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[MA, CT] bankESB (Easthampton Savings Bank) $200 Checking Bonus – Direct Deposit No Required


Update 1/19/21: Same deal also available at sister bank for CT & other parts of MA. Hat tip to reader G

Update 4/4/19: Deal is back again. Hat tip to reader ellisder

Update 01/24/18: Only available in MA now unfortunately. No longer available in CT, RI (it will show the MA only restriction on second page of sign up). Hat tip to reader Sarah.

  • Maximum bonus amount: $200
  • Availability: MA (Hampden, Hampshire or Franklin County), CT, RI
  • Direct deposit required: Optional
  • Additional requirements: See below
  • Hard/soft pull: Soft
  • ChexSystems: No
  • Credit card funding: Can fund up to $1,000 with a credit card, Visa, MasterCard or Discover are all accepted
  • Monthly fees: None
  • Early account termination fee: Need to keep account open for 365 days to get full bonus, $10 early account termination fee if closed within 6 months
  • Expiration date: None listed

The Offer

Direct link to offer: MA | CT & MA

  • Open a new checking account with bankESB and receive a bonus of up to $200. Bonus is broken down as follwos:
    • Open account with a debit card and either activate online banking and make 5 debit card transactions or direct deposit (minimum of $25) and receive $100
    • Make 5 bill pays & Activate eStatements and receive $50
    • After 1 year activate checking account anniversary receive $50

 

The Fine Print

  • $100.00 promotional offer is for opening a personal checking account and activating direct deposit (of at least $25.00) or signing up for online banking and conducting 5 debit card transactions using your debit card within the first 60 days of account opening ($100.00 will be credited to the account by the last day of the statement cycle following the 60th day the account has been open).
  •  $50.00 promotional offer is for making 5 bill payments using online banking and enrolling in eStatements within 60 days of account opening ($50.00 will be credited to the account by the last day of the statement cycle following the 60th day the account has been open).
  • Minors (anyone under the age of 18) are not eligible for Online Bill Pay.
  • $50.00 loyalty bonus will be paid after the account has been open for 12 months ($50.00 will be credited to the account by the last day of the statement cycle following the 365th day the account has been open).
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

The basic checking account doesn’t have any monthly fees, it makes sense to just keep this account open for at least a year so you get the $50 anniversary bonus as well. There is a $10 early account termination fee if the account is closed within six months.

Our Verdict

This is a great bonus, it’s a soft pull and you can fund with a credit card and there is no direct deposit requirement. Only downside is that you have to wait 365 days to get the last $50, but not really a big deal because there is no monthly fee on the basic checking account. We’ve added this to our list of the best bank account bonuses because of how good it is.

They’ve previously had a similar $200 deal, but it required referring somebody so this is a lot less hassle for people.

Big thanks to reader, Dave who let us know. Please consider sharing bank bonuses with this site so we can make it even better.

Useful posts regarding bank bonuses:





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Southwest: Book Two Roundtrip Fights Through Corporate Travel Program & Get Companion Pass


The Offer

Direct link to offer (scroll to promotions)

  • Southwest is offering a free companion pass when you book two round trip flights through the corporate advantage program. Flights must be completed between January 18 and February 28. Companion pass good for March 1 through June 30, 2021.

