Banking
How Bank Signup Bonuses Work
Learn how enrollment, customer eligibility, deposits, account activity, deadlines, fees, and payout windows can affect a bank promotion.
OfferRadar EditorialUpdated Aug 10, 20266 min read
01
Enrollment and eligibility
Some promotions require a specific application path, offer code, new-customer status, ZIP code, or account package. Save the terms that applied when you enrolled.
- ✓Application channel
- ✓Offer code
- ✓Customer-history exclusion
- ✓Geographic availability
02
Qualification activity
Checking offers may use qualifying direct deposit or debit activity, while savings offers may use new money, balance tiers, and a holding period.
- ✓Required activity
- ✓Qualification window
- ✓Eligible funding source
- ✓Maintained balance
03
Payout and account costs
The provider may review activity after the qualification period and pay later. Keep the account in good standing and compare monthly fees or early-closure rules with the expected value.
- ✓Payout window
- ✓Good-standing rule
- ✓Monthly fee
- ✓Early closure
Primary sources reviewed