Bank sign-up bonusesbeta

Sign-up bonus

Offer

$500 bonus with $5,000 in direct deposits (+$100 at renewal)

Amount

$500

Minimum deposit

$5,000

Deposit window

90 days

Starts

Jan 1, 2026

Ends

Dec 11, 2026 33d

Verified Oct 27, 2026 · issuer page

Interest

APY

0.05%

Rate type

flat

Notes

0.05% APY on all balance tiers ($0 and up), variable, min $50 to open; fees may reduce earnings. Product-page rate disclosure dated 2026-10-27 (verified live; APY unchanged vs 2026-10-18 table); annual $100 bonus needs $60,000+ eligible direct deposits per 12-month evaluation year, with at least one eligible DD in the last two calendar months.

Verified Oct 27, 2026 · issuer page

Fees & limits

Annual fee

—

Monthly fee

$25

Waiver balance

$15,000

Withdrawal limit

—

FDIC insured

Yes

To qualify

1. Open with a $50 deposit
2. Receive $5,000 in direct deposits within 90 days
3. Open by 12/11/26 using offer code KDMB0526
4. Annual $100 renewal bonus needs $60,000+ eligible direct deposits during the 12-month evaluation period

Availability

AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA

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