Today reddit user TheLegendOfRabbit noticed that Kayak has a demo link with more details regarding card changes. For example earning rates being cut on grocery stores/dining:

• Earn 3X points at grocery stores and on dining through December 31, 2026. Then, earn 2X points at grocery stores and on dining.

Also says the PYB feature will end 2026, but it always lists that end date and then is usually extended. No guarantees that’s the case this time just what has happened historically.

• Austin-Bergstrom International Airport
• Baltimore/Washington International Thurgood Marshall Airport
• Daniel K. Inouye (Honolulu) International Airport
• Nashville International Airport

They are expecting some (all?) of these to be opened in late 2027. In addition another 7 lounges are planned over the next several years. Southwest also confirmed that a new premium Chase Southwest card will be launched that will grant access to these lounges. This card will also launch in 2027. None of this is a surprise (we posted about 5 lounges previously and a survey was sent out last year about a premium card) but it’s nice to have confirmation. 

It will be interesting to see if the new premium Southwest card will grant access to Sapphire lounges at all and if Chase Sapphire Reserve cardholders will get access to these Southwest lounges. I could see them offering a few passes each year to respective cardholders. 

Direct link to offer

• USAA is offering 50,000 points after $3,000 in spend on the USAA Eagle Navigator Visa Signature Credit Card

Card Details

• $95 annual fee
• Card earns at the following rates:
  • 3x points on travel
  • 2x points on all other purchases
• 10,000 annual bonus points after booking hotel or car travel through the USAA booking portal
• $100 TSA PreCheck/ Global Entry Credit

Our Verdict

This card first launched in 2023, don’t think it has ever had a sizable bonus like this before.  Membership for USAA is restricted, but if you’re eligible for a membership I do think this is worth doing. We will add this to our list of the best credit card bonuses. You can also read our post on things to know about USAA credit cards here.

Hat tip to reader David H

Offer extended to September 30th 2026

Extended until May 31 2026

Offer at a glance

• Maximum bonus amount: $500
• Availability: Nationwide 
• Direct deposit required: $2,000-$10,000 within 90 days 
• Additional requirements: None 
• Additional requirements: None
• Hard/soft pull: Soft, as long as you opt out of overdraft protection
• ChexSystems: Mixed datapoint, most say they don’t pull
• Credit card funding: None, but you can fund with a debit card up to $250
• Monthly fees: $12 avoidable
• Early account termination fee: None
• Household limit: None listed
• Expiration date: January 31, 2026

The Offer

Direct link to offer

• Bank of America is offering a $500 bonus when you open a new checking account. The bonus you receive depends on the total direct deposits you receive to your account within the first 90 days. 
  • $100 when you receive $2,000 in total direct deposits
  • $300 when you receive $5,000 in total direct deposits
  • $500 when you receive $10,000+ in total direct deposits

The Fine Print

• This offer is available online only and may not be available if you leave this page, visit bankofamerica.com, visit a Bank of America financial center, or if you call the bank.
  Offer is limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve (12) months. Fiduciary accounts (e.g., trusts), Bank of America Advantage SafeBalance Banking® for Family Banking accounts, and business accounts are not eligible for this offer. Offer cannot be combined with any other checking offer and is limited to one bonus per account and per customer. Offer expires on January 31, 2026. Bank of America may change or discontinue this offer at any time before this date without notice. 
• You may receive different Bank of America promotional checking offers by various methods, i.e., mail, in person or email/online. These promotional offers may have different terms based on how Bank of America introduces them. 
• Requirements to Receive a Checking Bonus:
  • Open a new eligible personal checking account online through this offer’s webpage by January 31, 2026, to be enrolled in this offer. If you open your account by any other means, you may not be eligible to earn the checking bonus.
    Bank of America Advantage SafeBalance Banking®, Bank of America Advantage Plus Banking®, Bank of America Advantage Relationship Banking® accounts are eligible for this offer. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer. 
  • Set up and receive Qualifying Direct Deposits into that eligible personal checking account within ninety (90) days of account opening (“Deposit Period”).
• A “Qualifying Direct Deposit” is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them. Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill investment account. 
• After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid. 
• Your receipt of any bonus is subject to validation that you have provided all the information we require in connection with maintaining the account. This includes information needed to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Advantage Plus checking is the easiest to keep fee free. This has a $12 monthly fee:

• Have at least one qualifying direct deposit of $250 or more or
• Maintain a minimum daily balance of $1,500 in your account

SafeBalance is easier to keep fee free, but not eligible for the current $500 bonus.

