Offer at a glance

• Maximum bonus amount: $600
• 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 $600 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

Update 11/6/26: Bonus has been increased to $1,000, was $200. Looks like the referral to remove the six month requirement has been removed. (Update: expired?)

Update 9/13/26: Looks like the increased earnings/credits have been removed. 

I’m reaching back out with an update, and I’m sorry for the delay. We confirmed there doesn’t appear to be a bug here.

It’s expected that you no longer see those other cash back offers because they’ve been removed. Right now, the available cash back offers are for purchases made with any debit card linked to Albert at select retailers, and they can only be seen if you’re on a Genius plan.

I’m seeing you’re on the Standard plan, so I understand if you’d like to cancel if those cash back offers are no longer available to you. Do you want me to go ahead and cancel it for you?

I responded: So what you’re saying is those Albert debit card cash back offers are now only available with a genius plan? When did that change? I never received any communication about it. 

Albert: Sorry for any confusion. What I meant is that some cash back offers are available with the Genius plan, and those apply to select retailers.

The offers can be different from what’s available with Genius. The cash back offers that were available on the Standard plan have been removed, but Genius plan customers may still have different cash back offers available.

You haven’t received any communication about this yet, and more information should be shared soon. We just didn’t want to leave you wondering why this was happening when there isn’t anything wrong with your account. The information about some cash back offers being removed should be released soon.

Hat tip to reader Josh

Update 6/13/26: Reposting as we now know what the requirements are, plus the details on increased earning/credits. 

Offer at a glance

• Maximum bonus amount: $200 in stock 
• Availability: Nationwide
• Direct deposit required: Unknown
• Additional requirements:
• Hard/soft pull: Unknown
• ChexSystems: No
• 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

• Albert (fintech) is offering $1,000 in stock for free. Requirements are as follows:
  • Complete the signup flow to create an Albert account
  • Sign up for the Genius AI subscription tier
  • Create an Albert Investing account
  • Deposit at least $10,000 within 90 days of opening your account (the “Minimum Deposit”)
  • Maintain a Genius AI subscription plan and keep your Albert account in good standing for a continuous period of at least 12 months from the date you created your Albert Investing account (such period, the “Subscription Period”)
  • Maintain the Minimum Deposit, not including the free stock award, in your Albert Investing account through the end of your Subscription Period, following the date you first funded your investing account with the Minimum Deposit. Maintaining the Minimum Deposit means the sum of your deposits must always exceed the sum of your withdrawals by at least $10,000. Any gains or losses on your investments do not affect this calculation.
• You can skip the six month hold period if you refer three people and they complete the above requirements (excluding six month period). Please do not share your referrals in the comments below, they can be shared in this linked post. 

The Fine Print

• Refer friends: You can unlock your stock early by referring friends. When you successfully refer 3 or more eligible new friends to Albert, you can unlock your stock in as little as 1 month with no deposit required in your Albert Investing account. That’s up to 5 months sooner than the standard timeline. You must have at least 3 referrals complete the following for you to be eligible to unlock your stock early:
  • Complete the signup flow to create an Albert account.
  • They must be a first-time Albert customer. Existing and previous Albert customers are not eligible for this offer.
  • Sign up for any Albert subscription tier
  • Create an Albert Investing account
  • Make at least one successful subscription payment
  • If you do not refer 3 eligible friends, the free stock gift conditions described below apply.
• To receive $200 worth of stock, you must complete the following:
  • Complete the signup flow to create an Albert account
  • Sign up for any Albert subscription tier
  • Create an Albert Investing account
  • Deposit at least $1,000 within 90 days of opening your account
  • Maintain any Albert subscription plan to keep your account in good standing for 6 months from the date you created your Albert Investing account
  • The stock will show in your Albert Investing account as “locked” and will be unavailable to sell until the date displayed. The free stock will become available to sell, or to continue holding without restriction after the 6 month hold period has ended and you’ve met all requirements listed above. While the free stock gift is locked, it will show as part of your investing account balance.
• This offer cannot be combined with other Albert offers or discounts for signing up or opening an Albert account.
• The stock gift will be randomly selected from the following list of public companies: AMZN, AAPL, DIS, GOOG, MSFT, META, NKE, NVDA, TSLA
• The value of the free stock granted to you or your friend as part of this offer is not guaranteed and may increase or decrease prior to you or them being allowed to sell it.

