Posted by William Charles on April 13, 2019
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Published on April 13th, 2019 | by William Charles


[Expired] [Clifton, NJ Branch only] Lakeland Bank $300 Checking Bonus – Direct Deposit Not Required

Deal has expired, view more bank account bonuses by clicking here.

Offer at a glance

  • Maximum bonus amount: $300
  • Availability:Clifton, NJ branch only. (11 Ackerman Avenue, Clifton, NJ 07011)
  • Direct deposit required: Optional
  • dditional requirements: Use promo code CLIFTONDG
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes, not sensitive
  • Credit card funding: None
  • Monthly fees: $6 avoidable
  • Early account termination fee: $200, six months
  • Household limit: One
  • Expiration date: June 28th, 2019

The Offer

Direct link to offer

  • Lakeland Bank is offering a bonus of $300 when you open  any personal checking account and complete the following requirements:
    • Use promo code CLIFTONDG at Clifton Branch in NJ
    • Complete one of the following requirements:
      • Receive direct deposits totaling $500 or more within 45 days of account opening
      • Make 6 debit card purchases that post to your account within 45 days of account opening

The Fine Print

  • For qualifying checking accounts opened under this Promotion, customers have the opportunity to earn the $300 bonus as follows: 1) Offer valid on new consumer checking accounts opened at the Clifton office only through June 28, 2019. Excludes Renewal Checking. Not available to existing Lakeland Bank checking account customers or those whose accounts have been closed in good standing within 12 months, or closed with a negative balance at any time. Offer not available for account conversions.
  • Offer limited to one (1) $300 cash bonus, per individual taxpayer identification number; requires qualifying direct deposit(s) totaling $500.00 or more into account within 45 days of account opening. A qualifying direct deposit is a deposit of a paycheck, pension or other regular monthly income (including Social Security) electronically deposited into account per statement cycle. Personal transfers or deposits made at a branch, online or ATM do not qualify. Lakeland Bank will fulfill bonus within 45 days of qualification. The value of the bonus will be reported to the IRS on form 1099-INT.
  • If the account is closed within six (6) months of account opening and the cash bonus was received, the value of the cash bonus will be deducted from the account.
  • Offer may be withdrawn or changed at any time without notice. 2) Or complete a minimum of six (6) debit card purchases that must post to the account within the first 45 days of account opening (not including ATM transactions).
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Classic checking is the easiest account to keep fee free. There is a $6 monthly fee that is waived with an average daily balance of $250.

Early Account Termination Fee

I wasn’t able to find a fee schedule so I’m unsure if there is any early account termination fee

Our Verdict

Better than the $200 Amazon gift card bonus they have offered before, downside is that this account needs to be open in branch. We weirdly still don’t know if this is a hard or soft pull to open. If it’s a soft pull we will be adding this to our highly location specific bank account bonus section.

Hat tip to reader Logan

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I’ll attempt this in the next week or so and post details.


I’ll do the same on Saturday so hopefully one of us can provide more information. 🙂


Sounds good. Maybe I’ll see you there if we go the same day lol


“dditional requirements: Use promo code AMAZON” should probably be “Additional requirements: Use promo code CLIFTONDG”

Paul S. Kim
Paul S. Kim

Can I open this account with a NY license?


Do you have to reside near Clifton?
I stay in Princeton, would I be eligible? Can someone who visits next week please reply 🙂


I’m from the Brunswick area, no issues. They just asked isn’t this far


Opened with a CT (Hartford County) license without issue. Banker said it does not affect your credit rating, so soft pull.


Nice. I’ll be heading there this weekend to open the account.


Just opened the classic, took about 10 mins in and out.

Doesn’t seem to be Chex Sensitive. Account must be open for 6 months.
Monthly fee is waived for one year.
Instant permanent debit card.

No issues.


William Charles DP so you can add to best bank bonus page
1. Chex – Yes, not sensitive. 20+ / 9 months.
2. No hard pull
3. Additional $10 bonus for signing up for paperless statement (good until 5/1)
4. Instant issue debit card
5. Waived monthly fees for 12 months on both Elite and classic checking accounts
6. Starter checks included; checks for a fee
7. Overdraft can be declined
8. Doesn’t seem to have a restriction for footprint service area. I live 15 minutes away. YMMV
9. Bonus – either direct deposit or debit card purchases. No minimum requirements for the debit card purchases so easiest route to get bonus
10. You get a confirmation printout of the bonus terms and conditions
11. No CC funding in branch
12. Online / mobile banking account is not instant. Have to wait for login credentials in 1-2 business days
13. Took about 10 minutes overall to get account opened. Painless


opened two accounts yesterday (self and GF) and they had some system glitches, where our accounts weren’t activating properly. It ended up taking about 2 hours for the 2 of us, and we still need to call in to activate her debit card on Monday.

She’s from out of state (FL) as a student but she was able to open one. Not as smooth as I’d like, but still a great deal- easy $300!


need $50+ to open, either cash or check

otherwise the ATM outside charges $3.50

do not ask me how I know it


Went in with my brother and we both opened accounts on Saturday.

– Requires a minimum $50 to open
– Checking account fees are waived for 12 months
– 10 dollar bonus for enrolling in e-statements
– Use the debit card 6 times or DD for the bonus

Hopefully it pays out quickly.


DP –
4/19 – Opened in branch
4/22 – 6 $0.50 Amazon reloads
4/30 – $300 Clifton Promo

Wow. That was fast. I should also be getting another $10 e-statement credit (probably in a few days or so since the promotion is through May 1st).


Just opened in branch. In and out 15 min.


Household limit = 1 it says does that mean if both spouses (same address in DL) are opening new accounts they both cant get bonuses ?


Opened 2 accounts for my wife and I in 30 minutes. No stress.


I logged in and turns out I received the bonus pretty quickly. I signed up on 4/22, quickly made six debit card transactions which ranged from .99 – 13.97 and the bonus was credited on 4/30.

In branch they told me it would be 45 days after the requirements were met so this is a pleasant surprise for sure.

Thanks, Lakeland!

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