Early Account Termination Fee

This account has no early account termination fee.

Our Verdict

Previously there was a $300 bonus that required $2,000 in direct deposits. This new offer is only better if you can do the $500 bonus that requires $10,000 in direct deposits. I do think this bonus is worth doing especially there are many methods to manipulate the direct deposit requirement. We will add this to our list of the best bank account bonuses. 

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

Check your emails for the following offer on the U.S. Bank Smartly card and possibly other U.S. Bank cards (subject: Save up to $10 on Uber rides with your Bank Smartly Card) for Uber rides during NFL football season:

• On Sundays, claim the $10 offer in the Uber app to receive $10 off your next eligible ride. The $10 offer must be claimed and used on Sunday.
• Monday through Saturday, take an eligible Uber trip to see the $5 offer in the app. Claim the offer during your trip, and $5 off will automatically apply to your next eligible ride. The $5 offer expires 14 days after you claim it. Offers must be claimed and redeemed within the applicable offer period.

The Fine Print

• Offer valid September 13, 2026, through December 31, 2026 (promotion period).
• Eligible users may redeem each offer one time during the promotion period.
• No minimum trip spend required.
• Offers are valid on eligible Uber ride types in the U.S. when paid with a U.S. Bank Smartly™ Visa Signature® Card.
• On Sundays, claim the $10 offer in the Uber app to receive $10 off your next eligible ride. The $10 offer must be claimed and used on Sunday.
• Monday through Saturday, take an eligible Uber trip to see the $5 offer in the app. Claim the offer during your trip, and $5 off will automatically apply to your next eligible ride. The $5 offer expires 14 days after you claim it. Offers must be claimed and redeemed within the applicable offer period. See offer terms in the Uber app for additional details. Terms and conditions apply.

Our Verdict

This is not a statement credit offer, rather it’s apparently supposed to show up in your Uber app as a discount, provided you have the Smartly card saved in your Uber app. 

I got this offer on my Smartly card, not sure if it was sent out to all Smartly cardholders or targeted. Not sure if other U.S. Bank cards got this as well. 

Direct Link to offer (contains our affiliate)

• Bestbuy.com is selling $100 Safeway/Albertson’s/Vons/etc e-gift card for $90. No limit right now.
• $100 Instacart e-gift for $90. Limit 1.
• $100 DoorDash e-gift for $85. Limit 1
• Also, 15% off Wayfair, Fandango, Fanatics.

Our Verdict

Grocery store discounts are always nice. Especially nice if you want to use up your Citi Strata Elite credit. Otherwise, can stack with the AmEx Offer for an extra 1x Membership Rewards point.

The Offer

Check your Citi Strata Premier and Custom Cash cards for the following offer:

• Get $75 off a hotel stay of $400+ when booking with Citi Travel between 7/7/26 and 8/7/26.

Our Verdict

Stacks well with the $100 Citi Strata Premier hotel discount. 

Hat tip to achzeet44

Direct link to offer

• Giftcards.com is offering 10% off Visa eGiftcards with promo code LDV10.
• Limit 3.
• Valid 9/2/26 – 9/12/26.

Our Verdict

It looks like this is stacking with the other $10 Kroger promo (?), let us know if that works for you. If the stack works that’s a great deal This doesn’t stack, it lets you add the Kroger code and then remove it and Kroger gift card stays in cart but then charges it for you. You can also get 5% back via Chase Offer. Try going through a shopping portal as well (giftcards.com has stated that this promo code WILL stack with portals even if code is not listed, but YMMV). 

Two other deals on Visa e-gift cards:

• Get a bonus $10 Kroger e-gift card
• Get 10% off promo with code SD10OFF

• Through 9/30/26, they added a $100 bonus for someone who signs up using a referral link (instead of the prior $25 bonus). 
• You’ll get 10 x $10 coupons, and each coupon requires a buy order of $100 or more to redeem. You can buy a share of SGOV, for example.
• The new $100 bonus might be interesting even to someone not looking to do any serious deposit – you just need to use a referral link and deposit $100 to be eligible. Note, it’s not the simplest bonus since you have to do ten separate trades of $100 each in order to get the bonus (e.g. ten separate purchases of a share of SGOV).
• The $1k bonus and $600 bonus are extended through 12/31/26.