Avoiding Fees

 Paid subscription plans range from $19.99 to $39.99 per month

Increased Earning/Credits

Albert offers a number of increased earning rates with the Albert debit card. Things to know:

• You can earn a maximum of $5 cash back per offer.
• The offers reset after one week and you can do it again.
• You need to activate the offer and then use your Albert debit card. 
• You need to have received a direct deposit to be able to use these offers, faking doesn’t seem possible. No minimum

Offers:

• 10% back on gas
• 20% back on grocery stores (Whole Foods, Costco, Kroger, and Publix)
• 10-15% back on food delivery
• 10% back at McDonald’s, burger king and other fast food chains
• 10% back on Uber & Lyft
• Up to 15% back on Playstation, Nintendo, and other select entertainment purchases.
• More sample offers

Referrals

You do not get anything extra for being referred, if you successfully refer three people then you skip the six month hold period for your $200 reward. Please do not share your referrals in the comments below, they can be shared in this linked post. 

Our Verdict

You’ll have to pay $479.88 in Genius AI fees. If you put the $10,000 into a 5% earning account you’d also earn $500 so not really a good deal unless you can get the $10,000 invested into something you already wanted to invest in.  Shame that they removed the offers that reset after seven days and increased the monthly fee account that is required. 

 They raised $100 million in 2021 and an undisclosed round in 2025 from Friends & Family Capital. We previously covered Albert when they were offering bonuses from Swagbucks + a direct deposit bonus. 

Please do not share your referrals in the comments below, they can be shared in this linked post. 

Hat tip to reader ShawntheShawn

The Offer

• 7-Eleven is offering $0.26 off per gallon when you text STARSFAN to 711711

Our Verdict

Not sure if it will stack with $0.5 off on the 7th/11th each month or any of the old stackable promo codes but worth a try. 

Update 8/2/26: Extended until 10/31/26

Update 5/4/25: Available again, no end date listed.

Update 3/3/24: Deal is back and valid through December 2024 (ht reader Heather)

Update 4/15/23: Deal is back through Dec 2023. Recent dp say it’s a soft pull.

Offer at a glance

• Maximum bonus amount: $150
• Availability: CO only
• Direct deposit required: Yes, no minimum mentioned must maintained by 6 months
• Additional requirements: See below
• Hard/soft pull: Soft pull according to recent DPs
• ChexSystems: Unknown
• Credit card funding: $500
• Monthly fees: None
• Early account termination fee: $5, six months
• Household limit: None
• Expiration date: December 31, 2023 December 31, 2024

The Offer

Direct link to offer

• On Tap Credit Union is offering a bonus of $150 when you open a new checking account and complete the following requirements:
  • Use promo code CHECKING150
  • Mention promotion at account opening
  • Set up a direct deposit of at least $500 and maintain it for six months
  • Make at least 10 debit card purchases

The Fine Print

• Subject to IRS dividend reporting. Must mention this promotion at the time of account opening to qualify. A $5 par membership share with On Tap Credit Union is required. Checking account and direct deposit must be maintained for six (6) months after the date opened.
• Offer available through Dec 2022.
• 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 the fee schedule there is a $5 fee if the account is closed within six months. You need to keep the account open for longer than six months anyway to complete the requirements.

Our Verdict

Very annoying that the direct deposit must be maintained for six months, not worth it for a lot of people.

Hat tip to alopez14

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 10/31/26: $10 off $20 with promo code TREAT

Update 10/28/26: $25 off $50+ with promo code NOTRICKS

Update 9/15/26: Offering $10 off $15 with no code, shows in app and must hit claim now. Might need to click ‘order’ to get it to appear, not everybody eligible. 

Update 9/7/26: Deal is back, this time it’s $20 off $30 with promo code: SLURPEE (ht to reader Snook on the line)

Update 8/15/26: Deal is back with promo code 10ForYou

Update 8/1/26: Back with code AUG10

Update 7/25/26: Deal back with promo code SUNSHINE. 

Update 7/19/26: Promo back for today only (7/19), pickup option available: Get 10$ off 20$+ with promo code: FINALS. (ht LS)

Update 7/4/26: $17.76 off 30$+ off $20 With Promo Code CELEBRATE

Update 6/27/26: $10 off $20+ with promo code SUMMER10

Update 6/12/26: $10 off $20 with promo code FORDAD. Valid today only. Pickup or delivery. (ht LS)

Update 6/12/26: $10 off $30 with promo code USA10

Update 6/6/26: $10 off $20 with promo code JUNE10

Update 5/25/26: $20 off $30+ with promo code MONDAY20. 

