits reflect on your monthly statement (Internal transfers from other FNBT/FCB or FHNB accounts, Internet Banking transfers, and refunds from the Bank do not qualify as deposits for waiving the Monthly Maintenance Fee),
• Have 12 debit card purchases that reflect on your monthly statement as POS (Point-of-Sale) transactions. (ATM transactions and person-toperson payments through third party apps do not count towards the 12 debit card purchases)
• Be age 60 or older.

Early Account Termination Fee

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

Our Verdict

Not to be confused with First National Bank of Texas. Seems like a relatively easy bonus and always nice when you can sneak in a bonus without a Chexsystems inquiry (or at least they will approve if your report is frozen). Will add this to our list of the best bank account bonuses. 

Hat tip to reader Robert Fanshaw

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $300
• Availability: CT, NJ
• Direct deposit required: Yes, $1,000+ per month for three consecutive months. 
• Additional requirements: 4 POS debit card purchases per month for three consecutive months
• Hard/soft pull: Unknown
• ChexSystems: No
• Credit card funding: Up to $7,000
• Monthly fees: None
• Early account termination fee: Varies?
• Household limit: None
• Expiration date: None listed

The Offer

Direct link to offer

• Ion Bank is offering a $300 bonus when you open a new free choice checking account and complete the following requirements:
  • Minimum of $1,000 in direct deposits and 4 point-of-sale debit card transactions for 3 consecutive months after the account is opened

The Fine Print

• Offer is for Free Choice Checking accounts only opened during the promotional period ending on December 31, 2026.
• Bonuses are limited to one per individual.
• To earn a $300 bonus, you must deposit a minimum of $1,000 per month through direct deposit and make a minimum of four (4) point-of-sale Ion Bank Debit Mastercard transactions for three (3) consecutive months after the account is opened.
• The Free Choice Checking offer is not available to existing Ion Bank checking customers or to those whose Ion Bank checking account was closed within 90 days or closed with a negative balance within the last three (3) years.
• Your new account must remain open to receive the cash bonus payment.
• We may close accounts with a zero balance without prior notice.
• If you meet the qualifications outlined above, we will credit the $300 bonus to your account within one (1) statement cycle after completion period.
• Ion Bank deposited funds will be reported as income on IRS Form 1099.

Avoiding Fees

Monthly Fees

This account has no monthly fees. 

Early Account Termination Fee

Fee schedule says the early account closure fee varies?

Our Verdict

Requirements are a bit annoying as they need to be completed for three consecutive months. Difficult to know if it’s worth doing as we don’t know what the approval process is like currently. 

Hat tip to reader Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $1,000
• Availability: In branch only, full list of locations here. 
• Direct deposit required: None
• Additional requirements: $50,000 balance for 3 statement cycles
• Hard/soft pull: Hard pull
• ChexSystems: Unknown 
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None
• Expiration date: None listed

The Offer

Direct link to offer

• First South Financial is offering a $1,000 business checking bonus when you complete the following requirements:
  • Open a NEW Business checking account and deposit $50,000
  • Maintain at least $50,000 daily balance for the first 3 full statement cycles
  • Conduct 20 qualifying transactions within the first 3 full statement cycles

The Fine Print

• Limited time offer valid for new business checking accounts, offer is subject to change or withdrawal at any time without notice.
• Qualifying transactions include deposits, checks cleared, ACH deposits or payments, and signature or PIN-based purchases made with a debit card.
• A minimum daily balance of $50,000 must also be maintained for the first three statement cycles.
• The $1,000 bonus will be credited to your account within 10 business days after the three-statement cycle qualification period provided all qualifying conditions have been met.
• Offer not valid for existing FSF business checking accounts.
• New business memberships and accounts are subject to approval, not all applicants will qualify.
• Offers are subject to change or withdrawal without notice, please see us for complete details.
• 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

This account doesn’t have any monthly fees to worry about. 

Early Account Termination Fee

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

Our Verdict

Not a bad deal if you have the spare money. If you put the $50,000 into a 5% APY earning account for three months you’d earn $625 so this is better but not by a massive margin. 

