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 Andrews Federal Credit Union
- 7 Arizona Financial Credit Union
- 8 Associated Bank
- 9 Bank Independent
- 10 Bank of Hope
- 11 Bank of Missouri
- 12 Bank of The West
- 13 Bank & Trust
- 14 Bask Bank
- 15 BB&T
- 16 BBVA
- 17 Bethpage Credit Union
- 18 Blue Foundry Bank
- 19 Blue Hills Bank
- 20 BluPeak Credit Union
- 21 BMO Harris
- 22 BMT (Bryn Mawr Trust)
- 23 Campus USA
- 24 Capital Bank
- 25 Cedar Rapids Bank & Trust
- 26 Central Bank
- 27 Chase
- 28 Christian Community Credit Union
- 29 CIBC US
- 30 Citizens Bank
- 31 Coastal Credit Union
- 32 Coatesville Savings Bank
- 33 Columbia Bank
- 34 Comerica Bank
- 35 Credit Union 1
- 36 DCU
- 37 Del Norte Credit Union
- 38 Delta Community Credit Union
- 39 Dow Credit Union
- 40 EECU
- 41 ENT Credit Union
- 42 Equity Bank
- 43 Fairwinds Credit Union
- 44 Fidelity Bank
- 45 Fifth Third
- 46 First America Bank
- 47 First Bank & Trust
- 48 FirstBank
- 49 First Commerce Bank
- 50 First Financial Bank
- 51 First Florida Credit Union
- 52 First Home Bank
- 53 First Horizon Bank
- 54 First National Bank of Long Island
- 55 First Republic
- 56 First Tech Federal Credit Union
- 57 First Tennessee
- 58 Firstrust
- 59 First United Credit Union
- 60 Five Star Bank
- 61 Flushing Bank
- 62 FNBO
- 63 Fulton Bank
- 64 GESA Credit Union
- 65 Great River Federal Credit Union
- 66 Guilford Savings Bank
- 67 Hancock Whitney
- 68 HarborOne Bank
- 69 Huntington Bank
- 70 Iberia Bank
- 71 Investors Bank
- 72 Jovia Financial Credit Union
- 73 KeyBank
- 74 KeyPoint
- 75 Landmark Credit Union
- 76 Langley Credit Union
- 77 Midland Credit Union
- 78 Middlesex Savings Bank
- 79 MidWestOne Bank
- 80 Minnwest Bank
- 81 M&T
- 82 Mountain America Credit Union
- 83 MyNorthwest
- 84 North Shore Bank
- 85 Northwest Federal Credit Union
- 86 Numerica Credit Union
- 87 Old National Bank
- 88 OneWest Bank
- 89 On Tap Credit Union
- 90 Option1
- 91 People’s United
- 92 Pittsfield Coop Bank
- 93 PNC
- 94 Popular Community Bank
- 95 Premier Bank
- 96 Premier America Credit Union
- 97 Redstone Federal Credit Union
- 98 Regions
- 99 Ridgewood
- 100 Sandy Spring Bank
- 101 Santander
- 102 SecurityPlus
- 103 Signature Bank of Georgia
- 104 Star One Credit Union
- 105 State Bank of India (California)
- 106 Sun Canyon Bank
- 107 SunTrust
- 108 Sunward Federal Credit Union
- 109 TBK Bank
- 110 TD Bank
- 111 Tower Federal Credit Union
- 112 UMB Bank
- 113 Unibank
- 114 Union Bank & Trust
- 115 United Community Bank
- 116 United States Senate Federal Credit Union
- 117 University of Kentucky Federal Credit Union
- 118 U.S. Bank
- 119 US Alliance Financial
- 120 Valley National Bank
- 121 WaterStone Bank
- 122 WECU
- 123 Wells Fargo
- 124 Wings Financial Credit Union
- 125 Wintrust
- 126 Woori America Bank
- 127 Veridian Credit Union
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
Andrews Federal Credit Union
- Does allow: 1,
Arizona Financial Credit Union
- Allowed: 1, 2,
- Denied: 1 (possibly just a Chex denial),
Associated Bank
Bank Independent
- Doesn’t allow: 1,
Bank of Hope
- Does allow: 1,
Bank of Missouri
- Does allow: 1,
Bank of The West
Bank & Trust
Bask Bank
- Does allow: 1,
BB&T
- Worked out of state: 1,
BBVA
Bethpage Credit Union
- Doesn’t allow: 1,