The Fine Print

  • Register for this promotion, then book and fly two qualifying round trip Southwest® flights from January 18 to 5pm CST on February 28, 2021 (the “Promotion Period”) to earn a Promotional Companion Pass* valid for use between March 1 to June 30, 2021.
  • To register for this promotion, you will need to provide your Southwest Rapid Rewards® account number at the time of registration. If you do not have a Rapid Rewards account number, you may register for an account by going online to Southwest.com/rapidrewards to become a Member. Rapid Rewards accounts are free.
  • Registration must be completed prior to booking and commencement of travel. Valid on new qualifying revenue flights booked during the Promotion Period for travel during the Promotion Period and flown within the Promotion Period. Member’s Rapid Rewards account number must be entered at the time of booking Member’s qualifying flights to earn a Promotional Companion Pass valid for use between March 1 and June 30, 2021.
  • A qualifying flight is a round trip revenue flight on Southwest Airlines® from an origin city to a destination city and back to the originating airport or carrier-recognized co-terminal.
  • Travel booked or flown prior to registration for this promotion is not eligible for the Promotional Companion Pass offer.
  • Charter flights, group travel, Southwest Vacation® Packages and reservations made using Rapid Rewards points do not qualify for this promotion.
  • Valid on Southwest Airlines published scheduled service.
  • Changes made to the itinerary after purchase may eliminate qualification for promotion.
  • The Promotional Companion Pass is valid from March 1 to June 30, 2021 and allows you to designate one person to fly with you, free of airline charges (does not include taxes and fees from $5.60 one-way). The designee to fly with you, free of airline charges (does not include taxes and fees from $5.60 one-way), may not be designated until March 1, 2021.
  • No points or tier or Companion Pass qualifying points will be awarded for flights taken by the Companion when flying on a Promotional Companion Pass or Companion Pass reservation.
  • You may change your designated Companion up to three times while you have Promotional Companion Pass.
    If you earn Companion Pass in 2021 by earning 125,000 Companion Pass qualifying points or flying 100 qualifying flights, any changes to your designated Companion during the time you have Promotional
  • Companion Pass will reduce the number of changes you can make to your designated Companion in the 2021 calendar year. For example, if you earn a Promotional Companion Pass through this promotion, change your designated Companion twice during the validity period for Promotional Companion Pass, and later in 2021 earn Companion Pass, you would only be able to change your designated Companion one more time in 2021. Companion Pass is not transferable.

Our Verdict

Very restricted in terms of dates and also how long the companion pass lasts for. If you’re already traveling for work then this could be an easy free companion pass but keep in mind it doesn’t apply to flights already booked or award travel.

Hat tip to FM





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Dillons REWARDS World Mastercard: Get 55¢ Off Per Gallon For A Year


The Offer

Direct link to offer

  • Dillons REWARDS World Mastercard is offering 55¢ off per gallon for a year when you sign up for the card before April 1, 2021.

Card Details

  • No annual fee
  • Discount is redeemable only at Kroger Family of Companies Fuel Centers when you redeem at least 100 existing fuel points earned in a single month.
  • Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law.
  • Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law.

Our Verdict

How useful this type of offer is will depend on how competitively priced the Kroger fuel centers are in your area and also how much gas you actually purchase. It looks like you also need to redeem at least 100 fuel points per month to be eligible for the discount, not sure if that means spending $100+ on the card per month? For most people I can’t see this discount/card worth getting.

Hat tip to Jeff H





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[NH, MA, RI, CT, DE, NY, NJ, PA, or FL] Santander $400 Checking Bonus


Offer at a glance

  • Maximum bonus amount: $400
  • Availability: NH, MA, RI, CT, DE, NY, NJ, PA, or FL.
  • Direct deposit required: Yes, $4,000+ within 90 days of account opening
  • Additional requirements: Use promo code
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes
  • Credit card funding: Up to $500
  • Monthly fees: $10, avoidable
  • Early account termination fee: $25, 90 days
  • Household limit: None
  • Expiration date: March 31, 2021

The Offer

Direct link to offer

  • Santander is offering a bonus of $400 when you open an eligible checking account and complete the following requirements:
    • Have direct deposits totaling $4,000 within 90 days of account opening

The Fine Print

  • 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 needs to be open for at least 90 days and 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.
  • Eligible accounts include the following with these minimum opening deposit requirements: Simply Right® Checking ($25), Santander® Basic Check Checking ($25), Santander® Premier Plus Checking ($50), and Santander Select® Checking ($150).  Offer expires 3/31/2021.
  • 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 has a $3 monthly fee, but that cannot be waived. Simply Right has a $10 monthly fee that is waived with any transaction to the account (deposit, withdrawal, transfer, or payment).

Early Account Termination Fee

$25 if closed within 90 days

Our Verdict

Santander has offered this $400 bonus in the past. Last time it required opening a Premier Plus checking account and this account is much more difficult to keep fee free. Because of that this bonus is significantly better (either eat the $3 fee or just do one transaction a month to keep Simply Right fee free). We have seen a $300 bonus that didn’t require a direct deposit, but there are a lot of datapoints for workarounds for the direct deposit requirement so most people should prefer this newer bonus. Because of that we will be adding this to our list of the best bank account bonuses.

Hat tip to reader Peek

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[NY, CT, MD, VA, DC, CA, NV, NJ, FL or IL] Citibank Up To $3,000 Savings Bonus


Update 1/18/21: Deal is back and valid until 3/3/21.

