I’m not entirely sure this wasn’t done in error and not everybody will be happy with an increase they didn’t ask for.

• Gas/EV charging
• Public Transit, purchases made with airlines; commuter services such as bus, rail and ferries; long-range rail; and chartered buses
• Drugstores

This is the first time we’ve seen airline purchases included. That and drugstore purchases should be popular. 

Hat tip to NerdWallet

• Maximum bonus amount: $200
• Availability: Alabama and Georgia, possibly Albany and Leesburg county according to the URL?
• Direct deposit required: Yes, $750+ within 60 days 
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: None listed
• Household limit: Unknown 
• Expiration date: None listed

The Offer

Direct link to offer

• Five Star Credit Union is offering a $200 bonus when you complete the following requirements: 
  • Open a new checking account online with a minimum $25 opening deposit
  • Establish membership with a $5 share savings account
  • Receive at least $750 in qualifying direct deposits per month within the first 60 days of account opening
  • Complete at least 10 debit card transactions per month within the same 60-day period (transactions must post)
  • Enroll in and access online or mobile banking
  • Enroll in eStatements

The Fine Print

• The $25 opening deposit is required to open the checking account but is not required to be maintained.
• Qualifying direct deposits include recurring electronic deposits such as payroll, pension, or government benefits. Person-to-person transfers (e.g., Zelle®, Venmo®), transfers between accounts, and deposits made at a branch or ATM may not qualify.
• All requirements must be completed within 60 days of account opening.
• The $200 bonus will be deposited into the qualifying account within 30 days after all requirements have been met.
• Account must be open and in good standing at the time of bonus payout.
• Limit one bonus per member.
• Offer subject to change or termination without notice.
• Membership eligibility required.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Free checking has no monthly fees to worry about. 

Early Account Termination Fee

I couldn’t find any mention of any EATF in the fee schedule. 

Our Verdict

Please share your experiences in the comments below. Will add it to our best bank bonus page once we have more information. 

Hat tip to reader Chan

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: $250
• Availability: MO and KS, in branch only. Branch locations here.
• Direct deposit required: Yes, no minimum 
• Additional requirements: None
• Hard/soft pull: Unknown
• ChexSystems: Yes
• Credit card funding: Unknown
• 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

• Maximum bonus amount: $300-$750
• Availability: NJ, NY & PA. No way to open online so either in branch only or in branch and online? 
• Direct deposit required: None
• Additional requirements: Up to $15,000 for two full statement cycles
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Up to $2,500. Visa or Mastercard only. Likely cash advance in branch/not possible to fund with a credit card
• Monthly fees: None
• Early account termination fee: $15, six months
• Household limit: None listed 
• Expiration date: June 30, 2026

The Offer

Direct link to offer

• Provident Bank is offering a business checking bonus of up to $750. Bonus you receive depends on the amount of funds you maintain for two full statement cycles:
  • $750 bonus: $15,000
  • $500 bonus: $10,000
  • $300 bonus: $5,000

The Fine Print

• 2Offer available through June 30, 2026.
• To receive $750 cash bonus: open a new Small Business Checking account and maintain an average balance of $15,000 or more for two full statement cycles.
• To receive $500 cash bonus: open a new Small Business Checking account and maintain an average balance of $10,000 or more for two full statement cycles.
• To receive $300 cash bonus: open a new Small Business Checking account and maintain an average balance of $5,000 or more for two full statement cycles.
• To qualify for the cash bonus: (1.) the business entity (per tax identification number) cannot have held any Provident Bank business checking account in the 12 months prior to the new Small Business Checking account opening date; (2.) account must be opened with new money (funds not already on deposit at Provident Bank). T
• he one-time $750, $500, or $300 cash bonus will be credited into your account within 120 days following account opening and after the qualification requirements are met.
• This bonus offer is limited to one cash bonus per Small Business Checking account and per tax identification number.
• Any other promotional offers that appear on third-party websites that are not authorized by Provident Bank will not be honored.
• The value of the cash bonus for qualifying account holders may constitute taxable income to you.
• To facilitate tax reporting, Provident Bank will issue the required IRS Form 1099-INT to you that reflects the value of the bonus as of December 31, 2026.
• This cash bonus offer may be withdrawn at any time and without notice.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

According to this comment there is an early account termination fee of $15 if closed within 6 months.

Our Verdict

Hold period is short, as far as I can see these accounts do not earn interest or earn minimal interest. If you put $15,000 into a 5% account for two months you’d earn $125, probably need to budget for closer to three months to make sure but this is still a great return on funds and we will add to our list of the best business checking bonus. 

