Posted by William Charles on February 2, 2020
Bank Account Bonuses

Published on February 2nd, 2020 | by William Charles

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[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

The Offer

Direct link to 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  • Offer may be withdrawn without notice.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:



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SA
SA

Referred to a freind in MD but it seems they only allow Citizens to open account, atleast that is the case online.

Ken Dano
Ken Dano

Did you get any referral bonus or do you know if Fulton has a referral bonus? Thanks.

BG
BG

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.

Jim
Jim

Looks like the application requires an in-state zip code to proceed…

If any out of staters succeed, please do share 🙂

bax
bax

CC funding now available up to 500. Debit funding up to 1k.

MTPDC
MTPDC

Did you successfully fund and with what bank’s card?

bax
bax

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.

Anthony
Anthony

Looks like they allow credit card funding now. Application notes that it might be treated as a cash advance.

Joe
Joe

What is the maximum amount you can fund with credit card?

CericRushmore
CericRushmore

500, couldn’t get mine to go through though. (CIP). Rest of the application is easy though.

Helixcon
Helixcon

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.

MICHAEL P CORCORAN
MICHAEL P CORCORAN

I’m in Cape May County (NJ) and it worked for me.

Joe
Joe

Is this bank ChexSystems sensitive?
I opened 10+ bank accounts in the last 12 months.
Thank you very much!

bax
bax

No longer sensitive. I got instantly declined last year due to Chex. Opened this time instantly, with 50+ accounts on Chex per Princeton Bank.

IS250
IS250

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

Aron
Aron

.

Joe
Joe

What did you use for cc funding? I’m gonna try Amex if I don’t see any DPs

Hodor
Hodor

I used Fidelity Visa.

aquac
aquac

Could you please report back.
It would be great to combine with the latest Delta offer.

Aron
Aron

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?

Avi
Avi

I plan on trying in a few days because it couldn’t hurt to space them out.

joe
joe

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. “

NBG
NBG

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.

Tom
Tom

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?

Hodor
Hodor

The credit report needs to be unfrozen so they can do a soft pull and confirm your identity.

kas141
kas141

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.

simplicity
simplicity

can i do the whole process online?

Drew
Drew

Yes

dizzy

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.

dizzy

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)

Ken Dano
Ken Dano

Answered my own question. @kas141 said Amazon reloads count as debit card purchases.

Andy
Andy

Anyone know if there is a minimum amount required for the debit card purchases?

Drew
Drew

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.

dizzy

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

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