Offer at a glance

  • Maximum bonus amount: $3,000
  • Availability: Must have a resident address NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL or (2) open and enroll an Eligible Savings Account in a Citibank branch in NY, CT, MD, VA, DC, CA, NV, NJ, FL or IL.
  • Deposit required: $25,000-$1,000,000
  • Deposit Length: 60 days
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: None
  • Monthly fees: $25, avoidable
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: January 5, 2021

The Offer

Direct link to offer

  • Citibank is offering a bonus of up to $3,500 when you open a new savings account. The bonus you receive depends on how much you deposit. This deposit must be made within 30 days of account opening and maintained for a minimum of 60 days:
    • $25,000-$49,000: $75 bonus
    • $50,000-$99,999: $150 bonus
    • $100,000-$249,000: $300 bonus
    • $250,000 – $499,999: $750 bonus
    • $500,000 – $999,999: $1,500
    • $1,000,000+: $3,000

The Fine Print

  • Eligible customers can earn a $100, $200, $400, $1,000, $1,750 or $3,500 “Cash Bonus” during the Offer Period by completing the following Required Activities. By Participating in this “Citi Savings Cash Bonus Offer,” you agree to be bound by the following Terms and Conditions.
  • “Eligible Customers” are new or existing Citibank customers who either (1) have a residential/home (not mailing) address associated with their account in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL or (2) open and enroll an Eligible Savings Account in a Citibank branch in NY, CT, MD, VA, DC, CA, NV, NJ, FL or IL.
  • To qualify to earn a $75 to $3,000 Cash Bonus, Eligible Customers must:

    • First, open a new Eligible Citi Savings Account between October 1, 2020 and January 5, 2021 (“Offer Period”) in the Citibank Account Package, the Citi Priority Account Package or the Citigold Account Package (including Citigold Private Client) (“Eligible Savings Account”).
      • Note: Eligible Savings Accounts may only be used to fulfill the Citi Savings Cash Bonus Offer once per Offer Period.
    • Second, if your Eligible Savings Account is in the Citi Priority Account Package, the Citigold Account Package (including Citigold Private Client), you must have or open a checking account in the same package (“Eligible Checking Account”). If an Eligible Customer is an existing customer but does not have an Eligible Checking Account, they can open the Eligible Checking Account at the time of enrollment.
    • Third, enroll in this offer at the same time you open the Eligible Savings Account. You can enroll online by clicking “enroll” and following the instructions for online account opening or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in the Cash Bonus Offer.If Eligible Customers open their Eligible Savings Account by any other means than those described, they will not be enrolled in this Offer and will not be eligible for the Cash Bonus.
      • Note: Citigold Private Client customers currently may not enroll in the Cash Bonus Offer online
    • Fourth, any owner of the Eligible Savings Account must make a minimum deposit of $25,000 or more in New-to-Citibank Funds which are “Available Now” in your Eligible Savings Account balance within 30 days of opening the Eligible Savings Account (“Minimum Deposit”, see Chart). Multiple deposits allowed. New-to-Citibank Funds can be deposited into the Eligible Checking Account, but must be transferred to the Eligible Savings Account within 30 days of opening the Eligible Savings Account. The Minimum Deposit will determine the maximum amount of Cash Bonus you are eligible to earn (see Chart).
      • Note: “New-to-Citibank Funds” are 1) funds deposited from external accounts or payees other than Citibank N.A. 2) using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank N.A. or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as Apple Pay, PayPal®, Venmo, and Zelle®, do not qualify as New-to-Citibank Funds.
    • Fifth, the Eligible Savings Account must maintain a minimum balance (see Chart) in the Eligible Savings Account for 60 consecutive calendar days from the date the Minimum Deposit is met (“Minimum Balance”). You are eligible to earn the Cash Bonus applicable to your lowest daily balance during 60 calendar days, so long as you were already eligible for that Cash Bonus as determined by your Minimum Deposit.

Avoiding Fees

Monthly Fees

The Citibank Account Package is the easiest to keep free and needs $10,000 in combined average monthly balances to remain fee free. Otherwise, there is a $25 monthly fee.

Early Account Termination Fee

There is no early account termination fee.

Our Verdict

Similar to the recent bonus of up to $3,500, but all the tiers are lower.  The Citi Accelerate Savings account does not qualify for this deal. The interest rates Citi offers are exceptionally low (think the best you can get is 0.15% APY but that requires a deposit of $500,000+). Because of this it’s not worth doing and we won’t be adding this to our best bank bonus page.