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

Offer at a glance

• Maximum bonus amount:
• Availability: Must live, work or worship in one of the following counties: Harris, Ft Bend, Brazoria, Montgomery, Austin, Chambers, Galveston, Liberty, Waller, Wharton. TX
• Direct deposit required: Two direct deposits totaling $1,000+ within 60 days of account opening
• Additional requirements: Use promo code
• Hard/soft pull: Unknown 
• ChexSystems: Unknown, sensitive
• 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

• Members Choice Credit Union is offering a $300 bonus when you open a new checking account and complete the following requirements: 
  • Use promo code NEWREWARDS
  • Receive at least two qualifying direct deposits that combined total $1,000 or more within sixty days of account opening 

The Fine Print

• Checking Account $300 Bonus: Earn $300 when you receive at least two qualifying direct deposits that combined total $1,000 or more within sixty (60) days of opening your new Members Choice consumer account using promo code NEWREWARDS.
• Person-to-person payments and internal transfers do not qualify.
• Only one checking bonus may be earned per member.
• Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. 
• Offer Eligibility: To qualify, membership must be less than thirty (30) days old and has not previously held a Members Choice membership in the past twenty four (24) months. Membership eligibility required.
• Must be 18 years or older to qualify.
• Business accounts and minor accounts not eligible. 
• Bonus Payout Timing: Bonus rewards will be paid within thirty (30) days after the end of the qualification period into the primary accountholder’s main savings account, provided all conditions have been met and accounts are in good standing at the time of payout. 
• Program Changes: Offers are subject to change or withdrawal without notice. Other restrictions may apply. Members Choice reserves the right to modify or end this offer at any time.

Avoiding Fees

Monthly Fees

None

Early Account Termination Fee

Couldn’t see any mention in the fee schedule

Our Verdict

Seems worth doing if you live in a qualifying area. 

Hat tip to reader Jamie

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: $400
• Availability: FL, NJ, NY. 
• Direct deposit required: None
• Additional requirements: $2,500 for three months + 15 transactions
• Hard/soft pull: Soft
• ChexSystems: Unknown, sensitive
• Credit card funding: None
• Monthly fees: $15, avoidable
• Early account termination fee:$25, six months
• Household limit: None
• Expiration date: July 3, 2026

The Offer

Direct link to offer

• Popular Bank is offering a $400 business bonus when you open a business checking account and complete the following requirements: 
  • Open a Popular Primary, Preferred, or Platinum Business Checking account
  • Fund and maintain an average of $2,500 for the first 3 months
  • Complete 15 qualifying transactions* within the first 3 months (includes debit card withdrawals, bill payments, wires credits and debits, ACH credits, Zelle credits and remote deposits by mobile or scanner)

The Fine Print

• This offer (the “Offer”) is for a limited time to eligible customers only and may be terminated or discontinued at any time by Popular Bank, in its sole discretion. The Offer is not available to existing Popular Bank business checking account customers, or whose accounts have been closed on or after April 27, 2026. 
• Your Popular Bank business checking account will be credited within 30 days following the end of the month in which you completed all Offer requirements. See details below on how to qualify. 
• To qualify for the Offer, you need to: 
• A. Beginning Monday, April 27, 2026 through and including Friday, July 3, 2026, open a qualifying business checking account product from one of our Popular Bank Business Packages (Primary, Preferred, or Platinum)**; 
• B. Fund the account with monies not currently on deposit with Popular Bank within 30 days and maintain an average ledger balance of $2,500 through the first 120 days of account opening; and 
• C. Starting the first of month after the account is opened, complete 15 qualifying transactions within three months. Qualifying transactions must be one or a combination of the following transaction types: debit card withdrawals, bill payments, wires credits and debits, ACH credits, Zelle credits, and remote deposits by mobile or scanner. 
• IMPORTANT REQUIREMENT: Your new Popular Bank Business Checking account must be open and in good standing at the time the Cash Bonus (that may be earned as part of the Offer) is to be credited to you. The Cash Bonus will be credited directly to your new Popular Bank business checking account.
• To be eligible for the Cash Bonus, U.S. persons must furnish a valid IRS Form W-9 (Request for Taxpayer Identification Number and Certification).
• Foreign persons must furnish a valid IRS Form W-8BEN (Certificate of Beneficial Owner for United States Tax Withholding and Reporting (Entities)).
• Accounts subject to backup withholding are ineligible. Popular Bank will issue a 1099 INT and you are responsible for any taxes that may be due on the Offer. 
• Only one per business entity. The Offer cannot be reproduced, purchased, sold, transferred or traded. Business entity shall not have closed an account with Popular Bank within the past twelve (12) months. 
• Account opening is subject to Popular Bank’s sole review and approval, meeting all of Popular Bank’s new deposit account criteria and other applicable requirements and is not guaranteed. While we don’t require a minimum deposit to open, Popular Bank may consider your account closed if it has a zero balance for sixty (60) days.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Primary business checking is the easiest to keep fee free. This has a $15 monthly fee that is waived if  $5,000 in average checking balances is maintained. 