Hat tip to reader ShawntheShawn

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $300
• Availability: : membership open to anyone who lives, works, worships, or attends school in one of the 16 counties we serve, including: Autauga, Butler, Chilton, Coffee, Coosa, Covington, Crenshaw, Dale, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, and Tallapoosa counties.
• Direct deposit required: Yes, $2,500+
• Additional requirements: None 
• Hard/soft pull: Unknown 
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: None listed
• Household limit: None listed
• Expiration date: None listed 

The Offer

Direct link to offer

• Guardian Credit Union is offering a $300 bonus when you open a new checking account or increase your direct deposit to an existing account:
  • Open a new Guardian checking account and establish recurring payroll direct deposits totaling at least $2,500 per month for two consecutive months.
  • Simply establish or increase your recurring payroll direct deposits so that qualifying payroll direct deposits total at least $2,500 per month for two consecutive months

The Fine Print

• The $300 bonus will be deposited into the qualifying checking account within fifteen (15) business days following the end of the second qualifying month. For example, if qualifying direct deposits are received in September and October, the bonus will be paid within the first fifteen business days of November. 
• Early ACH is dependent upon when Guardian receives file from payroll provider. If the account is negative at the time the payroll is deposited, access to the entire paycheck amount will not be available, as it will be applied to negative account balance first. 
• This is a limited time offer and may be modified or discontinued without notice. Limit 1 Bonus per primary member. Bonus not available to existing account holders who meet requirements prior to August 1st. The checking account must be open and in good standing at the time the bonus is paid. Bonus will be reported as income. Bonus is available for consumer accounts only. Business accounts do not qualify.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Simplified checking has no monthly fees. 

Early Account Termination Fee

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

Our Verdict

Always nice when they make existing account holders eligible as well. Some readers might have an account from the high yield checking account that we’ve previously posted about. 

Hat tip to reader Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

No direct link to offer, sent out via e-mail. Subject line is ‘Buy $100 in Stocks, Earn $20’. Terms here.

• Crypto platform Gemini is offering a $20 bonus when you purchase $100+ in stocks.
  • 30 day hold period
  • Valid until 8/19/26

Our Verdict

Easy bonus, shame it’s not bigger like the previous $200 bonus available. 

• Maximum bonus amount: $250
• Availability: Maybe nationwide through Tru Direction Financial Literacy Program but most likely Indiana only. 
• Direct deposit required: Yes, $200+ within 60 days
• Additional requirements: 8 debit card purchases
• Hard/soft pull: Soft pull
• ChexSystems: Yes
• Credit card funding: $500
• Monthly fees: None 
• Early account termination fee: None
• Household limit: None
• Expiration date:  November 30, 2026

The Offer

Direct link to offer

• Inova Federal Credit Union is offering a $250 bonus when you open a new checking account and complete the following requirements:
  • Set up direct deposit and receive at least one deposit of at least $200 within the first 60 days.
  • Use your debit card a minimum of 8 times within the same 60-day period.

The Fine Print

• To qualify for the $250.00 Cash Bonus, you must be a NEW checking account holder with INOVA, receive at least one direct deposit of at least $200 in your new checking account and have at least 8 debit card transactions within first 60 days of account opening. After the requirements have been met, your Cash Bonus will be deposited into your new checking account within 14 days. Bonuses may be taxable and reported on IRS form 1099INT (or Form 1042-S, if applicable). Consult your tax advisor. Limit one offer per household. Minimum opening deposit for checking accounts is $10.00. Additional requirements may apply based on checking account product selected at time of account opening. This promotional offer is available to new and existing INOVA members 18 years or older, but not for members whose accounts have been closed within previous 90 days or closed with a negative balance. Members are limited to no more than two (2) checking account bonus payments over the lifetime of their membership with the credit union. Membership at INOVA Federal Credit Union required. Offer expires November 30, 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 doesn’t have any monthly fees to worry about. 

Early Account Termination Fee

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

Our Verdict

Doesn’t seem like OOS applications will work but still a good deal for people that are eligible normally. If we can confirm it’s a soft pull we will add it to the best bank account bonuses. 

Hat tip to reader Raj

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $150
• Availability: Branches are in Coweta, OK
• Direct deposit required: Optional
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: None 
• Household limit: None listed
• Expiration date: None listed

The Offer

Direct link to offer

• FNB Coweta is offering a $150 bonus when you open a new checking account and complete one of the following requirements:
  • maintain at least $1,000 in qualifying direct deposits each month for three consecutive months OR
  • Open your new personal checking account with an initial deposit of $1,500 instead.

The Fine Print

• $150 Welcome Bonus Terms & Conditions: Offer available to new FNB Coweta personal checking account customers only.
• There are two ways to qualify.
  • Option 1: Open a new personal checking account and maintain qualifying direct deposits totaling at least $1,000 per month for three consecutive calendar months following account opening. Qualifying direct deposits include electronic deposits from an employer, pension, Social Security, or government benefit payment; internal transfers, mobile check deposits, ATM deposits, and cash deposits do not qualify.
  • Option 2: Open a new personal checking account with an initial deposit of at least $1,500 and keep the account open and in good standing through the close of the last statement of the 90-day period following account opening.
• Under either option, the $150 bonus will be deposited into the customer’s FNB Coweta checking account after all qualifying requirements for the 90-day period have been met.
• Bonus is considered taxable income and will be reported on the applicable IRS tax form.
• Account must remain open and in good standing through bonus payout.
• Existing FNB Coweta customers and those who have closed an FNB Coweta checking account within the previous 12 months are not eligible.
• Limit one bonus per customer.
• FNB Coweta reserves the right to modify or end this promotion at any time without notice.
• Offer is 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

I don’t think the checking account has any monthly fee to worry about?