The Offer

Direct Link to NVDA offer | NVDA terms  | 3% match bonus | $100 bonus (when signing up with a referral link)

1. MooMoo brokerage is offering new users a bonus of up to $30-$1,000 in NVDA stock when you deposit cash of $500-$100,000:

   • Deposit $500 or more and receive $30 in NVDA stock. Maintain $500 or more in assets for 60 days.

   • Deposit $2,000 or more and receive $100 ($30+$70) in NVDA stock. Maintain $2,000 or more in assets for 60 days.

   • Deposit $10,000 or more and receive $200 ($30 +$70+$100) in NVDA stock. Maintain $10,000 or more in assets for 60 days.

   • Deposit $50,000 or more and receive $400 ($30 +$70+$100+$200) in NVDA stock. Maintain $50,000 or more in assets for 120 days.

   • Deposit $100,000 or more and receive $1,000 ($30 +$70+$100+$200+$600) in NVDA stock. Maintain $100,000 or more in assets for 180 days.
2. Separately, new MooMoo users also get a booster rate on their cash account of 4.75% for 60 days on balances up to $20,000. Total APY is 8.1% instead of the regular 3.35%.
3. Use a referral link to get an extra $100 in coupons (10 x $10) after depositing $100 (which you’re doing anyway). Terms
4. Separately, MooMoo offers an ACATS-transfer bonus match of 3%, up to $20,000 in transfers. Maxed out, you can get $600 from this if you maintain it for one year. You can transfer cash or stocks/ETFs, but the transfer needs to be via ACATS, and so it won’t overlap with the other NVDA deposit promo which needs to be a cash transfer via ACH/wire.
5. (Separately, they have a promo to get tickets to your preferred Mets game or concert if you transfer over $50,000. I believe this also needs to be done via ACATS transfer only.)
6. (MooMoo also has a regular ongoing deal to get $1,000 in free margin when you are in their V3 membership tier – you’ll have that automatically when you have $25k+ in assets.)

Our Verdict

This can be a nice offer for someone with large cash reserves since you’ll get the regular solid interest rate offered in the MooMoo account on top of these additional bonuses. (Or you can buy SGOV in MooMoo, if you prefer, and still get the full bonus.) There is no Chex pull and no hard pull when you open a MooMoo account.

Here’s how I’d go about doing this MooMoo offer:

1. Open an account with MooMoo via a referral link for a $100 bonus. You can sign up via referral link and still be eligible for the other bonuses for $1,000/$600/8.1%.
2. You can find or leave a MooMoo referral link on this dedicated page. Here is my MooMoo referral link. (Referral links confusingly show $200, but it’s really $100 in coupons for the new member and $100 per referral if you refer someone else.)
3. Next, transfer in $100,000 in cash to MooMoo. You don’t need to send it all in a single transfer to get the bonuses. If you’d like, you can split it across multiple wires/ACH transfers until you meet the $100,000. I did a small deposit via ACH to complete account setup, and then did the rest via the various transfer options: ACH, instant-transfer, wire, debit card. All ACH transfers get initiated from within MooMoo, not from your external bank. (MooMoo only allows ACH-in of $15k per month, though it’s sometimes possible to increase that limit. If you’re aiming for $50k you might want to wire the funds. You can find full wire instructions in MooMoo app. Some had no issues getting their ACH limit increased to $50k monthly – first do $100 ACH transfer completed to fully set up the account and then see if you can get your ACH limit increased to $50k. If you are doing the $100k tier, you’ll probably want to do a wire which is unlimited. Note: during signup the system will show you $50k ACH ability, but it fails in practice – limit your initial ACH during signup to no more than $15,000. 
4. After completing the $100,000 transfer, you should immediately see the $1,000 NVDA stock bonus ($30+$70+$100+$200+$600) in the account, but it’s frozen pending the 60/120/180 day lockup period. (NVDA stock price fluctuations do not effect the bonus until the time when the bonus is unlocked.)
5. Be sure to activate Cash Sweep account in MooMoo to be eligible for the regular 3.35% rate, otherwise the money just sits and earns no interest at all. (Side note: even after funds show in your MooMoo account, it often takes them a couple of days until they push the funds over into the Cash Sweep account.)
6. Once you have a nice chunk of money showing up in the MooMoo Cash Sweep account, then you should activate the 4.75% booster rate (found in the My Rewards section) to get the bonus 8.1% APY rate. Your 60-day clock for the 8.1% rate will start ticking when you activate the booster rate. (See this comment for more info on how the booster rate works when interest rates change.)
7. You’ll want to keep at least $20k in the Cash Sweep account to get the 8.1% interest rate. The additional $80,000 you can either keep in the Cash Sweep account to earn 3.35% or buy SGOV to potentially earn slightly more. If you’d like, you can buy any other stock/ETF as well.
8. At the 180-day mark the full $1,000 NVDA reward will be guaranteed and you can then decide whether to keep the funds with MooMoo or move to somewhere else. 
9. As a separate bonus, I did the 3% match bonus with an ACATS-transfer of $20,000 ETFs from my current brokerage into MooMoo to get the $600 max bonus. This ACATS bonus is a completely separate bonus; you can choose to do the ACATs bonus or the NVDA bonus or both.
10. First, I bought $20,000 of SGOV in my existing brokerage, then I transferred the $20,000 SGOV to MooMoo in one single ACATS transfer. Immediately after the SGOV cleared into my MooMoo account, I found the 3% match bonus as an award in my account. The award will be locked in your MooMoo account and paid out in four increments, on Days 90, 180, 270, and 360. (For reasons that are somewhat technical, it might be more optimal to do the 3% ACATS bonus before doing the NVDA deposit bonus; see more discussion in this comment.)
11. Remember that some brokerages charge an ACAT-out fee, so you’ll want to use one like Fidelity or similar who does not charge that fee. Partial account transfers are more likely not to have a ACATS-out fee, contact your current brokerage to find out their fee schedule. (You might want to first contact MooMoo first to find out if your brokerage allows ACATS transfer to MooMoo since there are some brokerages like Merrill that don’t work via the standard ACATS system. Also note, some people did an ACATs of cash instead of SGOV. It’s a little tricky to ACAT cash so I decided to do an ACATS of SGOV instead. You can also do an ACATS of any other stock or ETF to MooMoo, just remember that if you ever want to ACATS-out the stock you’ll have to pay the MooMoo ACATS-out fee. I did SGOV so that if I ever want to move the funds out I simply sell it and transfer out the cash with no stock-gains-taxation-event to worry about.)