Early Account Termination Fee

There is an early account termination fee of $25 if closed within 6 months.

Our Verdict

Looks like you need to submit a form to sign up, not sure if it’ll require going in branch to open or if it can be done over the phone. We will add this to our list of the best business checking promotions.

Hat tip to reader ISAAC G

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

Offer at a glance

• Maximum bonus amount:
• Availability: All locations in IN or MI
• Direct deposit required: Yes, recurring direct deposit of at least $100
• Additional requirements: 10 debit cards & online banking
• Hard/soft pull: Soft pull
• ChexSystems: Unknown, mixed reports of them being sensitive
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: $25, 90 days
• Household limit: One
• Expiration date: July 31, 2026

The Offer

Direct link to offer

• Horizon Bank is offering a $250 bonus when you open a new checking account and complete the following requirements:
  • Use promo code America250
  • Set up a recurring direct deposit of $500 or more
  • Get a debit card and make 10 transactions

The Fine Print

• To qualify for the $250 cash bonus, you must open a new Everyday Checking account and, within 90 days of opening, set up a recurring qualified direct deposit of at least $500 or more and 10 point-of-sale debit card transactions (purchases with your debit card).
• A “qualified direct deposit” is a direct deposit of a paycheck, pension, Social Security, or other eligible monthly income, electronically deposited by an employer or outside agency into your new checking account.
• Person-to-person and bank transfers do not qualify.
• Cash bonus deposited directly to the new checking account within 30 days of qualifying.
• Account must be in good standing at the time of issuing the bonus.
• Limit one cash bonus per customer.
• The cash bonus is subject to 1099 reporting.
• Offer expires 7/31/2026
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

EveryDay checking has no monthly fee. 

Early Account Termination Fee

According to this comment there is a fee of $25 if the account is closed within 90 days.

Our Verdict

Kust keep in mind there is at least one report of them being ChexSystems sensitive.  I will be adding it to the best bank bonuses. Previously this was a $300 bonus (back in 2018) but it required opening in branch.

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

• No annual fee
• No sign up bonus (but has offered $150 in the past)
• Membership available to Ventura county other underserved counties in CA but there is an ACC option, YMMV
• Card earns at the following rates:
  • 5 Points on Gas, Travel, and Hotel & Lodging Transactions
  • 4 Points on Costco and Sam’s Club Transactions
  • 3 Points on Groceries and Dining Transactions
  • 2 Points on Utilities and Streaming Service Transactions
  • 1.5 Points on All Other Transactions
• $5 fee for redeeming points

Not sure I’ve ever seen a charge for redeeming points like that. Don’t think it’s worth considering unless a sign up bonus returns or if you’re doing significant volume and if you are I imagine you’d get shut down quickly. 

Offer at a glance

• Maximum bonus amount: $150
• Availability: Must be a University of Illinois student, alumni or live/work in one of the following counties: Champaign, Coles, DeWitt, Douglass, Edgar, Ford, Iroquois, Moultrie, Piatt, Vermilion, Sangamon,McLean County
• Direct deposit required: No
• Additional requirements: 10 debit card transactions
• Hard/soft pull:  Soft pull
• ChexSystems: Yes
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: 12/31/2024

The Offer

Direct link to offer

• U of I Community Credit Union is offering a bonus of $100 when you open a new checking account and complete the following requirements:
  • Open a new checking account
  • Complete 30 debit transactions
  • Log in to Digital Banking

The Fine Print

• New Checking Account bonus offer available to members who open a new qualified checking account at UICCU between 8/1/2024 and 12/31/2024.
• Members who have held any type of UICCU checking account in the last 180 days or members who have received another checking promotional bonus offer are not eligible for the New Checking Account bonus offer.
• Offer limited to one New Checking Account bonus offer per member up to $150 maximum.
• To receive the New Checking Account bonus offer, the member must (i) meet all eligibility requirements to hold a new first time checking account at UICCU, including making the required minimum deposit (ii) complete a minimum of 30 valid debit card transactions from the new UICCU checking account within 60 days of account opening (iii) register for or login to Digital Banking within 60 days of account opening (iv) maintain the account in good standing as of the New Checking Account bonus payout date.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

iChecking account has no monthly fees to worry about.