Early Account Termination Fee

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

Our Verdict

Bonus itself looks easy to trigger, shame it can’t be opened online. Worth doing if you live in the area. You should be able to confirm if it’s a hard/soft pull before opening. 

Hat tip to reader Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 6/9/26: Deal is back until July 10th. 

Update 3/28/26: Deal is back until May 8, 2026. To qualify you cannot have had an Eastern bank or HarborOne account after March 7, 2025. Hat tip to reader Other James

Update 10/19/25: Deal is back until November 17th, 2025. Hat tip to reader Midori

Offer at a glance

• Maximum bonus amount: Up to $750
• Availability: MA, NH, ME, RI
• Direct deposit required: Yes, $3,000+
• Additional requirements: See below
• Additional requirements: None
• Hard/soft pull: Soft
• ChexSystems: Yes, sensitive
• Credit card funding: No longer available
• Monthly fees: None
• Early account termination fee: None, bonus will post by January 28, 2020
• Household limit: One
• Expiration date: 9/15/2025

The Offer

Direct link to offer

• Eastern Bank is offering a bonus of up to $750. 
  • Get $350 when you open a new Checking Account and complete the following requirements: Two or more qualifying direct deposits totaling $3,000 within 90 calendar days of account opening
  • Get $250 when you open a new Statement Savings Account and qualify
    • Deposit $15,000 within first 30 calendar days of account opening
    • Maintain a $15,000 average daily balance over a 90-calendar-day period
  • Get $750 total when you do both (An additional $150)

The Fine Print

• Checking Offer: To qualify for the incentive, you must open an Eastern personal checking account between 8/1/2025 and 9/15/2025 and have two or more recurring electronic payroll pension or government benefits direct deposits totaling $4,000 within the first 90 calendar days of the account opening date. Electronic credits (other than payroll, pension, or government benefits) such as person-to-person payments, self-initiated transfers between your accounts at Eastern Bank and other institutions or brokerages (including pension accounts), and payments through third parties such as PayPal or eBay do not qualify as a direct deposit. You must be a new personal checking account customer. New checking customers have not had an Eastern Bank personal checking account or have had a personal checking account relationship with Eastern Bank, or any Bank merged into Eastern Bank since 8/1/2024. 90 calendar days after the account open date, Eastern Bank will determine if an incentive will be paid out based on whether the stated qualifications and the Additional Important Information were met for the Checking Offer. Incentives for qualified accounts will be deposited into customer’s checking account on or before 1/15/2026.
• Savings Offer: To qualify for the incentive, you must open an Eastern Statement Savings Account between 8/1/2025 and 9/15/2025 and deposit $15,000 within the first 30 calendar days of account opening. You must maintain a $15,000 average daily balance over a 90-calendar-day period. This period will begin on the 31st day following account opening. You must be a new Statement Savings customer. New Statement Savings customers have not had an Eastern Bank personal savings or money market account or have had a personal savings or money market account relationship with Eastern Bank, or any Bank merged into Eastern Bank since 8/1/2024. 120 calendar days after the account open date, Eastern Bank will determine if an incentive will be paid out based on whether the stated qualifications and the Additional Important Information were met for the Savings Offer. Incentives for qualified accounts will be deposited into your savings account on or before 2/16/2026.
• Extra Offer: Earn an extra $150 if you open and qualify for both the Checking Offer and the Savings Offer. The checking and savings accounts must be opened within 3 business days of each other. The Primary signer must meet both the Checking Offer and Savings Offer requirements and all other qualifying criteria. The extra $150 for qualified accounts will be deposited into the customer’s checking account on or before 2/16/2026.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Eastern free checking has no monthly fees to worry about.

Early Account Termination Fee

There is no early account termination fee

Our Verdict

There is a $300/$450 checking offer that $450 bonus is obviously better if you want to just do the checking bonus. Statement savings account earns 0.01%. That means the savings bonus works out to be 6.6666% APY. Extra $150 for doing both is comparable to just the $450 checking bonus that is also offered so I don’t think this combined bonus is actually worth doing. 

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times