Blue Foundry Bank
- Does allow: 1,
Blue Hills Bank
- Doesn’t allow: 1
BluPeak Credit Union
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)
Cedar Rapids Bank & Trust
- Does allow: 1,
Central Bank
- Doesn’t allow: 1
Chase
Christian Community Credit Union
- Allows: 1,
CIBC US
- Allows: 1 (sent in via e-mail on 07/03/18)
Citizens Bank
Coastal Credit Union
Coatesville Savings Bank
- Doesn’t allow: 1
Columbia Bank
- Does allow: 1
Comerica Bank
- Does allow: 1,
Credit Union 1
DCU
- Does allow: 1
Del Norte Credit Union
- Doesn’t allow: 1,
Delta Community Credit Union
- Does allow: 1,
Dow Credit Union
- Does allow: 1,
EECU
ENT Credit Union
- Doesn’t allow: 1,
Equity Bank
- Doesn’t allow: 1,
Fairwinds Credit Union
Fidelity Bank
- Doesn’t allow: 1
Fifth Third
- Does allow: 1,2, 3, 4, 5, 6, 7 (in branch, personal & business), 8, 9, 10, 11, 12 (in branch)
- Doesn’t work online: 1,
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 Florida Credit Union
First Home Bank
- Soft pull: 1,
First Horizon Bank
- Does allow: 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,
Five Star Bank
- Doesn’t allow: 1,
Flushing Bank
- Does allow: 1 (in branch)
FNBO
Fulton Bank
- Doesn’t allow: 1,
GESA Credit Union
- Does allow: 1
Great River Federal Credit Union
Guilford Savings Bank
- Does allow: 1,
Hancock Whitney
HarborOne Bank
- Doesn’t allow: 1 (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,
Langley Credit Union
Most offers seem to specify specific states now.
Midland Credit Union
Middlesex Savings Bank
- Does allow: 1 (in branch)
MidWestOne Bank
- Does allow: 1 (in branch),
Minnwest Bank
M&T
Mountain America Credit Union
MyNorthwest
- Worked in branch: 1,
North Shore Bank
- Doesn’t allow: 1
Northwest Federal Credit Union
Numerica Credit Union
Old National Bank
- Worked online: 1
OneWest Bank
- Opened in branch: 1,
On Tap Credit Union
Option1
- Doesn’t allow: 1
People’s United
- Does allow: 1 (in branch)
Pittsfield Coop Bank
- Doesn’t allow: 1,
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: 1 (Manhattan)
Popular Community Bank
Premier Bank
- Does allow: 1 (in branch and bonus pays out)
Premier America Credit Union
- Does allow: 1,
Redstone Federal Credit Union
Regions
Ridgewood
- Does allow: 1 (in branch)
Sandy Spring Bank
- Does allow: 1
Santander
- Does allow: 1,
SecurityPlus
Signature Bank of Georgia
- Doesn’t allow: 1
Star One Credit Union
State Bank of India (California)
Sun Canyon Bank
- Immediately approves and then denies: 1,
SunTrust
Sunward Federal Credit Union
- Does allow: 1,
TBK Bank
TD Bank
- Allows by phone, but not possible to get sign up bonus: 1
Tower Federal Credit Union
UMB Bank
Unibank
- Doesn’t allow: 1,
Union Bank & Trust
- Doesn’t allow: 1,
United Community Bank
- Does allow: 1 (some states)
United States Senate Federal Credit Union
- Does allow: 1,
University of Kentucky Federal Credit Union
U.S. Bank
US Alliance Financial
- Allows: 1
Valley National Bank
WaterStone Bank
- Doesn’t allow: 1 (online)
WECU
- Doesn’t allow: 1,
Wells Fargo
Wings Financial Credit Union
Wintrust
Woori America Bank
- Does allow: 1,
Veridian Credit Union
- Does allow: 1,
Bank of Hawaii allows OOS applicants in branch. Source: me; opened last week while visiting, no question asked
nice
any good Bank of Hawaii bonus offers?