Early Account Termination Fee

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

Our Verdict

Better than the previous $100 bonus as it’s bigger and no direct deposit is required this time. Worth doing if eligible and we will add this to our list of the best checking bonuses.

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

• Maximum bonus amount: $300
• Availability: Membership open to anyone who lives, works, or worships in WA, or related to someone who’s eligible for membership, or CWU, Evergreen, UW or WSU student.
• Direct deposit required: Yes, $1,000+
• Additional requirements: Use promo code and 15 debit card transactions
• Hard/soft pull: Soft pull
• ChexSystems: Unknown, sensitive
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: Unknown 
• Household limit: None listed
• Expiration date: None listed

The Offer

Direct link to offer

• WSECU is offering a $300 checking bonus when you open a new cash back checking account and complete the following requirements:
  • CASHBACK300
  • Receive $1,000/month in direct deposits.
  • Swipe your debit card 25 times in the first 90 days

The Fine Print

• Eligibility restrictions:

  • Offer available to new WSECU members who open a Cash Back Checking account within 14 days of becoming a member.
  • Existing WSECU members, or those who closed a WSECU checking account within the last 24 months, are not eligible.
  • Limit one bonus per member.
  • Offer cannot be combined with other promotions.
  • Offer may be modified or withdrawn at any time without notice
  • All accounts must be in good standing in accordance with our Consumer Account Agreement to receive the bonus.
• 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 or not.

Our Verdict

Sadly looks like they are very Chexsystems sensitive so I suspect most readers won’t get approved. Good bonus and worth doing if you can though and will be added to the best bank bonus page with a ChexSystems warning. 

Hat tip to reader BonusVault

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 11/2/25: Bonus now $300. Hat tip to reader Jeremy S

Offer at a glance

• Maximum bonus amount: $300
• Availability: Must lives, works, worships, attends school or regularly conducts business in Suffolk or Nassau County, NY
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Up to $1,000, no American Express
• Monthly fees: None
• Early account termination fee: Six months, bonus forfeit
• Household limit: None
• Expiration date: None listed

The Offer

Direct link to offer

• Suffolk Federal Credit Union is offering a $500 checking bonus when you open a open new momentum checking account.
  • get $250 when you make qualifying direct deposits totaling $2,500 or more within your first 90 days
  • another $250 when you make additional qualifying direct deposits totaling $2,500 or more between days 91–180

The Fine Print

• Offer for new Suffolk Federal Credit Union members only, existing members are not eligible.
• To be eligible for the $100 bonus, Sharks Account must be opened and maintained with a minimum balance of $5 and remain open for six months.
• If the checking account is closed by the member or Suffolk Federal Credit Union within six months, the bonus amount will be deducted at closing.
• You must use your Sharks Debit card for 10 point of sale (POS) signature-based purchases within the first 60 days of account opening to receive bonus.
• Bonus will be credited to your account within 60-90 days of account opening.
• Membership in Suffolk Federal requires a Share Savings account with a $5 minimum balance.
• Membership is open to anyone who lives, works, worships, attends school or regularly conducts business in Suffolk or Nassau County, NY, as well as immediate family members of current membership.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

Account needs to be kept open for six months otherwise the bonus is forfeit

Our Verdict

In the past there was a targeted $200 bonus. Assuming this is a soft pull and you live in the area this should be worth doing as the requirements are easy to meet.

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: $100
• Availability: Alabama only, 29 counties. Full list here.
• Direct deposit required: Optional
• Additional requirements: 10 debit card transactions or direct deposit
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: None listed

The Offer

Direct link to offer

• Alabama Central Credit Union is offering a $100 referral bonus. To qualify the new account must have a direct deposit or 10 debit card purchases within the first 30 days. 

The Fine Print

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

Avoiding Fees

Monthly Fees

Central checking has no monthly fees. 

Early Account Termination Fee

I couldn’t find any mention of an EATF, but I also couldn’t find a proper fee schedule.