Update 5/10/25: $10 off $20+ with promo code FORMOM

Update 5/2/26: $10 off $20+ with promo code SPRING10

Update 4/15/26: $10.4 off $25 With Promo Code WRITEOFF

Update 4/4/26: $10 off $20 With Promo Code SCORE, Works On Pickup. April 4 only

Update 3/28/26: $10 off $20+ with promo code HOOPS

Update 3/17/26: $17 off $30+ with promo code LUCKYDAY. Today only, works on pickup. 

Update 2/7/26: $10 off $20 with promo code TOUCHDOWN. Works on pickup

Update 1/24/26: $15 off $30 with promo code football15. Works on pickup

Update 1/11/26: $10 off $20 with promo code WILDCARD. Works on pickup

Update 9/4/25: $10 off $20 with promo code GAMEDAY works on pickup.

Update 9/1/25: $20 off $30 with promo code SLURPEE

Update 8/23/25: $20 off $30 with promo code KICKOFF

Update 8/16/25: $10 off $20 with promo code SUNNY10

Update 8/9/25: $15 off $30 with promo code SUMMERFUN

Update 7/26/25: $15 off $30 with promo code 15OFF30

Update 7/13/25: $15 off $30 with promo code SUMMER15

Update 6/29/25: $15 off $30 with promo code SUNDAYSAVE

Update 5/31/25: $10 off $20 with promo code SUNSHINE

Update 4/20/25: $20 off $30 with promo code EASTER

Update 4/15/25: New code $10.40 off $20 With Promo Code WRITEOFF

Update 3/17/25: New code $17 Off $30 With Promo Code LUCKY

Update 3/8/25: New code  MARCH10 for $10 off $20 deliver. 3/8 only.

The Offer

• 7-Eleven 7NOW is offering $20 off $30 with promo code MARCH10

Our Verdict

Works 3/8 only.

Offer at a glance

• Maximum bonus amount: $250
• Availability: Salt lake or Weber county, aged 13-25. Can join via financial fitness association, but that isn’t an option during sign up so probably won’t work
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: Account needs to be open for 12 months for full bonus
• Household limit: None listed
• Expiration date: 12/31/25

The Offer

Direct link to offer

• Goldenwest Credit Union is offering a $250 bonus for members aged 13-25. Bonus broken down as follows:

The Fine Print

• The Goldenwest Credit Union Smart Money Offer is available for ages 13-25.
• Membership and eligibility required.
• Members under age 18 will need a parent and/or qualified joint owner on the SMARTStart or SMARTPay account.
• Member must have both a debit card and e-statements to be eligible. $50 deposit will be made the Saturday after conditions are met.
• Six debit card transactions must be outgoing (no return transactions).
• Six transactions must be within 90 days of opening the account and/or activating the promotion.
• $50 deposit will be made the Saturday conditions are met.
• Members ages 13-17 must complete any 10 courses of their choosing with an 80% pass rate to be eligible.
• Members ages 18-25 must complete any five courses of their choosing with an 80% pass rate to be eligible.
• Must register with email tied to GWCU account.
• $100 deposit will be made the Monday after completing the required courses.
• Active account criteria is 24 transactions (debit, credit, ACH, or check) per year for ages 13-17, or 60 transactions (debit, credit, ACH, or check) per year for ages 18-25.
• If the member turns 18 or 26 after activating the promotion, the original transaction and course requirements will not change.
• Good standing criteria means you are not delinquent on any loan payments over 30 days, not negative over 30 days, have no charged off accounts, and have updated your address.
• $50 deposit will be made on the Saturday following the one year anniversary.
• Member NCUA. This offer cannot be combined with any other offers.
• Offer valid through 12/31/2025.
• 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

Account needs to be kept open for full year for full bonus. 

Our Verdict

Rare to see youth checking bonuses, especially this generous. Not sure how easy/hard the courses are or how long they take but this does seem to be worth doing if you’re eligible. We will add this to our best bank account 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

Update 10/4/26: Deal is back until 10/31/26. 

Extended to 7/31/2026

Update 6/6/26: Deal is back, this time for $300. In branch only. Hat tip to reader snailrock

Update 3/9/26: Deal is back this time for $250 + Stanley cup. 