All-in, you’ll be tying up $100k for 6 months and an additional $20k for a full year. You’ll end up with $1,000 NVDA + around $156 value from the 4.75% booster rate + $600 from the ACATS 3% bonus match + $100 referral bonus + possibly a couple of other small MooMoo bonuses which you’ll find along the way. 

General note: Be sure to unlock and claim any coupons/rewards since they don’t automatically get credited to your account.

Overall this can be nice bonus for someone who has the cash. I think of this as a ‘large deposit bank bonus’, though technically MooMoo is a brokerage and not a bank.

We’ve added this to our list of Best Brokerage Bonuses and Best Bank Bonuses. Separately, there is a targeted deposit/transfer offer for existing MooMoo customers.

Update History:

• Update 7/17/26: The extra $30 in SpaceX stock has been replaced with extra $30 in SK Hynix stock through 07/31
• Update 6/12/26: The signup link now also offers an extra $30 in SpaceX stock for depositing $5,000, through 06/30. Shows up on referrals as well. 
• Update 2/12/26: USCreditcards101 has an affiliate link that offers a $100 Amazon gift card on some tiers. We don’t have any relationship with them or Moomoo, just trying to share the best deal.
• Update 1/1/26: All three offers ($1k NVDA, 8.1% APY, 3% match) have been extended through 3/12/26. Note: all three deals are not as good as before for those who sign up now in 2026. I’ve updated the post with the new details. Here is a quick breakdown of the changes: (1) The $1k NVDA bonus tier now requires $100k for the $1k NVDA (previously $50k). (The $2k tier is actually better than before; everything else is worse.) If you anyway have extra cash in a high yield savings account then this change is not really too bad since the MooMoo account offers a pretty good regular interest rate, or you can buy SGOV within MooMoo. (2) The $400/$1,000 NVDA bonus tiers ($50k/$100k deposit) now have a longer hold time of 120/180 days (previously it was 60 days for all tiers). (3) The 8.10% boost rate (on up to $20,000) is now valid only for 60 day (previously it was for 90 days). (4) The 3% match bonus (up to $600 bonus) is now paid out in 4 increments over the course of one year (previously it was paid out fully after 90 days).