Our Verdict

Not sure how the referral actually works, so if anybody signs up and wants to refer please explain it in the comments below. Also let us know if hard/soft pull and if you can fund with credit card. 

Hat tip to reader Bockrr

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 5/3/26: Deal should be back from 5/3-5/9. Confirm in store before purchasing.

Update 4/20/26: Deal is back for 4/19 through 4/25 (ht to reader Novacat05). Shows at this link (scroll down). Reposting with a picture as this current offer is out of sync with how the schedule normally works. 

The Offer

Direct link to offer (search Visa; not yet live)

• Staples stores will be offering fee-free Visa gift cards this week.

The Fine Print

• Offer valid in store only.

Our Verdict

As always remember to use a card that earns at a high rate on office supply store purchases. Or stack with a Chase  Offer or use your Amex Business Gold for the $20 office supply credit.

Deal History:

• Update 4/5/26: Deal is back from 4/5-4/11. Confirm it’s working on comments before purchasing. 
• Update 3/6/26: Deal should be back 3/8-3/14. Will repost when live. 
• Update 2/8/26: Back again for 2/8 – 2/14. Check with your local store to verify. (ht Sam)
• Update 1/11/26: Reader AgSn shares that this deal is back in Staples stores from 1/11 through 1/17 (ht AgSn)
• Update 12/14/25: Deal is actually valid until 12/27.  Also available on Mastercard this week. Hat tip to reader @calwatch
• Update 12/7/25: Deal is back from 12/7-12/13
• Update 11/24/25: Deal is back through 11/29. Hat tip to reader USbank#1hater
• Update 11/9/25: Deal is back, good through 11/15. Hat tip to reader ChurningAP
• Update 10/12/25: Deal is back from 10/12-10/25
• Update 9/14/25: Deal is back for Sun-Sat 9/14-9/20 (ht reader C)
• Update 8/17/25: Deal is back for Sun-Sat 8/17 – 8/23, limit 9. (ht bosox)
• Update 7/20/25: Deal is back for Sun-Sat 7/2 – 7/26 (ht Chatan)
• Update 5/25/25: Deal is back for Sun-Sat 6/22 – 6/28. Limit 9, presumably. (ht reader Mark)
• Update 5/25/25: Deal is back for Sun-Sat 5/25-5/31. Limit 9.
• Update 4/24/25: This deal is coming back next week, 4/27 – 5/3. (That’s in addition to the Mastercard deal running the week of 4/20-4/26.)
• Update 3/27/25: This deal is back for the week of 3/30 – 4/5
• Update 2/28/25: Deal will come back for 3/2/25 – 3/8/25 (there’s a separate deal on Mastercard that’s live through 3/1/25)
• Update 1/31/25: Deal is coming back for 2/2/25 – 2/8/25. Hat tip to FM
• Update 1/2/25: Deal is coming back for 1/5/25 – 1/11/25. Hat tip to FM (there’s a separate deal that’s live through 1/4/25)
• Old update history in this comment

Offer at a glance

• Maximum bonus amount: $500
• IA only and restricted to the following Counties: Benton, Buchanan, Cedar, Delaware, Iowa, Johnson, Jones and Linn
• Direct deposit required: None
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Up to $500
• Monthly fees: None
• Household limit: One
• Expiration date: June 30, 2025

The Offer

Direct link to offer

• FSB Bank is offering a $300-$1,000 bonus when you open a new business checking account and complete the following requirements:
  • Open with a $5,000-$35,000 deposit
  • Maintain an average daily balance of $5,000-$35,000 between days 60 and 90 after opening
  • Make 10-15+ transactions per month and enroll in payroll processing within 90 days

The Fine Print

• To qualify for the $500 incentive, you must: Open a new business checking account and deposit $5,000.00 at account opening.
• Within the first 90 days of account opening, you must:
  • Maintain an average daily balance of $10,000.00 between days 60-90 of account opening,
  • complete 15 transactions/month,
  • and sign up for payroll processing.
  • Accounts may be subject to account analysis and additional fees may apply to payroll processing and ATM Deposits.
  • Accounts subject to approval. Must be 18 to apply. Additional terms and conditions and fees may apply. Offer valid through June 30, 2025
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Basic checking account has a $8 monthly fee. This is waived with a $500 monthly account balance.

Early Account Termination Fee

Premature Account Closure of $15 if closed within 6 months after opening

Our Verdict

Not sure how difficult it is to sign up for payroll processing. But there is a $250 personal checking bonus as well.

Hat tip to ShawntheShawn

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