Update 1/10/26: Bonus is back, this time for $300. in branch only now as you need to open rainy day savings account in branch. Hat tip to reader snailrock

Update 5/30/25: Deal is back, this time $250 + ring doorbell. Hat tip to reader Orin

Offer at a glance

• Maximum bonus amount: $250
• Availability: FL, MA, NJ, NY, VT
• Direct deposit required: Yes, $500+
• Additional requirements: None
• Hard/soft pull: Soft
• Chexsystems: Yes
• Credit card funding: Yes, unknown maximum
• Monthly fees: None
• Early account termination fee: $26 if closed within three months + you forfeit bonus
• Household limit: One
• Expiration date: April 30, 2025

The Offer

Direct link to offer

• Trustco Bank is offering $300 when you open a Home Town Free Checking account and a rainy day fund and complete the following requirements:
  • Open a Home Town Free Checking Account at a Branch Near You
  • Set Up Reoccurring Direct Deposit

The Fine Print

• Promotional offer is valid from 4/4/2025 – 4/30/2025.
• Only one offer of each per eligible customer and household per 12-month period.
• Account opening and other transactional requirements must be met.
• All bonuses will be paid within 60 calendar days of verification that the requirements have been satisfied for each offer.
• 1. To receive the Stanley™ Mug (approximate retail value of $50) and $250 bonus, you must open a new Home Town Free Checking with Direct Deposit. Direct Deposit must be the entire amount from a recurring Payroll, Social Security, and/or Pension (minimum of $500 monthly Direct Deposit).
• Direct Deposit must be completed within 60 calendar days from the date that the account was opened.
• Minimum of $50 to open a Checking Account. Home Town Free Checking: Does not earn interest. 2 – Initial debit card supplied at no cost. A fee may apply for replacement cards. 3 – Standard messaging and data rates may apply and vary by carrier. Offer subject to change without notice. Employees are not eligible to participate in this promotion.
• All bonuses will be reported to the internal revenue service.
• Please Note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. Stanley™ is a registered trademark and not affiliated with this promotion.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

They offer a free checking account with no monthly fees to worry about. The savings account has no monthly fees to worry about as long as you have a balance of $200+

Early Account Termination Fee

If the account is closed within three months you have to pay a $26 fee, you also forfeit the bonus.

Our Verdict

Previous bonus was only $250 and had to be opened in branch. This is a better bonus but no savings bonus component. It’s a shame that the stanley mug looks branded so can’t sell that off.

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 6/12/26: Extended to 8/7/26

Update 4/5/26: Back until 6/10/26. 

Update 6/12/25: Deal is back through 8/22/25 at this new link (ht reader RT Vegas)

Offer at a glance

• Maximum bonus amount: $500
• Availability: Must live, work, worship, volunteer, attend school in one of the following counties Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, and Sullivan Counties
• Direct deposit required: Optional
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Up to $10,000
• Monthly fees: None
• Early account termination fee: $20, 90 days
• Household limit: None
• Expiration date: 12/31/2023

The Offer

Direct link to offer

• Hudson Valley Federal Credit Union is offering $400 checking bonus. Requirements are as follows:
  • Open a new HVCU Premier or Classic Checking Account with a Visa Debit Card
  • Sign up for Internet Banking & eStatements
  • Spend a minimum of $1,500 with your new Debit Card OR make $1,500 in direct deposits into your new account within the first 90 days

The Fine Print

• Terms and Conditions Applicable to $400 Bonus Checking Account Offer, valid from 10/2/2023 to 12/31/2023
• Account holder has 90 calendar days to meet the requirements to receive bonus. HVCU will deposit the $400 bonus into the account holder’s new checking account within five business days after the completion of the 90 calendar day qualification period, so long as the account holder fulfills each of the following three qualifications:
• Open a new checking account with HVCU Visa Debit Card (must be requested at time of account opening);
• Enroll in Internet Banking and/or Mobile Banking services and enroll in e-statements;
• Use your new HVCU debit card and spend a minimum of $1,500 using the new checking account OR sign up for qualifying direct deposits with a cumulative minimum of $1,500 into your new checking account. 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 direct deposits and transfers include: your initial ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Internet or Mobile banking transfers or deposits. Offer subject to member verification.
• Only one bonus of $400 will be paid to the primary checking account owner. This must be your first HVCU checking account to qualify for this bonus. Only Personal Classic and Premier checking accounts are eligible for this offer. Members under the age of 18 are not eligible to receive this bonus. No exceptions will be made or considered. Account must be in good standing and the qualifications satisfied to receive bonus. Good standing means you have on deposit at least the par value of one full share ($0.01) in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. May be subject to IRS reporting; please consult your tax advisor. HVCU expressly reserves the right to terminate this promotion at its discretion at any time and without further notice provided to you.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Classic checking account has no monthly fees to worry about.

