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.

3Rivers Federal Credit Union

• Does allow, worked online and bonus posted: 1,

Academy Bank

• Does allow: 1,
• Didn’t allow: 1, 

Alden Credit Union

• Doesn’t allow: 1
• Does allow: 1

Allied First Bank

• Does allow: 1,

Amegy Bank

• Does allow: 1 (in branch), 

Andigo

• Does allow: 1 (bonus posted), 2, 3 (bonus posted)

Andrews Federal Credit Union

• Does allow: 1,

Arizona Financial Credit Union

• Allowed: 1, 2, 
• Denied: 1 (possibly just a Chex denial),

Associated Bank

• Does allow: 1, 2, 3, 4, 5,
• Didn’t allow: 1 (online), 2 (online)

Bankers Trust

• Does allow: 1 (in branch)

Bank Independent

• Doesn’t allow: 1,

Bank of Hawaii

• Does allow: 1, 2, 

Bank of Hope

• Does allow: 1,

Bank of Missouri

• Does allow: 1,

Bank of The West

• Does allow: 1, 2 (in branch)

Bank & Trust

• Does allow: 1, 2

Bask Bank

• Does allow: 1,

BB&T

• Worked out of state: 1,

BBVA

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

Bellco

• Does allow: 1 (online with donation)

Bethpage Credit Union

• Doesn’t allow: 1,

Blue Foundry Bank

• Does allow: 1, 

Blue Hills Bank

• Doesn’t allow: 1

BluPeak Credit Union

• Does allow: 1, 2, 3, 4,

BMO Harris

• Does allow: 1, 2 (in branch & business), 3,

BMT (Bryn Mawr Trust)

• Does allow: 1

Broadway Bank

• Does allow: 1 (in branch), 

Campus USA

• Does allow: 1 (bonus posted)

Canyon View Credit Union

• Does allow: 1, 

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

• Allows: 1, 2, 3, 4,

Christian Community Credit Union

• Allows: 1,

CIBC US

• Allows: 1 (sent in via e-mail on 07/03/18)

Citizens Bank

• Allows: 1, 2, 3 (bonus posted)
• Didn’t allow online: 1,

Coastal Credit Union

• Does allow: 1, 2, 3,

Coatesville Savings Bank

• Doesn’t allow: 1

Columbia Bank

• Does allow: 1

Comerica Bank

• Does allow: 1,

Commerce Bank

• Doesn’t allow: 1, 2, 

CommuntyAmerica

• Allows but no bonus: 1, 

Credit Union 1

• Does allow: 1,
• Doesn’t allow: 1,

DCU

• Does allow: 1

Del Norte Credit Union

• Doesn’t allow: 1,

Delta Community Credit Union

• Does allow: 1, 2, 

Dow Credit Union

• Does allow: 1,

EECU

• Doesn’t allow: 1,
• Does allow: 1 (had to appeal)

ENT Credit Union

• Doesn’t allow: 1,

Equity Bank

• Doesn’t allow: 1,

Fairwinds Credit Union

• Does allow: 1 (online), 2,

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

• Does allow: 1, 2 (online)

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

• Does allow: 1, 2,

First Home Bank

• Soft pull: 1,

First Horizon Bank

• Does allow: 1,

First National Bank of Long Island

• Does allow: 1, 2, 3 (in branch)

First Republic

• Does allow: 1 (in branch)

First Tech Federal Credit Union

• Does allow with Financial Fitness Association membership (they pay the $8 fee)

First Tennessee

• Does allow: 1, 2, 3, 4,
• Allowed but didn’t get bonus: 1

Firstrust

• Does allow: 1 (in branch)

First United Credit Union

• Doesn’t allow: 1,

Five Star Bank

• Doesn’t allow: 1,

Five Star Credit Union

• Does allow; 1, 

Flushing Bank

• Does allow: 1 (in branch), 2 (in branch)

FNBO

• Does allow: 1, 2, 3,

Frontwave Credit Union

• Doesn’t allow: 1 (in branch)

