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.

Contents

3Rivers Federal Credit Union

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

Academy Bank

  • Does allow: 1,

Alden Credit Union

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

Allied First Bank

  • Does allow: 1,

Andigo

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

Andrews Federal Credit Union

  • Does allow: 1,

Arizona Financial Credit Union

  • Denied: 1,

Associated Bank

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

Bank Independent

  • Doesn’t allow: 1,

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

Bethpage Credit Union

  • Doesn’t 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

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

  • 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,

Credit Union 1

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

DCU

  • Does allow: 1

Del Norte Credit Union

  • Doesn’t allow: 1,

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,
  • 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

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,

Flushing Bank

  • Does allow: 1 (in branch)

FNBO

  • Does allow: 1, 2, 3,

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)

HarborOne Bank

  • Doesn’t allow: 1 (ID is checked)

Huntington Bank

  • Does allow: 1, 2, 3, 4, 5,
  • 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

  • Does allow: 1, 2, 3,

Midland Credit Union

  • Does allow: 1, 2,

Middlesex Savings Bank

  • Does allow: 1 (in branch)

MidWestOne Bank

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

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,

Old National Bank

  • Worked online: 1

OneWest Bank

  • Opened in branch: 1,

OnTap 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

Regions

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

Ridgewood

  • Does allow: 1 (in branch)

Sandy Spring Bank

  • Does allow: 1

Santander

  • Does allow: 1,

SecurityPlus

  • Does allow: 1, 2, 3,

Signature Bank of Georgia

  • Doesn’t allow: 1

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,

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,
    William Charles
  • On August 30, 2024, 07:00

View Comments (326)

  • Opened a Christian Community Credit Union account Out of State (OOS) without any issue online. As for eligibility, Christian Alliance for Orphans (CAFO) was offered for free as part of the application. They do pull Chex, but no hard pull, with a $200 checking/savings bonus offer that has easy requirements, plus a stackable $50 referral Visa GC.

    DP: https://www.doctorofcredit.com/must-be-a-member-of-a-christian-ministry-christian-community-credit-union-100-checking-100-savings/#comment-2006434

    Unlike the link post title & URL indicate, there is no requirement to be a member of a Christian ministry.

  • Associated Bank personal checking worked online as with an existing personal CC and login; biz checking did not with existing personal accounts and login. Not sure about biz login

  • Attempted an online opening of a money market account at First Service Bank in Arkansas. System stops with OOS address. Must be an Arkansas resident. Spoke with a CSR who acknowledged that this has not always been the case.

    • Do you mean that it was addressed to someone else in your household or that it was addressed to a completely different household?

      If the former, you are good to go. If the latter, according to a rep that I spoke with months ago, you won't qualify for the bonus.

      • Got the mailer code online auction, and was told it isn't addressed to anyone actually. So I guess we'll see. Do you have more DPs regarding this?

        • What I wrote is not a DP. I was simply telling you what a Citizens rep told me. The rep told me that the system checks the address in the mailer against the sign up address when it's time to pay out the bonus so the name doesn't matter.

  • Approved OOS (MA, online):

    Valley National Bank (Valley Direct, savings)
    US Bank (existing customer)
    Guilford Savings Bank
    Bask Bank
    EECU (TX) (had to appeal)
    Tower Federal CU (2023)
    Bank of Missouri (2023)
    Star One CU (2022)
    Fairwinds CU (2022)
    Midland States Bank (2023)
    FNBO (2022; existing CC customer)
    Dow Credit Union (2022; interrogated)

    Denied OOS (MA, online):

    Credit Union 1 (2023; said Chex)
    Bethpage CU (2023; said Chex)
    Ent CU (2023; initially opened, then locked)
    Five Star Bank (2022; initially opened, then restricted for sketchy reason)

    • I just looked up your DP on FNBO. When I looked at the checking promo in 2022, I didn't think it would work. I literally just closed my FNBO CC last week too.

      • I mean... is your login still functional? My personal CC from then is still open, but the checking & savings accounts still haven't disappeared from the main page, from when I closed them a year and a half ago, if that's indicative of whether you could sit on it until the next bonus

        • Actually, yes, it is still functional. My card had been sock-drawered for so long I didn't realize FNBO Direct is now FNBO... Hopefully they come back with another checking offer someday and I will consider trying it.

  • ACNB has a zip code checker that's force-applied to your address, so no go out-of-footprint online.

  • Just opened First Horizon in Southwest Florida area branch two days ago. First branch told me will call back since she was not sure but never called back 👀.

    Went to a second branch and explained some reasons why intersted in a bank that not serves in area. A banker looked at my chex inquiries and asked me to confirm that i really banked with them.

    Back in Aug while travelling in NYC, Santander and M&T did not allow me to open. M&Ts there in Manhatton were so rude 🙄

    • I had the exact opposite experience in NYC in May while travelling for work, both Santander and M&T allowed me to open, reps were very nice.

  • Based on older comments, it seems like a bad idea to use an in-state address and proof of address as it might end up on Chex or EWS reports and look suspicious if you have many addresses.

    Therefore, the rule of thumb would be to always use your one and only residential address when applying for OOS bonuses…

    Can anyone confirm or add to this please ?

    Cheers churning buddies !

    • I am certain there are valid excuses for having two addresses... like OOS college students, vacation home, military, etc.

      If you can sell it to a banker, go for it. When something doesn't match, they traditionally ask for a Utility Bill and ID/DL. Less auto-approvals would occur.

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