• Sign up bonus of 15,000 points after $500 in spend within the first three billing cycles
• No annual fee
• 3% FTF
• Card earns at the following rates:
  • 5x points per $1 spent on travel purchases
    
  • 3x points per $1 spent on streaming services
    
  • 2x points per $1 spent on fuel purchases
    
  • 1x point per $1 spent on all other purchases

Not sure if you can cash out at 1¢ per point as statement credit or that is just for gift card redemptions. Card would be a lot more interesting with a higher sign up bonus. We won’t be adding this to our list of the best credit card bonuses, but we will add it to the new credit cards of 2026 post. 

Hat tip to reader Dealgamer

6% APY/$300 Bonus

• One of the main perks of X Money is 6% APY. To receive this you must have an active Premium or Premium+ account and receive a qualifying direct deposit of $1,000+. 
• New York residents are not eligible for the 6% APY, instead they are eligible for a $300 bonus when you receive $3,000 in direct deposits. 

3% Cashback

X Money debit card earns 3% cash back on most purchases. You can find a list of exclusions here. You can find previous discussion here. 

Sign Up Bonus

You are supposed to get $25 when signing up, but there are reports of some people only receiving $15. 

Fees

• The main fee you will pay is for Premium/Premium+. Premium is $8 per month/$84 per year and Premium+ is $40 per month or $395 per year. Although discounts seem frequent. Reminder that basic X membership doesn’t qualify you for X Money. 
• No foreign transaction fees

F.A.Q’s

Does X Money Offer FDIC Insurance?

Yes, deposits are held by Cross River Bank, Member FDIC. Note that this is pass through insurance. More discussion here.

What happens if I cancel my Premium or Premium+ account?

You keep your account but your X Money account drops to the base/standard tier. This means the APY drops from 6% to 4%

Why is NY different to other states?

Because it doesn’t hold a required state money transmitter license from New York regulators. 

If I fund with a credit card, is it a cash advance?

Yes. 

My question isn’t answered

Try the official F.A.Q

Direct link to offer

• OnePay is offering $1 cashback per gallon purchased every Wednesday through 9/15/26

The Fine Print

• Bonus Term: 05/27/2026 – 09/15/2026. Each Wednesday (from 12:00 AM–11:59 PM Pacific Time) during the Bonus Term, purchases of gas using a OnePay Reward gas offer (“Gas Offer”) can earn $1 cash back per gallon, subject to the limitations of the Gas Offer used (e.g. spend caps or gallon caps).
• Only purchases made on a Wednesday qualify for this Bonus.
• The $1 cash back through this Bonus is in addition to any cash back amount stated in the OnePay app for the Gas Offer used and any cash back earned by customers who have selected Gas as their monthly cash back category.
• Gas Offers are not available in New Jersey or Wisconsin.
• Cash back amounts and caps vary by Gas Offer and details can be found in the OnePay app.
• This Bonus may be modified or canceled at any time, with or without notice.
• Making a purchase through a Gas Offer with a OnePay CashRewards Card or third-party cards linked in the OnePay Wallet require use of the physical card. 
• Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay deposit account or other available options. See OnePay Rewards Terms at link in bio.

Our Verdict

The gas station needs to appear in the OnePay app and $1 is the minimum, seems like that is in addition to whatever you’d normally earn. Think this just uses the Upside backend white labeled so there should be plenty of gas station options. 

Doesn’t seem like you need to use a OnePay card either, as terms say you can have another card linked from your OnePay wallet. I won’t be surprised if this gets pulled early. 

You can find more ways to save on fuel in this linked post. Some of the best options currently:

• Ibotta: Fuel Your Wallet Promotion (New Code Every Thursday Through June 4)
• 7-Eleven: Stackable Fuel/Gas Codes ($1.41 Off Per Gal)

F.A.Q’s

Do I need the OnePay Credit Card To Be Eligible?

No. Terms state:

Additionally, for all cards other than Deposit Account debit cards and builder cards, OnePay Points can only be earned through an Upside Offer when using the physical version of the card to make a purchase. For OnePay debit cards and builder cards, OnePay Points can be earned using either the virtual card or physical card to make a purchase. OnePay Points earned through Upside Offers will be provided within 2-10 business days following settlement of the applicable transaction.

So it seems like as long as you’ve added a card to your OnePay wallet and then use that physical card you’ll trigger the offer (confirmation here) Can get a referral bonus when signing up or a targeted bonus, more information here. 

Does this require OnePay+?

I don’t see anything in the terms that states you do, this comment confirms. 

