Offer Details
Written by: RJ
Requirements
- Open a new Cash Back checking account
- Direct deposit $1k within 60 days of opening – $300
- Complete 10 debit card transactions within 60 days of opening – $100
- Maintain a balance of $25k for 120 days after opening – $400
- Bonus posts within 60 days of completion
Referral
- I’m told by a channel member there’s a stackable referral program
- Used his code or mention it to the bank rep: 372526
Eligibility
- NJ, NY, PA
- Can’t have received a new account opening bonus before
Fees
- Cash Back checking – $10 monthly fee is waived with one of the below:
- 10 debit card transactions per month
- $1k direct deposit per month
Account Closure
- No rule listed
Chex
- They seem reasonable
Valid through: No end date listed
Thoughts
For the direct deposit, the promo page says ‘direct deposit’ but the terms say ‘ACH credits’. From that, I’d say you can get away with an ACH transfer but document the terms to be safe.
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Editorial Note:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
You can hold $5K for 120 days to get $200. $15K for 120 days to get $300.
Denied due to chex
Your really starting to have a comprehensive state specific bonus database here RJ.
hi—it seems like amazon reloads would not qualify. unless anyone thinks otherwise
A “qualifying POS debit card transaction” is any Columbia Bank Debit Card transaction that requires either a signature or PIN at the point-of-sale. Please note that ATM withdrawals and online bill payments are not considered qualifying POS debit card transactions
The current offers fine print says $1,000 in ACH CREDITS ( does not specify Direct Deposit)
Can someone confirm a push from fidelity or ally would count as ACH CREDITS?
They should based on the language but be the DP you wanna see. It’s not a super popular bank/offer so limited info.