Fulton Bank

• Doesn’t allow: 1,

GESA Credit Union

• Does allow: 1

Great River Federal Credit Union

• Does allow: 1, 2, 3, 4,

Guilford Savings Bank

• Does allow: 1,

Hancock Whitney

• Does allow: 1 (in branch), 2 (in branch), 3 (in branch), 4, 5 (in branch),

HarborOne Bank

• Doesn’t allow: 1 (ID is checked)

Huntington Bank

• Does allow: 1, 2, 3, 4, 5, 6 (in branch), 
• Didn’t allow in branch: 1,

Iberia Bank

• Doesn’t allow: 1,

Investors Bank

• Does allow: 1,

Jovia Financial Credit Union

• Does allow: 1 (bonus posted), 2, 3, 4,

KeyBank

• Does allow with two forms of ID, just keep in mind they are inquiry sensitive: 1,

KeyPoint

• Does allow: 1, 2,

Landmark Credit Union

• Does allow: 1,

Langley Credit Union

Most offers seem to specify specific states now.

• Does allow: 1, 2, 3,

Midland Credit Union

• Does allow: 1, 2,

Middlesex Savings Bank

• Does allow: 1 (in branch)

MidWestOne Bank

• Does allow: 1 (in branch),

Minnwest Bank

• Does allow: 1, 2,

M&T

• Does allow: 1 (not enforced online ), 2
• Doesn’t allow: 1 (in branch only), 2 (online)

Mountain America Credit Union

• Does allow: 11, 2, 3 (in branch)

MyNorthwest

• Worked in branch: 1,

North Shore Bank

• Doesn’t allow: 1

Northwest Federal Credit Union

• Worked online: 1, 2, 3,
• Worked in branch: 1,

Numerica Credit Union

• Worked: 1, 2,

NuVision Federal Credit Union

• Worked: 1, 

Old National Bank

• Worked online: 1

OneWest Bank

• Opened in branch: 1,

OnPath

• Worked: 1 ($5 donation), 

On Tap Credit Union

• Worked online: 1, 2, 3,

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

• Does allow: 1, 2,

Premier Bank

• Does allow: 1 (in branch and bonus pays out)

Premier America Credit Union

• Does allow: 1,

Redstone Federal Credit Union

• Does allow with Financial Fitness Association membership
• Allows but bonus didn’t post

Regions

• Does allow: 1, 2, 3, 4 (in branch), 5, 6, 7, 8 (in branch)

Republic Bank

• Doesn’t allow: in state but out of footprint and account was opened then closed.

Ridgewood

• Does allow: 1 (in branch)

Salal Credit Union

• Does allow: 1, 

Sandy Spring Bank

• Does allow: 1

Santander

• Does allow: 1, 2 (in branch)

SecurityPlus

• Does allow: 1, 2, 3,

Signature Bank of Georgia

• Doesn’t allow: 1

Stage Point Credit Union

• Doesn’t allow: 1, 2, 3, 

Star One Credit Union

• Does allow: 1, 2,

State Bank of India (California)

• Does allow: 1, 2 (online)

Sun Canyon Bank

• Immediately approves and then denies: 1,

SunTrust

• Does allow: 1, 2,
• Didn’t allow: 1, 2, 3 (online)

Sunward Federal Credit Union

• Does allow: 1,

TBK Bank

• Does allow: 1, 2 (bonus posted)

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,
• Allows: 1,

UCCU

• Doesn’t allow: 1, 

UMB Bank

• Does allow: 1 (online), 2,

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

• Doesn’t allow: 1, 2,

U.S. Bank

• Does allow: 1 (in branch), 2,

US Alliance Financial

• Allows: 1

Valley National Bank

• Allows: 1, 2, 3, 4,

WaterStone Bank

• Doesn’t allow: 1 (online)

WECU

• Doesn’t allow: 1,

Wells Fargo

• Does allow: 1, 2,

Wings Financial Credit Union

• Does allow with donation to charitable foundation: 1,
• Does allow: 1,

Wintrust

• Does allow in branch: 1, 2,

Woori America Bank

• Does allow: 1,

Veridian Credit Union

• Does allow: 1, 2,