[DE, DC, MD, NJ, PA, & VA Only] Fulton Bank $200 Checking Bonus – Direct Deposit Not Required
Offer at a glance
- Maximum bonus amount: $200
- Availability: DE, MD, NJ, PA, DC & VA only. May need to live in one of the counties
- Direct deposit required: Optional
- Additional requirements: None
- Hard/soft pull: Soft. Make sure to opt out of overdraft protection
- ChexSystems: Yes.
- Credit card funding: Up to $500
- Monthly fees: None
- Early account termination fee: None
- Household limit: One (is enforced)
- Expiration date: None Listed
Contents
The Offer
- Fulton Bank is offering a bonus of $200 when you open a new Simply Checking account and complete either of these requirements:
- Set up a recurring direct deposit totaling $250 or more OR
- Make 15 debit card purchases within 60 days
The Fine Print
- This offer is valid for new consumer checking account customers only that have not had a checking account with any affiliate of Fulton Financial Corporation within the last 12 months.
- Promotion is limited to one cash bonus per person.
- If multiple accounts are opened for the same owner, only the first account will be eligible for the bonus.
- Fulton Financial Corporation employees and immediate family members sharing a household are not eligible.
- May not be combined with any other offer.
- Offer may be withdrawn without notice.
- Customers are responsible for possible tax implications.
- 25 minimum deposit to open a checking account online.
- This offer is valid when you open a new Simply Checking account and complete a minimum of 15 debit card purchases within 60 days after account opening (transactions must be posted to the account within the 60 day timeframe); or, set up recurring direct deposit in the cumulative amount of $250 or more within 60 days after account opening.
- The direct deposit must post to your account within this timeframe and is limited to Social Security, pension, payroll, or unemployment. $200 cash bonus will be credited to your checking account four to six weeks after the conditions above have been met.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Simply checking has no monthly fees to worry about
Early Account Termination Fee
I can find no references to an early account termination fee on their website.
Our Verdict
Previous best bonus was $150. This is an extra $50 for the same requirements. Definitely think this is worth doing if you live in a targeted area, I’ll be adding this to our list of the best checking account bonuses.
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
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Referred to a freind in MD but it seems they only allow Citizens to open account, atleast that is the case online.
Did you get any referral bonus or do you know if Fulton has a referral bonus? Thanks.
Thanks, gave it a shot. Seems easy enough. I had an account at Fulton way back when, from another signup bonus (it was for an ASUS netbook, remember those?) and it was all done in branch. That account’s been closed for years, so I should be good for this one.
Looks like the application requires an in-state zip code to proceed…
If any out of staters succeed, please do share 🙂
CC funding now available up to 500. Debit funding up to 1k.
Did you successfully fund and with what bank’s card?
Paypal Cashback Mastercard by Synchrony, pending. Got an error about a problem initially, might be typo, but probably not. Entered a second time, and it went through.
Looks like they allow credit card funding now. Application notes that it might be treated as a cash advance.
What is the maximum amount you can fund with credit card?
500, couldn’t get mine to go through though. (CIP). Rest of the application is easy though.
It would not let me continue with a Bergen County (NJ) zip code, which is one of the counties not highlighted in the link given above. Looks like it really is in those counties only.
I’m in Cape May County (NJ) and it worked for me.
Is this bank ChexSystems sensitive?
I opened 10+ bank accounts in the last 12 months.
Thank you very much!
No longer sensitive. I got instantly declined last year due to Chex. Opened this time instantly, with 50+ accounts on Chex per Princeton Bank.
1. Chex – Yes, not sensitive online. 50+/18
2. No HP. You can decline overdraft
3. When I applied a couple weeks ago, there was no CC funding so it seems like they just added it? My initial deposit had a hold for two weeks
4. Did their previous bonus before. Bluebird reloads counted as debit card purchases
Here’s a map of their service areas before you apply – https://www.fult.com/aboutus/locations.asp?_ga=2.144954228.1971538249.1580481897-563754382.1579567964
.
What did you use for cc funding? I’m gonna try Amex if I don’t see any DPs
I used Fidelity Visa.
Could you please report back.
It would be great to combine with the latest Delta offer.
The terms on the current promo read one PER PERSON and not one per household. (Household only disqualifies re bank employees).
Any DP on this?
I plan on trying in a few days because it couldn’t hurt to space them out.
I guess it depends how you read it? Is it family or family of the employees? ” Fulton Financial Corporation employees and immediate family members sharing a household are not eligible. “
I asked the Sales Department of the bank and they said it is limited to one per household. It was the case in the earlier promo as well. But, i was able do bypass it last time when i signed up my Wife after i got the bonus (and possibly closed) and also the fact we had different last names.
Just applied and got denied. Called to inquire and was told I needed to unfreeze Equifax for an online application. No overdraft protection. Is that normal?
The credit report needs to be unfrozen so they can do a soft pull and confirm your identity.
Applied and approved on Jan 29 – I live in one of the highlighted counties. Easy bonus, Amazon reloads count as purchases since I did this bonus back in 2018 without DD. You do need to go into a branch to close the account, but not hard for me since there are several branches within a 10 mile radius of me.
Do you recall how long was the timeframe from completing the Amazon reloads until the bonus posted? Terms say 4-6 weeks but your account hasn’t even been open that long.
can i do the whole process online?
Yes
Tried twice to get my brand new SW priority to go thru, no dice. I just requested the CA limit decrease though today (literally took it out of envelope, SM, then app’d fulton, lol). Will try again once it’s verified to be lowered.