Hat tip to reader Binay

• Changes will take place September 10
• Annual fee will increase to $95 (currently $49)
• Card will earn at the following rates:
  • 4x on travel (currently 3x)
  • 3x on dining (currently 2x)
  • 1x on all other purchases (currently 2x)
• $100 airline statement credit (not currently offered, replaces the Amazon prime credit)
• Amazon Prime annual credit will no longer be offered
• Statement credits (up to $120) for Global Entry or TSA Pre✓ (same as current)
• Complimentary GigSky® global mobile data plan (same as current)

Our Verdict

Seems like a downgrade with the increased annual fee, card was an easy keep if you valued Prime membership before. Be interesting to see if the refreshed product offers a higher than normal sign up bonus. 

Update 7/9/26: Deal is back until 12/18/26. Now requires a $5k balance and a direct deposit.

Update 4/16/26: Deal has been extended until 9/30/2026. 

Update 1/11/26: Extended to 3/31/2026

Update 7/1/25: Extended to to 12/31/25

Update 12/30/24: Extended to 6/30/2025

Update 10/1/24: Extended to 12/31/2024

Update 6/27/24: extended to 9/30/24

Update 3/31/24: Extended to 7/1

Update 2/21/24: Deal is back and valid until 3/31/2024. Hat tip to reader Gadget

extended to 3/31/2024

Extended until 1/31/23

Extended until 12/28/2023

Offer at a glance

• Maximum bonus amount: $400
• Availability: NH, MA, RI, CT, DE, NY, NJ, PA, or FL
• Direct deposit required: Yes, no minimum anymore?
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Yes
• Credit card funding:  None
• Monthly fees: $3 – $10 avoidable
• Early account termination fee: $25, 90 days
• Household limit: None listed
• Expiration date: 10/03/2023

The Offer

Direct link to offer

• Santander is offering a $500 checking bonus when you open a Santander Select checking account and complete the following requirements:
  • Maintain an average daily balance of $5,000 or more and
  • have 1 or more direct deposits post to the account within the first 90 days
• There is also a $300 tier for $2,000+

The Fine Print

• Get $400 when you open a new Santander Select® Checking, Simply Right® Checking, or Santander® Private Client Checking account ($25 minimum opening deposit on all) by 10/03/2023 and have direct deposits totaling $5,000 or more post to this account within the first 90 days.
• Account must be opened in a branch.
• The 90 day period begins the day of account opening, unless the account is opened on a weekend or holiday, in which case the period begins on the first business day after account opening.
• Offer is transferable until redeemed by the addressee and we reserve the right, in our sole discretion, to limit the number of times this Promotion Code may be used. You must be 18 years or older.
• Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening.
• Offer cannot be combined with any other bonus offer.
• Promotion Code must be entered at new account opening to be eligible for this offer, and cannot later be added to an account, or changed, unless it is presented and applied within 14 days of account opening.
• The account must remain open in an eligible account type until payment of bonus, which will occur within 30 days thereafter.
• In addition, the account must remain open and in good standing to be bonus eligible. Bonus is considered interest and will be reported to the IRS on Form 1099-INT.
• If multiple accounts are opened with the same signer, only one account will be eligible for the bonus.
• For new checking account customers only.
• Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, PA, or FL (Florida Eligibility: This offer is only eligible online in ZIP codes within Miami Dade, Monroe, and Broward Counties, including ZIP code 34141).
•  Offer expires 10/03/2023. This offer is subject to change at any time.
• Offer is only valid with use of a Promotion Code. Promotion of this offer may end at any time.
• 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 to your checking account. Direct Deposits do not include teller deposits, wire transfers, debit card transfers, ATM, Online and Mobile Banking transfers or deposits, person to person transfers (such as Zelle® or Venmo), or a merchant advancing payroll using a 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

• Simply Right has a $10 monthly Fee, waived with one transaction* – a deposit, withdrawal, transfer, or payment – posted during the calendar month.

Early Account Termination Fee

$25 if closed within 90 days

Our Verdict

Not as good as the last $500 bonus. Although the direct deposit requirement is lower for the $400 tier. In any case a lot of people try to cycle these santander bonuses so if you’re eligible it’s probably worth just taking this bonus as I doubt we will see anything better in the short term. We will add this to our list of the best bank account bonuses. If you have issues with applying try using firefox.

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

Direct link to offer

• Cafe Tango is offering a free frozen coffee every Tuesday through 9/30/26

Our Verdict

Free is free. 

Hat tip to Anthony Paganini