Offer at a glance
- Maximum bonus amount: $775
- Availability: CO, IA, IL, KS, and TX
- Direct deposit required: Yes, three totaling $12,000+
- Additional requirements:
- Hard/soft pull: Soft pull
- ChexSystems: Yes, not sensitive
- Credit card funding: None
- Monthly fees: $24
- Early account termination fee: None
- Expiration date: September 26, 2025
Contents
The Offer
- TBK Bank is offering a bonus of up to $775 when you open a new checking account. Bonus is broken down as follows:
- Earn $500. When at least 3 direct deposits totaling a minimum of $12,000 credit to this account within the qualifying bonus period.
- Earn $50. Complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account within the qualifying bonus period.
- Earn $75. When 9 Bill Pay transactions to service providers clear/debit this account within the qualifying bonus period.
- Earn $75. When 50 one time or recurring Point-of-Sale (POS) transactions clear/debit this account within the qualifying bonus period.
- Earn $75. When you indicate that you are a TBK at Work Participant and provide a TBK Bank referral code during the qualifying bonus period.
The Fine Print
- The Promotional Bonus Incentive offer period is June 24, 2025 through September 26, 2025 and may be extended, modified, or discontinued at any time.
- Account may be opened online or in branch to receive this promotional bonus.
- Qualifying bonus period is 120 calendar days following the open date of the account.
- Any qualifying bonus will be credited to the AIM Checking Account on the next business day following the end of the bonus period if account is open and active.
- Limit one of each bonus type.
- Converted accounts are not eligible for bonus.
- Cash bonus payments may result in interest being reported to the IRS.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
This account has a $24 monthly fee. This is waived if you do any of the following:
- Maintain Average Available Balance of at least $5,000
- Total Relationship8 Balance of at least $25,000
- At least $4,000 in total Direct Deposits
Early Account Termination Fee
There is no early account termination fee.
Our Verdict
Nice bonus as it’s so big, might be able to stack with a referral as well for another $75. When that is confirmed we will create a referral thread, please do not share your referrals in the comments below. Meeting the direct deposit requirement will be tough for some, but we will still be adding this to our list of the best checking account bonuses.
Hat tip to reader Celia
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
View Comments (253)
Applied and received the following message - really strange, first time I applied.
"We're unable to continue. You have reached maximum number of allowed application submissions within a 30 day period."
OOS - Minnesota (MN). Applied once with my Transunion frozen. Tried again with it thawed. Tried AGAIN with the freeze totally removed (never had to do that one before). Auto-reject with this message: "We're unable to open this account - We are unable to open an account for you at this time. Detailed information about this decision is linked below. This will further explain our decision."
dang
Requires citizenship or permanent residency.
Any idea when this offer ends?
September 26, 2025. It’s on the webpage in the terms.
After that, it reverts back to the ongoing $275 offer.
Thank you!
I applied on June 30th and got call from CSR on July 3rd asking to email them the documents. As many mentioned they are catching up very slowly mostly because of all manual work.
@2 @6 Per the Account Agreement and Disclosures, there's a $20 fee if the account is closed within the first 90 days
DP:
The online application didn’t work for me — it redirected me to visit a branch. I walked into a local TBK branch and got the account opened in about 15 minutes. The process was simple: filled out a one-page paper application, the banker entered the info into their system, and the account was opened. No ChexSystems pull — my Chex was actually frozen at the time.
The banker proactively mentioned the referral bonus and confirmed it was stackable with the main promotion. I had already registered through a ReferLive link from a fellow DoC member before going, so I was covered on that front. The banker also confirmed that no promo code is needed — all new AIM Checking accounts that meet the requirements are eligible for the bonus, whether opened online or in-branch.
The online application link is a bit hidden: go to the upper right corner of the promo page and click “Open Account.” On the next page, choose “AIM Checking” and proceed with the application from there.
I applied in NC from my mobile phone, with my WiFi off, and was declined because of TransUnion. Everything is unfrozen. Is there a workaround to try?
What mobile browser did you use?
Chrome. And signed up with your referral.
Plenty of browsers to try. Did you try incognito too? If it doesn't like Chrome, give Edge a try just for sh*ts and giggles. On wifi and off, etc.
I just tried Edge on my laptop - declined again. Do I get an EWS or Chex pull each time I apply?
I had an EWS pull when I applied initially but nothing when I submitted my savings application (yet)
Which monitoring service are you using for EWS pulls? I get alerts from MyIDCare for openings, but not pulls.
Good point maybe it was for the opening itself. It happened within a day or two . Same OPM MyIDCare
So I was wrong. The emails always say “Bank Account Opening”, but the alerts on the website list the reason as either “Inquiry” or “Open”.
Thanks for checking and following up!
Sorry, no clue on EWS and Chex. I'm in the small minority of people here who can't even get registered to see my Chex info as their website just forever says they can't verify me. The only time I ever know anything about EWS and/or Chex is if a bank denies me and sends me the info.
Thanks! I’m not sure of another surefire workaround then. Chrome’s usually my go to in these situations. Maybe private browsing could help? Also, make sure you’re not using a VPN.
Have you tried on a computer, or on Wi-Fi? Sometimes these things are counterintuitive, and what works for someone fails for another. We never know what actually causes identity verification to fail.
Yes, it was incognito Chrome without VPN. I'll try Edge on PC on Monday.
Can you apply only in person for this. I'm in Houston and there's no TBK here.
Most of us applied online. I'm from Dallas and there are two branches here, but I'm far too lazy to actually go do it in person and thus even I applied online lol.
I just opened a new account at a branch, it took about 20 mins, just provided ID. Chex frozen.
I'm envious. I also recently opened in branch and it was very easy but took almost an hour. I met with the bank manager who wrote down all my answers/info and then transcribed them into her computer. I was the only non-employee in the branch the whole time I was there and she brought me around to meet the tellers.