Early Account Termination Fee

According to the fee schedule there is an early account termination fee of $20 if closed within 90 days of account opening.

Our Verdict

Not sure if the credit card funding is still available or not. Previous best was the $750 checking bonus, but that required a direct deposit. Worth doing if you live in an eligible area.

Hat tip to reader Tikky

Post History:

• Update 4/19/25: Deal is back until 5/23/2025
• Offer doesn’t start until 2/10/2025
• Update 2/8/25: Deal is back, this time valid until 5/9/25. Hat tip to reader Kevin H
• Update 10/12/24: Deal is back, but now for $500. Valid until 12/4/24. Hat tip to reader Alex

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: $300
• Availability: Anyone who lives, works, worships, volunteers, or goes to school in Orange, Ulster, Dutchess, or Rockland, Pike, Sullivan, and Sussex Counties qualifies for membership
• Direct deposit required: Yes, but any external deposit will work
• Additional requirements: None
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: $10, avoidable
• Early account termination fee:$25 6-months
• Household limit: None listed
• Expiration date: None listed

The Offer

Direct link to offer

• Heritage Financial Credit Union is offering a bonus of $300 when you open a new checking account and complete the following requirements:
  • Set up external deposits to your Heritage Direct Checking account that total $1,000 or more over 90 days
  • Receive $300 in your account in the fourth statement cycle following account opening

The Fine Print

• Eligible for the Bonus Offer. An existing member with an HFCU checking account may switch their checking account over to this new product, however, they will not receive the $300 bonus. They will receive the additional benefits listed for the Heritage Direct Checking account.
• To receive a one-time $300.00 bonus (“Bonus”) a member must: open a Heritage Direct Checking and within 90 days of account opening, enroll in e-statements and have 2 (two) or more new qualifying external electronic deposits totaling $1,000.00 or more (transfers from one account to another, wires, mobile deposits, P2P or deposits made at a branch or ATM are not considered a qualifying electronic deposit.)
• The Bonus will be credited to the account in the 4th statement cycle from the account opening, as long as the account is open, active and in good standing.
• Appropriate tax reporting will occur, please consult your tax advisor with questions. Only one bonus will be awarded per primary member, regardless of the number of accounts opened.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has a $10 monthly fee. To avoid the service fee the account must maintain a monthly minimum balance of $500.00 or have 10 (ten) Point of Sale (POS) external transactions per statement cycle and be enrolled in e-statements. Program criteria subject to change without notice. All account applications are subject to approval.

Early Account Termination Fee

$25 EATF if closed within 6-month

Our Verdict

Seems like an easy bonus for $300, especially if it turns out to be a soft pull. Share your experiences in the comments below.

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 11/29/25: Deal is back until December 5, 2025. This time for $500

Offer at a glance

• Maximum bonus amount: $600
• Availability:  live, work, worship, or attend school in any of the following counties, you’re eligible for membership: Autauga, Baldwin, Blount, Calhoun, Cherokee, Coffee, Colbert, Cullman, Dallas, DeKalb, Elmore, Etowah, Fayette, Franklin, Geneva, Houston, Jackson, Jefferson, Lamar, Lauderdale, Lawrence, Lee, Limestone, Madison, Marion, Marshall, Mobile, Montgomery, Morgan, Pickens, Pike, Randolph, Shelby, St. Clair, Talladega, Tuscaloosa, Walker, Winston
• Direct deposit required: Yes, $1,000+ per month for three months 
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None
• Expiration date: June 30, 2025

The Offer

Direct link to offer

• Avadian Credit Union is offering a bonus of up to $300 when you open a new checking account and complete the following requirements:
  • Open a new Choice or ChoicePlus+ Checking Account and we’ll credit you with $25 when you fund the account with the required $25 minimum opening deposit within two days. It’s like we’re funding the account for you!
  • Earn another $125 when you use your debit card 15 times² in the first 60 days.
  • Earn an additional $150 when you make direct deposits³ of at least $1,000 in the first 60 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

This account has no monthly fees to worry about.

