10 Bank Promotions That Pay You to Open an Account

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Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise. CIT Bank Premier High Yield Savings Account — 1. So I counted the days on the Calendar and made sure both husband and I Notarized another instruction letter 29 days before the next CD matures. I opened the account on September 22, 2017 and I received my Bonus in October 30th.

We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. Bank Review Bonus Account Expiration Locations Direct Deposit? The best thing is, that they have the online check cashing option that I use on my phone, I've done it many times and never had any issues, it's free, and the money is in my account the next business day. They have around 1200 branches across the following states: Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.

10 Bank Promotions That Pay You to Open an Account

Like any industry working to pick itself up after the economic downturn, banks large and small have struggled to keep business coming through the door. Among the many impacts of the was the Federal Reserve's move to keep artificially low — a maneuver that has made it increasingly difficult for savers to earn on their deposit products and harder for banks to entice new account holders. Looking for an inventive way to grow business, banks are now offering cash rewards to new clientele for opening a checking or with them. With only half of bank customers reporting satisfaction with their retail banking services, according to the World Report 2018, banks are eager for new business, and cash-back rewards are proving both scalable for banks and a much-needed windfall for customers. Are these deals too good to be true, though? With banks garnering from an average of over 30 potential fees on checking accounts, according to The Journal, a cash-back promotion can be a win-win for banks and consumers alike — as long as the latter remains aware of the pitfalls that could threaten their deposits, such as monthly maintenance and fees. What's more, with only 39 percent of Americans having enough , this might be the best opportunity for depositors to move their accounts to more competitive banks — and be rewarded in cash. Banks are looking to attract with these promotions — customers who will likely then acquire or move a , , and other loans to the new bank. And with multiple product discounts, there is an incentive for customers to do just that. However, consumers should be aware of the costs associated with closing and moving accounts before actually doing so, especially if those costs outweigh the advertised cash incentive to open a new account. The following 10 are currently offering cash incentives for opening a deposit account. To get the bonus, you must not have had a BBVA Compass checking account within the last 90 days. BMO Harris Bank Customers who open a personal checking account online can qualify for a cash-back incentive. To qualify, a customer must have a minimum of two direct deposits of a paycheck, pension payment, payment or other government benefit within the first three months of opening the account. The customer must also make at least 10 debit card purchases from the account. This cash incentive is paid approximately 120 days after the account is opened and the bank requires these accounts to remain open for a minimum of six months. The cash reward will be reported to the for tax purposes. This account also comes with fees. Smart Advantage has no monthly fee. This account comes with no , surcharge or monthly fees, and rewards depositors with tiered interest based on deposited amount: 0. Chase Bank Through Jan. This deal is not available to current Chase checking customers, those who have closed their accounts within 90 days, closed with a negative balance or have accounts. Account holders must also maintain the account for six months, enroll in Chase and activate Online Bill Pay to receive the bonus. First Republic Bank First Republic Bank is giving who download Trusteer Rapport for free. This online banking protection software helps protect confidential information that could be jeopardized when banking online. To eliminate this threat and help protect customers' personal information, First Republic Bank is providing a cash incentive just for taking this preemptive measure. To claim the bonus, customers must sign into their accounts after downloading Trusteer Rapport and send a secure email to the bank letting it know which account to credit the to. Direct deposits can include , Social Security, pension and government benefits, PayPal, Schwab Brokerage, Discover, and ACH. This cash reward will be reported on a 1099-INT tax form and will be deposited within 90 days of meeting the aforementioned requirements. Customers must establish a qualifying direct deposit to the account and make at least 10 debit card purchases. Santander Bank Until Dec. The account must remain open for 90 days to receive the bonus. Bonuses will be reported as interest on a in the year received. TD Bank This promotion is designed for young depositors. This deal is available June 1 through Aug. Bank Encouraging depositors to bulk up their savings, is offering customers rewards for those who join the bank's S. Existing customers of U. Bank can still take advantage of this offer by transferring their existing accounts into a qualifying package checking account and opening a Package Money Market Savings account, which comes with the S. Depositors can decide when, how much and how often to transfer money to the.

Each account has different terms so you'll need to review those very closely to avoid fees. Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. Bonus starts earning interest upon account opening, but is unavailable for key bank promotions for 30 days, once the requirements are met. First Republic Bank First Republic Bank is giving who download Trusteer Rapport for free. I left the bar and from the door to the curb where my taxi was waiting the local PD arrested me for public intoxication. Chase Bank Through Jan.