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.
Contents
- 1 3Rivers Federal Credit Union
- 2 Academy Bank
- 3 Alden Credit Union
- 4 Allied First Bank
- 5 Andigo
- 6 Associated Bank
- 7 Bank of The West
- 8 Bank & Trust
- 9 BB&T
- 10 BBVA
- 11 Blue Hills Bank
- 12 BMO Harris
- 13 BMT (Bryn Mawr Trust)
- 14 Campus USA
- 15 Capital Bank
- 16 Central Bank
- 17 Chase
- 18 CIBC US
- 19 Citizens Bank
- 20 Coatesville Savings Bank
- 21 Columbia Bank
- 22 Comerica Bank
- 23 Credit Union 1
- 24 DCU
- 25 Fairwinds Credit Union
- 26 Fidelity Bank
- 27 Fifth Third
- 28 First America Bank
- 29 First Bank & Trust
- 30 FirstBank
- 31 First Commerce Bank
- 32 First Financial Bank
- 33 First Home Bank
- 34 First National Bank of Long Island
- 35 First Republic
- 36 First Tech Federal Credit Union
- 37 First Tennessee
- 38 Firstrust
- 39 First United Credit Union
- 40 Flushing Bank
- 41 FNBO
- 42 GESA Credit Union
- 43 Hancock Whitney
- 44 HarborOne Bank
- 45 Huntington Bank
- 46 Iberia Bank
- 47 Investors Bank
- 48 KeyBank
- 49 KeyPoint
- 50 Landmark Credit Union
- 51 Midland Credit Union
- 52 Middlesex Savings Bank
- 53 MidWestOne Bank
- 54 M&T
- 55 Mountain America Credit Union
- 56 MyNorthwest
- 57 North Shore Bank
- 58 Northwest Federal Credit Union
- 59 Old National Bank
- 60 OneWest Bank
- 61 Option1
- 62 People’s United
- 63 PNC
- 64 Popular Community Bank
- 65 Premier Bank
- 66 Redstone Federal Credit Union
- 67 Regions
- 68 Ridgewood
- 69 Sandy Spring Bank
- 70 Santander
- 71 Signature Bank of Georgia
- 72 Star One Credit Union
- 73 State Bank of India (California)
- 74 SunTrust
- 75 TBK Bank
- 76 TD Bank
- 77 Tower Federal Credit Union
- 78 UMB Bank
- 79 United Community Bank
- 80 United States Senate Federal Credit Union
- 81 U.S. Bank
- 82 US Alliance Financial
- 83 Valley National Bank
- 84 WaterStone Bank
- 85 Wells Fargo
- 86 Wings Financial Credit Union
- 87 Wintrust
- 88 Woori America Bank
3Rivers Federal Credit Union
- Does allow, worked online and bonus posted: 1,
Academy Bank
- Does allow: 1,
Alden Credit Union
Allied First Bank
- Does allow: 1,
Andigo
Associated Bank
Bank of The West
Bank & Trust
BB&T
- Worked out of state: 1,
BBVA
Blue Hills Bank
- Doesn’t allow: 1
BMO Harris
BMT (Bryn Mawr Trust)
- Does allow: 1
Campus USA
- Does allow: 1 (bonus posted)
Capital Bank
- Does allow: 1 (not out of state, but out of area)
Central Bank
- Doesn’t allow: 1
Chase
CIBC US
- Allows: 1 (sent in via e-mail on 07/03/18)
Citizens Bank
Coatesville Savings Bank
- Doesn’t allow: 1
Columbia Bank
- Does allow: 1
Comerica Bank
- Does allow: 1,
Credit Union 1
- Does allow: 1,
DCU
- Does allow: 1
Fairwinds Credit Union
- Does allow: 1 (online)
Fidelity Bank
- Doesn’t allow: 1
Fifth Third
First America Bank
First Bank & Trust
- Doesn’t allow: 1
FirstBank
- Doesn’t allow: 1
First Commerce Bank
- Allows: 1 (bonus posted)
First Financial Bank
- Doesn’t allow: 1,
First Home Bank
- Soft pull: 1,
First National Bank of Long Island
First Republic
- Does allow: 1 (in branch)
First Tech Federal Credit Union
First Tennessee
Firstrust
- Does allow: 1 (in branch)
First United Credit Union
- Doesn’t allow: 1,
Flushing Bank
- Does allow: 1 (in branch)
FNBO
GESA Credit Union
- Does allow: 1
Hancock Whitney
HarborOne Bank
- Doesn’t allow: 1Â (ID is checked)
Huntington Bank
Iberia Bank
- Doesn’t allow: 1,
Investors Bank
- Does allow: 1,
Jovia Financial Credit Union
KeyBank
- Does allow with two forms of ID, just keep in mind they are inquiry sensitive: 1,
KeyPoint
Landmark Credit Union
- Does allow: 1,
Midland Credit Union