Early Account Termination Fee

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

Our Verdict

We don’t have any information on this credit union so share your experiences in the comment below.

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 8/8/26: Text “AGAIN” to 96001 and it will extend the 50 cents off on the 7th and 11th until October

The Offer

• 7-Eleven is offering $0.5 off per gallon on the 7th and 11th each month through 7/11/26 when you text AGAIN to 711711
• Also works for Speedway, text to 96001

Our Verdict

Should stack with other 7-Eleven fuel codes or Speedway codes as well. Can view more ways to save on gas here.

The Offer

No direct link, targeted offer

• Get a one-time $20 statement credit by using your enrolled eligible Card to spend a minimum of $100 in one or more qualifying purchases online at Quill.com by 6/16/26

Our Verdict

Quill used to be popular because they sold $200 and $300 Visa gift cards, but then the fees made it cost prohibitive and now only for business customers. Still useful for general purchases. 

Hat tip to reader Curmudgeon 

View more Amex offers here & if you have any questions about American Express offers then read this post.

• AmEx Offers: An Introduction & Profitable Examples
• How To Sign Up For Multiple American Express Sync Offers
• Amex Offer Credit Not Posting, What to Do?
• How Does American Express Decide Who Receives What AmEx Sync Offer?
• Do I Need To Make A Single Purchase For AmEx Offers, Or Is It Cumulative?
• What Happens When You Have Two Active AmEx Offers For The Same Store?
• Amex Offers: Do Electronic Wallets Trigger the Offer Credit?

The Offer

Direct link to offer

• Rakuten is offering a $500 bonus when you sign up for a new Lettuce Financial pro or premium account. Account must be active and in good standing, and your subscription must not be canceled or refunded, on the 120th day after your first payment.

The Fine Print

• Cash Back provided by Rakuten, not Lettuce Financial (“Lettuce”). Cash Back is only available for new Lettuce customers (one Cash Back offer per customer and per business) who click through the Rakuten link and sign up for a new paid Lettuce subscription. Customers who have had a Lettuce account before, or who signed up through another promotion or referral offer, are not eligible. Lettuce accounts will be reviewed to determine eligibility. If requirements have been met, Cash Back will be automatically added to your Rakuten account within 120 days of your first subscription payment. Lettuce reserves the right to change these terms or end this promotion at any time and without prior notice. This offer is not transferable and cannot be combined with other offers. Must be at least 18 years of age and a legal U.S. resident with a U.S.-registered business to be eligible. This promotion is subject to all applicable federal, state, and local laws and regulations. 
• Cash Back amount subject to change and determined based on the date the customer clicks the Rakuten link.

Our Verdict

Some things to note:

• Cheapest plan is $49 per month, if your revenue is over $50,000 you’ll be charged $299 per month
• You need an EIN and Articles of Organization. They can form an LLC for you but this will wipe out any profit
• Opening an account automatically opens a bank account, but you can set up a credit card as backup payment for your monthly fees

You’ll end up paying ~$250 in monthly fees to this is a $250 profit. You can earn American Express Membership Rewards or Bilt points instead of cash back. If you’re new to Rakuten, use a referral link to get an extra $50 – check out this post for details.

Hat tip to reader BankBetter

The Offer

Direct link to offer

• Costco is selling a four pack of $25 Nintendo eShop giftcards for $80. Valid until 11/8/26, limit 10

Our Verdict

Normally this is $90, so extra $10 off. You can add up to $800 in gift cards at any one time to your Nintendo account. 

Update 11/2/26: Deal is back from 11/1/2026-11/7/2026. Hat tip to reader finch

Update 10/19/25: Deal is back.

Update 6/12/25: Deal is back on one of the Amazon Zillions versions only, be sure to buy the one that’s tagged for the $20 ExtraBucks deal. (ht HarryTheFirstHarry)

The Offer

Direct Link to offer

• CVS stores are offering $20 in ExtraBucks when you buy $100 Zillions gift cards. Valid 11/24 – 11/30.

Zillions gift cards can be redeemed for Airbnb, Lowe’s, and many others (including Amazon, in some versions).

Our Verdict

Decent savings. Made better with these potential stacks:

• Chase/BofA offer for 10% cash back
• Cash app 7% back
• Albert $5 back
• Rakuten in-store cash back offer of 10% on purchases of up to $50. Note, however, the terms that this doesn’t work on gift cards.
• Some have mentioned an Ibotta deal as well
   

Hat tip to reader RM