They have a $400 checking and $200 savings with 5k deposit you can open anywhere in the US but be prepared to send in notarized documents of your id and passport if they lock your account
Which island?
Old National Bank doesn’t allow out of state applications. The “state” field for the address is limited to the eligible states for the bank. The current DP linked for ONB above seems incorrect.
I feel like the most helpful thing would be banks that allow OOS online apps
When it says “does allow” does that mean they allow OOS applicants, whether online or in a branch, or is it only talking about if you apply in a branch?
Click on the links and you’ll see the individual datapoints
I successfully opened an Arizona Financial Credit Union account from OOS a week ago.
You have a separate post on “Bank bonuses that are churnable.”
No?
Yes: https://www.doctorofcredit.com/a-list-of-churnable-bank-account-bonuses/
Fifth Third and Huntington will open personal accounts for OOS in branch, I’ve done them both twice and gotten the bonus each time.
Huntington refused to open a business account if the business was not registered in that state.
Wells Fargo: As long as you open the account in a branch, anywhere, you can get the “in branch only” bonuses even if there are no branches in your state.
Can be a good incentive to visit a state with a Wells Fargo branch 🙂
OOS is allowed, but it’s always YMMV with bankers/branches. I had Huntington banker in Chicago refuse to open a personal account, even as a former Chicagoan with strong ties to the area.
Huntington promo terms also only include residents of in-footprint states, but they still pay out OOS residents anyways.
1 So if bank allow OOS at branches, mean they allow OOS online?
2 If bonus stated specific states, and person is not within that states, and if bank allows to open an account, means the person should/would get the bonus?
Associated Bank and Fifth Third are two that I think do not allow OOS online but do allow in branch. So the answer to your first question would be, depends on the bank. Can’t venture a guess on your second question.
Add M&T to the list too.
1. No. They may or may not, but being able to open in branch does not mean you can open OOS online.
Note that with some banks, once your “foot is in the door”, you can apply for future accounts OOS via your login.
2. No. Being able to open does not bypass the terms, so you’re not entitled to the bonus. Some banks may pay out regardless, but it’s not a guarantee and it’s risky.
Note that if the bonus terms don’t list specific state inclusions, and it’s only a system limitation, generally opening in branch sets the branch location as your “footprint”.
Answer to both is “not always, depends on the bank”
There have been banks on this site where they opened the account for OOS but did not give the bonus. If I remember correctly, one example is M&T, which would open the account but then say the bonus was only for some states and not give it to everyone else.
People’s United merged into M&T a few years ago
Here are the FIs that I have been approved for from OOS (in ABC order), that I believe are still available from OOS and are not on this list.
Blue Foundry Bank (BFB): I was actually approved in-state but others were approved from OOS.
Delta Community CU
Veridian CU
Here are a few corrections/clarifications to the post.
Arizona Financial: 1 DP of someone being denied from OOS is shown on this page but there are many DPs (including my own) of being approved from OOS. That person was likely denied for their Chex stats rather than for being from OOS.
Langley FCU: Although many people, including myself, were approved from OOS, lately their offers have only been for in-state applicants.
On Tap CU: It should be shown as “On Tap” (with a space) but it is shown as “OnTap” (without a space) on this page.
OnTap told me in March they’re only accepting applicants from in state
Don’t think they are enforcing it if it is in state only. I was approved in mid May
OOS is fine with GoWest Foundation for $5.00.
Did you happen to apply without a referral code back in Mar? The reason I ask is because I remember there being a few DPs a while ago where it seemed like applying with a referral code from OOS made getting approved more likely with On Tap. That was only a theory though and was never proven.
Thanks, added these.