Posted by William Charles on February 7, 2017
Bank Account Bonuses

Published on February 7th, 2017 | by William Charles


Banks That Allow/Don’t Allow Out Of State Checking Applications

A lot of bank account bonuses are restricted to certain states. One of the common questions that is asked is “can you open an account with this bank if you live out of state and go into a physical branch to open?” Like most things, it varies by bank/credit union. We will use this page to collect data points, if you have any experience then please share them in the comments below. As always, pages like this live and die by the community. If people don’t contribute, then we will have no data points so make sure you share your knowledge.

Also just a friendly reminder to not waste too much of your vacation time chasing bonuses, it’s nice to enjoy life as well.

Alden Credit Union

  • Doesn’t allow: 1
  • Does allow: 1

Associated Bank

  • Does allow: 1, 2

Bank & Trust

  • Does allow: 1, 2


  • Does allow: 1, 2, 3
  • Doesn’t allow: 1

Blue Hills Bank

  • Doesn’t allow: 1

BMT (Bryn Mawr Trust)

  • Does allow: 1

Central Bank

  • Doesn’t allow: 1


  • Allows: 1, 2

Coatesville Savings Bank

  • Doesn’t allow: 1


  • Does allow: 1

Fidelity Bank

  • Doesn’t allow: 1


  • Doesn’t allow: 1

First Tennessee

  • Does allow: 1


  • Does allow: 1

GESA Credit Union

  • Does allow: 1

HarborOne Bank

  • Doesn’t allow: 1 (ID is checked)


  • Does allow: 1 (not enforced online )
  • Doesn’t allow: 1 (in branch only)

Mountain America Credit Union

  • Does allow: 1

North Shore Bank

  • Doesn’t allow: 1


  • Doesn’t allow: 1


  • Does allow: 1, 2 allowed when there was no bonus), 3 (allowed for a single state specific bonus when they were in another service area), 3 (allowed out of state with bonus), 4 (online), 5 (online), 6
  • Didn’t allow: 1 (Manhattan)

Popular Community Bank

  • Does allow: 1


  • Does allow: 1

Sandy Spring Bank

  • Does allow: 1


  • Does allow: 1
  • Didn’t allow: 1

TD Bank

  • Allows by phone, but not possible to get sign up bonus: 1

Wells Fargo

  • Does allow: 1

44 Responses to Banks That Allow/Don’t Allow Out Of State Checking Applications

  1. Aaron says:

    I’m in MA. I just applied for a Wells Fargo account and was approved.

  2. Marshall Brown says:

    I have a comment on PNC. Last year I was allowed to open an account at PNC even though I’m out of state. I was opening it with a credit card to and the bank did not offer a bonus for opening an account.
    But when they offered a bonus of up to $300 you had to live in the state.
    So, PNC is allowed when there’s no bonus.
    Not allowed at PNC if there’s a bonus.

  3. Herpie says:

    TD is similar to PNC. I was able to open an account from out of state by phone, but could not get a bonus for online sign-up.

  4. Jonathan says:

    BBVA Compass does not allow out of state apps from my experience.

    • Mrs. Gee says:

      We live in PA and have been able to both open an account at BBVA Compass and receive a bonus.

    • Darv says:

      I was approved for a BBVA Compass NBA checking account as part of a promotion. This happened in December 2016. I don’t live anywhere near their footprint.

  5. jackgopack4 says:

    North shore bank. One of the eligibility says family that lives in their service area, but I have immediate family in their hometown area and live in Florida, and they cancelled my account within hours of opening.

  6. Joe says:

    I live in CA, applied in a Suntrust branch in 10/2016 for its $200 bonus and got the bonus.

    I was unsuccessful at a TD branch.

  7. Anna says:

    Chase allowed me to open checking with bonus 3 years ago. I live in Pittsburgh, PA and drove 1 hr to Ohio for the checking account. The banker at that Chase branch even told me a lot of people from PA went there to open account/ credit card.

  8. NoonRadar says:

    Will/Chuck, can you please add this post to your bank account reference page?


