Update 3/22/26: The deal is back, this time $400 for the benefits account (all tiers increased by $100). No end date listed. Hat tip to the reader Bockrr
Update 10/12/25: The deal has been reinstated, no end date listed. It now has the timeless language ‘New members opening a benefits checking account for the first time… Limit one promotional offer per individual.’ Hat tip to the reader Flyguy
Update 1/14/24: Extends through 12/31/24
Offer at a glance
- Maximum bonus amount: 300 dollars
- Availability: be a principal resident of Florida
- Direct deposit required: Yes, $1000-$2000
- Additional requirements: See below
- Hard/soft pull: Gentle pull
- ChexSystems: No.
- Credit card financing: Can finance up to $3,000 with a Visa or Mastercard
- Monthly fees: ANY
- Early account closure fee: 180 days, bonus forfeiture
- Family boundary: None listed
- Expiration date: December 31, 2023
Offers
- Addition Financial offers a $300 bonus when you open a new checking account. Bonus levels as follows:
- Get $200 in free checking with a $1,000 direct deposit
- Get $300 in Classic Checking with a $1,000 direct deposit
- Get $400 in benefits checking with a $2,000 direct deposit
Fine Press
- Offer available from 1 October 2025. Offer subject to change or end without notice. New members who open a free checking account for the first time and add direct deposit with a cumulative monthly deposit amount of $1,000.00 within the first 90 days of account opening will earn $100.00. Eligible direct deposits are limited to regularly verified electronic direct deposits of payroll, pension and government benefits payments. If the requirements are met within 90 days of opening the Free Checking Account, the incentives will be deposited within 30 business days after the completion of the promotional requirements. Limit one promotional offer per individual. Cannot be combined with any other promotional offer. Some restrictions apply. Eligibility for membership is required. Residency within qualifying membership counties in Georgia or Florida is required.
- Offer available from 1 October 2025. Offer subject to change or end without notice. New members who open a Classic Checking account for the first time and add direct deposit with a cumulative monthly deposit amount of $1,000.00 within the first 90 days of account opening will earn $200.00. Eligible direct deposits are limited to regularly verified electronic direct deposits of payroll, pension and government benefits payments. If the requirements are met within 90 days of opening the Classic Checking account, the incentive will be deposited within 30 business days after the completion of the promotional requirements. The $5 monthly service fee is waived on the minimum direct deposit(s). Limit one promotional offer per individual. Cannot be combined with any other promotional offer. Some restrictions apply. Eligibility for membership is required. Residency within qualifying membership counties in Georgia or Florida is required.
- Offer available from 1 October 2025. Offer subject to change or end without notice. New members who open a benefits checking account for the first time and add direct deposit with a cumulative monthly deposit amount of $2,000.00 within the first 90 days of account opening will earn $300.00. Eligible direct deposits are limited to regularly verified electronic direct deposits of payroll, pension and government benefits payments. If the requirements are met within 90 days of opening the Profit Checking account, the incentive will be deposited within 30 business days after the completion of the promotional requirements. There is no minimum balance required to open the account. However, you must maintain a minimum daily balance of $1,000 in your account each day to receive the annual percentage yield disclosed. A $15 monthly service fee is deducted from the required direct deposit(s) or debit card transaction(s) per month. Limit one promotional offer per individual. Cannot be combined with any other promotional offer. Some restrictions apply. Eligibility for membership is required. Residency within qualifying membership counties in Georgia or Florida is required.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
Benefits Checking has a $15 monthly fee, which is waived if you do any of the following:
- The fee is waived if there is a direct deposit of $2,000 or
- 20 debit card transactions per month ($10 minimum per transaction)
Early account termination fee
I didn’t see any mention of any early account termination fees on fee schedulee. But you lose the bonus if you close within 180 days.
Our verdict
This has been up to $300 in the past. Not sure if I’m an idiot or the bonus requirements are just not clear.
Useful posts about bank bonuses:
