[FL & GA] iTHINK Financial $125 Checking Bonus

Offer at a glance

  • Maximum bonus amount:
  • Availability: FL & GA, select counties.
  • Direct deposit required: Yes, $1,000+ required
  • Additional requirements: See below
  • Hard/soft pull: Soft pulln
  • ChexSystems: Unknown
  • Credit card funding: Yes, $500+
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: 12/31/2025

The Offer

Direct link to offer

  • iTHINK Financial is offering a $125 bonus when you open a new checking account and complete the following requirements:
    • Use promo code JOINCU when prompted or show your email at local branch
    • Open a checking account to receive $50
    • Sign up for direct deposit to receive $75 (minimum $1,000)

The Fine Print

  • Promotion is for new, consumer members only. One bonus per member. Membership is required and subject to eligibility and qualifications.
  • $5 minimum deposit required for membership.
  • Minimum credit or risk score may be required to qualify for other services.
  • $50 will be deposited in the new member checking account after the account has been opened and membership/opening requirements confirmed.
  • To qualify for the $75 Direct Deposit Bonus, total direct deposits must total at least $1,000 within 90 calendar days of account opening; bonus will be paid within 60 days of completing the direct deposit terms.
  • Member must be at least 18 years of age.
  • Not to be combined with any other offer.
  • Consult your tax advisor with any questions.
  • Offer subject to change without notice and valid for checking accounts opened through 12/31/2025.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

MyWallet free checking has no monthly fees to worry about. 

Early Account Termination Fee

I wasn’t able to find any EATF in the fee schedule. 

Our Verdict

Nice that you can get $50 of the bonus without a direct deposit just in case work arounds don’t work. As always share your experiences in the comments below. 

Hat tip to reader Kiwi

Useful posts regarding bank bonuses:
    William Charles
  • On August 2, 2025, 12:00
Tags: credit card fundingdirect deposit requiredfl bank bonusesga bank bonusessoft pull

View Comments (41)

  • I was approved and received a welcome letter in the mail. Apparently the account was closed one day after it was opened (so theoretically the same day the welcome letter went out?) due to Chex. There was no communication about this (I check everything constantly) and I only found out because I wanted to see if my real direct deposit posted. Now I'm waiting to get a paper check from HR. iThink you should skip this one.

  • P1 and P2 accounts still look to be open.
    P1 received SM via email on Aug 6 that their account could not be opened due to CHEX history.

    Not sure If we should do any of the deposits to P2's account.

    • Update both accounts closed an hour ago don’t see a refund for initial $500 CC purchase. Hopefully it goes back to the card. Strange as I even got a welcome letter in the mail. Lots of miscommunication from this one.

      • Second update a check with the initial $500 deposit showed up today along with another Chex decline letter.

  • STAY AWAY. What a waste of time. They WILL open your account only to close it a couple days later without notice (lock you out of online banking unable to access your funds) and send you a secure email about your CHEX and DENY you even after opening it and charging (and keeping the $$$$) Now I must wait for them to send me the $$$
    So, all those claiming they were LOL/24 and giddy they "got in" are now receiving their shutdowns.

  • Signed up and approved in Lake County. Eligibility I chose worship, work, or school in Orange County.
    No $50 in account yet. I'm waiting to see it before I go for the $75.

  • P1 and P2 opened in Central FL. Seeing updates about closure a day later so will see what happens...

    • P1 no mesage yet.
      P2 got a secure message but all it said was welcome, here are some helpful links...

    • They just sent me a protected email too but it said they can’t open my account? Nothing there about closing it and the account is already open that’s weird.

  • After being approved yesterday I received an email telling me they closed my account due to Chex.

    • Same, but I still have access to my online account and both checking and savings account appear there. Will probably lose access later on.

      • Did everyone here have high Chex stats? Recent inquires? Really close to branch? There was a question on the app if this will be your main bank account did you all click yes? Trying to figure out if it’s just Chex.

    • Oh no man sorry to hear that that’s concerning then for the rest of us they’re scrutinizing accounts.

  • Unfroze Chex after getting denied for Chex and approved in SFL with very LOL/24 maybe 40-50+? $500 in capital one charge pending it appears you could go quite high on funding did not want to try it. Mobile app is quite clunky

  • can I open at a grow financial location? it looks like they are sharing location? or only at the main branch?

    • No, it would have to be at a Think location. Shared branches aren't really shared - they just have access to each other's accounts.

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