  9. Yao says:

    Suntrust allowed me to open a checking account in 2013

  10. digitialpop says:

    Regions bank DOES allow out-of-state applications when done in-branch. Walked into a Regions Jan 2017 and successfully opened an account with my very out-of-state ID/address.

    • Bill says:

      Regions will allow the in-branch account opening, then tries to cross-sell products only to find out that existing customers that don’t live within their states can’t open anything else. Oh well, bonus earned.

      Suntrust, on the other hand, cross sells and approves out-of-state customers after they’ve opened an account in the branch.

      Fifth Third honored a bonus for an account opened in a physical branch. I never sought out anything further from them.

  11. banananon says:

    I got into Alden while being out-of-state.

  12. Santiago Conde Jr says:

    Kansas. Applied and approved in Sept. 2016 with following promotion

    Great news, Santiago:

    Your new NBA Checking account is ready for you to use. You’re about to get closer to the Chicago Bulls than ever before.

    Your debit card will get to you in 7 to 10 business days.

    In fact, just using your NBA Checking account for your everyday banking puts you in the game with NBA Rewards1 worthy of a highlight reel.

    Bill Play1: Pay three bills within 90 days, and you get a $100 electronic gift card to

    Direct Deposit Dash1: Set up a recurring direct deposit. Receive two deposits of more than $300 within 90 days, and that earns you a $15 electronic gift card.

    Swipe for Songs1: Pick up a $10 iTunes® gift card just by using your debit card. Make 40 qualifying purchases within 30 days. That’s all you need to do!

    Thanks so much, Santiago. Showing your passion for the NBA has never been so rewarding!

    Your BBVA Compass team

  13. Vijay says:


    — First Tennessee allows me to apply online and issue bonus eventhough there’s no branch in GA.
    — Associated bank and Legacy TX will allow you to open and get the bonus as well as long as you are there physically at branch
    — Citi, TIAA, MTB, BB&T, HSBC, Amalgamated, Santander and US Bank will allow you open accounts and award bonus irrespective of where you live in US.
    — .I believe Chase, Suntrust, PNC, Regions and WF (to some extent) will need you to live in that state to provide bonus.

    Will add more DP as I think through…Hope it helps!

  14. Marshall Brown says:

    l’m learning the lingo here so can someone tell me what does DP mean?

  15. Dave says:

    I can only chuckle at the some of the DP that have both because if you’ve called enough, banks, credit cards, airlines you’ll learn that phone reps looooove making up rules on the fly lol

    Great post!

  16. Ben says:

    I got the PNC $400 bears promotion by signing up in Chicago and I live in Iowa where there’s no branches.

  17. John says:

    Suntrust Bank did not allow me to open the check account with bonus offer

  18. John says:

    I am in Massachusetts.

  19. matt says:

    I will update this here next week. I opened my account 2/3 and was just funded a couple of days ago. They actually opened 2 checking accounts. Maybe I will get a bonus on each.

  20. John says:

    I’m in MA, applied Wells Fargo Everyday checking with $50 from Citi card on 1/29/17 and the account was approved on 2/9/17. Does anybody know that is the normal time for the approval?

  21. Bob says:

    PNC DP needs to be updated. Bonus is given out to out of state people all the same. Just got my $300 today, CT is very out of state

  22. Wong says:

    For BBVA compass, they requested that I walk into a branch to show my ID despite emailing them my 1040, state id, SS card, and bank statement. My address was in state.

    • Wong says:

      I was, however, funding $10,000 over two accounts, and I was on a VPN that changed my IP address to overseas, so that might have triggered it.

  23. alex says:

    I opened an HSBC account while traveling in Canada (Im a US citizen). The account took an extra 4 weeks to open, and they finally reached out to me to confirm my citizenship. Yes, they definitely track IP address regardless of what info you put on the application.

  24. DGS says:

    FNBO does allow out of state customers to apply for their checking and savings accounts.

  25. Don L says:

    Just formatting – think Popular Community Bank is the wrong heading

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