Guide
How long do bank bonuses take to pay?
Usually a few weeks after you finish the bank's requirements. A few banks pay on a fixed schedule counted from the day you open the account, which can take three to five months.
Two kinds of clock
Some banks start counting when you finish the requirements, like your last qualifying direct deposit. Others count from the day you open the account, no matter how fast you finish. The second kind takes longer, so a good plan opens those first.
Fastest right now: Chime, which pays within about 7 days after you finish the requirements.
Quickest from opening, in a typical plan
Counted from the day you open the account to the bank's latest payout date, in our plans for a $2,000 paycheck every two weeks (the middle state that uses each offer). That includes about a week to set up your payroll split and the wait for payday.
| Bank | Bonus | Paid by about |
|---|---|---|
| Chime | $200 | day 14 after opening |
| Chase Chase Total Checking | $400 | day 20 after opening |
| Truist | $500 | day 35 after opening |
| Wells Fargo | $325 | day 37 after opening |
| SoFi | $50 to $400 | day 41 after opening |
| Red Canoe Credit Union | $150 | day 60 after opening |
| Kitsap Credit Union | $330 | day 63 after opening |
| Unitus Community Credit Union | $300 | day 65 after opening |
Paid after you finish the requirements
| Bank | Bonus | Paid after you finish | In a typical plan |
|---|---|---|---|
| Chime | $200 | Within about 7 days | By about day 14 |
| SoFi | $50 to $400 | Within about 10 days | By about day 41 |
| Truist | $500 | Within about 14 days | By about day 35 |
| WSECU | $500 | Within about 14 days | By about day 91 |
| Chase Chase Total Checking | $400 | Within about 15 days | By about day 20 |
| Chase Chase Savings | $200 | Within about 15 days | Not in a typical plan |
| U.S. Bank | $250 to $450 | Within about 30 days | By about day 107 |
| SAFE Credit Union | $300 | Within about 30 days | Not in a typical plan |
| Wells Fargo | $325 | Within about 30 days | By about day 37 |
| California Credit Union | $250 | Within about 37 days | By about day 100 |
| Kitsap Credit Union | $330 | Within about 42 days | By about day 63 |
| Northwest Bank | $400 | Within about 60 days | By about day 67 |
| SECU (Maryland) | $350 | Within about 60 days | By about day 81 |
| FourLeaf FCU | $350 | Within about 60 days | By about day 67 |
| KeyBank | $300 | Within about 60 days | By about day 95 |
| Unitus Community Credit Union | $300 | Within about 60 days | By about day 65 |
| Everwise Credit Union | $250 | Within about 62 days | Not in a typical plan |
| PNC | $400 | 60 to 90 days | Not in a typical plan |
Paid on a schedule from opening
| Bank | Bonus | Paid after you open | In a typical plan |
|---|---|---|---|
| Red Canoe Credit Union | $150 | 45 to 60 days | By about day 60 |
| KCCU | $500 | 60 to 70 days | By about day 70 |
| MIDFLORIDA Credit Union Free Checking | $400 | 75 to 90 days | Not in a typical plan |
| MIDFLORIDA Credit Union Free Checking (lighter $200 version) | $200 | 75 to 90 days | Not in a typical plan |
| 1st Advantage FCU | $200 | 60 to 90 days | Not in a typical plan |
| CEFCU | $200 | 59 to 103 days | Not in a typical plan |
| Huntington Perks Checking | $400 | 90 to 104 days | By about day 104 |
| Huntington Platinum Perks Checking | $600 | Within about 104 days | Not in a typical plan |
| Flagstar Bank | $400 | 91 to 104 days | By about day 104 |
| Santander | $300 | 90 to 120 days | Not in a typical plan |
| Associated Bank | $300 | 90 to 120 days | Not in a typical plan |
| Bank of Hawaii Convenience Checking | $100 | 60 to 120 days | Not in a typical plan |
| Bank of Hawaii Bankohana Level I Checking | $300 | 60 to 120 days | By about day 120 |
| Bank of Hawaii Regular Savings | $75 | 90 to 120 days | Not in a typical plan |
| Municipal Credit Union | $150 to $350 | 90 to 120 days | Not in a typical plan |
| Morgan Stanley Private Bank | $400 | 90 to 120 days | By about day 120 |
| Webster Bank | $300 | 90 to 121 days | By about day 121 |
| Capital One Capital One 360 Checking | $250 | 75 to 135 days | By about day 135 |
| Hancock Whitney | $300 | Within about 135 days | By about day 135 |
| PSECU | $300 | 100 to 145 days | By about day 145 |
| Bank of America | $100 to $500 | 90 to 150 days | By about day 150 |
| Capital One 360 Performance Savings | $300 | 105 to 165 days | Not in a typical plan |
| TD Bank TD Beyond Checking | $300 | 60 to 180 days | Not in a typical plan |
| TD Bank TD Complete Checking | $200 | 60 to 180 days | Not in a typical plan |
| Peoples Bank | $600 | 30 to 200 days | By about day 200 |
| BMO | $600 | 40 to 225 days | By about day 225 |
If your bonus doesn't show up
Wait until the latest date in the bank's terms. If it still hasn't posted, contact the bank with the date and amount of each qualifying deposit. Keep the account open and the fee waived until it's settled.
Times come from each bank's own terms, checked in the last two weeks. Business days are shown as calendar days, rounded up.