- Does allow: 1,
Middlesex Savings Bank
- Does allow: 1 (in branch)
MidWestOne Bank
- Does allow: 1 (in branch),
M&T
Mountain America Credit Union
MyNorthwest
- Worked in branch: 1,
North Shore Bank
- Doesn’t allow: 1
Northwest Federal Credit Union
Old National Bank
- Worked online: 1
OneWest Bank
- Opened in branch: 1,
Option1
- Doesn’t allow: 1
People’s United
- Does allow: 1 (in branch)
PNC
- 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, 7 (online), 8 (in branch)
- Didn’t allow: 1Â (Manhattan)
Popular Community Bank
Premier Bank
- Does allow: 1 (in branch and bonus pays out)
Redstone Federal Credit Union
Regions
Ridgewood
- Does allow: 1 (in branch)
Sandy Spring Bank
- Does allow: 1
Santander
- Does allow: 1,
Signature Bank of Georgia
- Doesn’t allow: 1
Star One Credit Union
- Does allow: 1,
State Bank of India (California)
SunTrust
TBK Bank
TD Bank
- Allows by phone, but not possible to get sign up bonus: 1
Tower Federal Credit Union
- Requires a donation to the Foundation: 1,
UMB Bank
United Community Bank
- Does allow: 1 (some states)
United States Senate Federal Credit Union
- Does allow: 1,
U.S. Bank
- Does allow: 1 (in branch)
US Alliance Financial
- Allows: 1
Valley National Bank
- Allows: 1,
WaterStone Bank
- Doesn’t allow: 1 (online)
WECU
- Doesn’t allow: 1,
Wells Fargo
Wings Financial Credit Union
Wintrust
- Does allow in branch: 1,
Woori America Bank
- Does allow: 1,
BMO Harris allow OOS application over phone as well for both personal and Biz. I got bonus for both via that route.
US Bank (California) would not permit me to open a business account for a Wyoming LLC
I have benefited from DoC for years and so I’m a little nervous to criticize, but this page may be better organized if it was broken into two sections (Does Allow and Doesn’t Allow) and then state where the bank is based out of. If I happen to visit where my spouse is from, I sure would want to know what banks are in that state (trust me, I’d far rather go do that than hang with the in-laws).
I’ve tried having similar pages as does allow/doesn’t allow in the past and it’s too difficult as often things change. We could probably add the states they have physical locations
For Wintrust, I was able to open an account as a NY resident in Naples, FL in 2021 (successfully got bonus). In Chicago, I went to two branches and they both expressed shock that I had been able to do that. I couldn’t open an account at either branch I went to in Feb 2023.
As of November 2022 in Tampa, FL, in branch with NYS license and US passport.
Seacoast is FL only.
As of November 2023 in Tampa, FL, in branch with NYS license and US passport, see the following.
South State will let you open a personal and you can open business, but takes some finagling.
Hancock Whitney will let you open a personal, but not business.
Regions will let you open personal.
Truist will let you open personal.
Hancock Whitney let me open both personal and business in Nov 23. The business acct is sole prop though.
I opened up an associated bank account online in Southeast Michigan
Chase does not allow Hawaii residents to open banking accounts. My understanding is they also do not allow Alaska residents; only lower-48.
Andigo got bought by Consumers Credit Union
Bank of the West was acquired by BMO and has been rebranded as such, so it can be removed from the list.
was able to open Keypoint, Jovia, Midland and North west CU.
Have done 5/3 in branch in FL before, had to visit two branches this time, first one said no. Regions also turned me down in branch in FL.