Hat tip to reader YAR





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Chase $2,000 Bonus For Upgrading To Chase Private Client


Update 1/18/21: Deal is back, but has been reduced to $2,000. Valid until 4/14/21.

Offer at a glance

  • Maximum bonus amount: $2,000
  • Availability: Nationwide in branch
  • Direct deposit required: None
  • Additional requirements: Deposit $250,000 and maintain for 90 days
  • Hard/soft pull: Soft
  • ChexSystems: No
  • Credit card funding: Cannot fund with debit or credit in branch.
  • Monthly fees: None
  • Early account termination fee: Bonus taken back if closed within six months
  • Household limit: None listed
  • Expiration date: April 23rd, 2019 June 15th, 2019 August 6th, 2019 September 28th, 2019 November 19th, 2019

The Offer

Direct link to offer

  • Meet with a Private Client Banker by April 15, 2021 to upgrade your Chase account to Chase Private Client and receive a bonus of up to $2,000 when you meet the following requirements:
    • Within 45 days transfer a total of $500,000 or more in new money to a combination of eligible check, savings and/or eligible investment accounts (deposit $250,000 for $2,000 bonus or $150,000 for $1,000 bonus)
    • Maintain that balance for at least 90 days

 

The Fine Print

  • Offer not available to existing Chase Private Client customers.
  • To receive the $1,250 bonus: 1) Meet with a Private Client Banker to upgrade your existing account to Chase Private Client CheckingSM account. 2) Within 45 calendar days, transfer a total of $250,000 or more in qualifying new money or securities to an eligible checking, savings and/or J.P. Morgan investment accounts (opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor or Financial Advisor).
  • Ineligible accounts: any You InvestSM accounts, Certificates of Deposit, insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts such as Traditional and Roth IRAs, Keogh, Simple IRAs, and 401(k) Plans.
  • The qualifying new money or securities must be transferred from non-Chase or J.P. Morgan accounts and cannot be funds or securities held by Chase or its affiliates. AND 3) Maintain at least a $250,000 balance for at least 90 days from the date of funding (gains and losses to qualifying investment balances from trading or market fluctuation will not be counted for purposes of meeting the balance requirements).
  • After you have completed all the above requirements, we will deposit the bonus in your existing Chase Private Client Checking account within 10 business days.
  • The Annual Percentage Yield (APY), for Chase Private Client Checking effective as of 01/22/19 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.
  • You can only participate in one Chase Private Client Checking, Sapphire Checking or You Invest new money bonus in a 12 month period.
  • Coupon is good for one time use. Bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

As far as I know there is no monthly fee, but if you don’t maintain the $250,000 balance requirement they might downgrade your account to something else

Early Account Termination Fee

Bonus taken back if closed within six months

Our Verdict

You could sign up for a $600 checking/savings bonus and then wait six months and then do this $1,250 deal in branch. The fine print says you’re not eligible for this bonus if you’ve done any Sapphire Checking, Chase Private Client Checking or You Invest new money bonus in a 12 month period, rather than every two years on the regular Chase checking/savings bonus.

For most people this $2,000 Chase Private Client bonus isn’t worth considering because YouInvest balances do not qualify and Chase deposit accounts earn a very low APR and the other investment accounts have higher fees than other options. Because of that I wouldn’t recommend signing up for this deal.

Useful posts regarding bank bonuses:

Post history:

  • Update 11/22/20: Deal has been increased to a maximum $3,000 bonus. Hat tip to reader EW
  • Update 9/27/20: Deal extended until 11/23/20.
  • Update 8/10/20: Extended until 10/1/20.
  • Update 5/26/20: Deal might be better than we originally thought. Normally there is a 1.25% fee, YouInvest doesn’t have this fee but is excluded from counting for this bonus. They have another self directed account called “Full Service“, this has no management fee if your a Chase Private Client (CPC). There is an annual fee of $50, but this is waived if you are CPC or have $25,000 in investments.
  • Update 5/25/20: Deal is back and valid until 8/10/20. Hat tip to reader Don
  • Update 1/19/20: Deal has been extended until March 6th, 2020.
  • Update 11/20/19: Bonus has been extended until January 17th, 2020.
  • Update 11/8/19: Bonus has been increased to $2,000 (up from $1,250).
  • Update 8/15/19: Deal has been extended until September 28th, 2019. Hat tip to MtM
  • Update 6/17/19: Deal has been extended until August 6th, 2019.
  • Update 4/24/19: Deal has been extended until June 15th, 2019.





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