It went through finally. Was fraud the first time but they didn’t notify me- later other transactions blocked too. Today tried again- Chase flagged it again and then 2nd attempt immediately after was fine (with fraud alert, but I ok’d it)
Answered my own question. @kas141 said Amazon reloads count as debit card purchases.
Anyone know if there is a minimum amount required for the debit card purchases?
I do not think there is a minimum purchase amount. I did this promotion in 2018. The requirements then were 10 debit card purchases for a $150 bonus. I did ten $0.50 Amazon gift balance reloads. I received the bonus about 3 weeks later.
Same here. Good timing on this too, Fulton is one of a few mortgage providers I’m looking at due to a couple low-income, 1st time homebuyer programs they participate in
A second household member with the same last name successfully opened an account a few days after I did. I’ll report back on whether both bonuses post.
Did it work for 2nd household member?
Have either received a bonus? I want to get a roommate to sign up but don’t want to ruin my bonus. Thanks
DP – Chase Ink Unlimited worked for initial funding
Link does not work. Promo dead?
Link still works for me.
Does anyone know if Venmo counts as a debit card purchase? Showing up for me as “MNY TRF VENMO* XXXX / VENMO* Visa Direct NY xxxxxx REGION 1 POS”
Funded with Chase credit card. it counted as a purchase.
Anyone know how many DDs you need for “reoccuring”? As few as 2? 10 or more? Terms do not state anywhere. I can adjust work DD very easily to be a small amount for several DDs or $250 in one shot.
I didn’t even look into that myself. Funded with my 2% Fidelity Visa, which as far as I can tell was processed as a purchase, so I had $500 in the account earning nothing. So I just used the debit card for snacks & lunches, etc. for a couple days and done. I’ll use remaining funds for a bill pay or something soon
FML denied 4 times (1st day 3x, 2nd day 1x). First two answered verification questions wrong (hard AF), next two were for “velocity” per phone call (too many applications). CSR said online only, cannot go to branch. Website says applications fall off in 30 days. Might apply again after.
Anybody know how many Chex inquiries would this be against me? I can’t pull mine right now. One (from one bank), Two (for two days), or 4 (for 4 applications)?
Based on what a CSR told me, you might not have any Chex inquiries.
My applications were denied 3 times (1st day 2x, 2nd day 1x). First two were denied b/c Equifax was frozen and they couldn’t do an identity check, third b/c of too many applications/fraud prevention. A CSR said my Chex report might not have been pulled for any applications at all since I never got past the identity check stage. I hope that’s true, it would make sense that they wouldn’t pull your Chex report until they know it’s actually you.
That’s pretty funny that we essentially have the same problem (identity/velocity). I guess we won’t know for sure until one of us pull Chex but I can’t do that until the end of this year. Regardless, I will be trying again after 30 days if it’s still available.
My applications should fall off by 2/23, so I’m going to try again after that. I can’t pull my Chex report again until August, so it will be awhile until I know for sure how many hits my report took.
One weird thing with them – I opened a checking account with Fulton in January 2018, but they didn’t pull my Chex report for that one.
I would love to know if you get thru after 30 days. I can’t do it again till March. By the way, were you actually presented any identity questions to answer or was denied just before that stage? Looking closer at the details, our first two applications were denied for different reasons, yours frozen and mine answered incorrectly.
I’ll let you know what happens when I try again. For my first two applications, they asked me questions that were clearly based on some kind of report, because they knew my old address, who has my car loan, etc. They must have pulled from Lexis since all three of my credit reports were still frozen. I was denied after I answered the questions right. With the third application, my credit report was unfrozen but the identity questions were all weird and not based on anything in my past. That app was denied after I answered “none of the above” for every question.
So, my last application was denied on 1/24. I applied today, and it was approved with no problems. Good luck when you try again in March!
Thanks for the update. I still have to wait another two weeks. Hope I don’t get another question wrong or I’m going to have to buy a new keyboard lol.
LOL at the keyboard casualty. That’s not something I normally churn.
To get the verification questions they are soft pulling something… but maybe you will luck out and the Chex pull doesn’t happen until you hit the final submit.
FWIW, I have successfully got multiple Chex inquiries removed, stating they were duplicate or I only requested one account, not 3+ on X day, for example, but occasionally they deny the request. The Chex report request and Chex inquiry removal requests/complaints can all be done online, but you have to wait for the snail mail report to know what you’re complaining about. GL
Appreciate the info. I’m not going to pull Chex until the end of the year since I’m still a “freshman”. I’ll be able to share more concrete DPs then or if I start getting denied earlier because of Chex.
There is no harm in pulling Chex. It’s free once per year, or if you have been denied for an account. Well, not that I suggest lying, but I believe the people at Chex only see the inquires and have no clue if you got denied. I get denied enough that I have no need to lie. I go through my Chex after a denial(s), usually quarterly, semiannual for P2, and then put my DP’s up on DoC. Makes for a great bankmaster snapshot. https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/#comment-939451
Online is for citizens only. Is there any luck getting it in branch or over phone . This is very easy bonus.
CSR told me online only, no branch. Don’t know about phone since my applications were denied already and I can’t apply again for 30 days (read earlier post).
I opened an account last weekend for P3. Initial funding of $500 with our CSP card posted as a purchase.
We were given account and routing numbers right away. Pretty simple process. No problems getting online access. Just waiting for debit card.
Most of the identity questions did not apply to him except the last 2 regarding his car loan.
I did it for NJ and used Jet Blue Business card to fund account and it did NOT post as cash advance
I did call before and lowered my cash advance to $0