Update 1/2/24: Offer expires March 31
Update 10/2/23: Extended until 12/31/23.
8/12/23: Deal is back through 9/30/2023.
Update 6/4/23: Deal is back through 6/30/23
Update 1/29/23: Deal back until 3/31/23
Update 8/6/22/: Deal is back and valid until October 31, 2022. 9/30/22
Update 7/7/21: Starting tomorrow 7/8, the new minimum daily balance of $100.00 on SunNet Checking will be enforced in order to avoid a $7.00 monthly maintenance fee
Deal has ended, view more bank account bonuses by clicking here.
Update 2/18/21: Now says in branch only. Branches are in AZ, MO, NM, KS & CO and TX.
Update 2/16/20: Extended until 03/31/2021. Looks like it might be nationwide except: AK, DE, ME, ND, NH, NY, VT, WV. Hat tip to reader Gadget
Offer at a glance
- Maximum bonus amount: $200
- Availability: In branch only
Kansas: Colby, Dodge City, Ellinwood, Great Bend, Hays, Junction City, Lawrence, Leawood, Liberal, Manhattan, McPherson, Osborne, Overland Park, Russell, Salina, Topeka, Victoria, WichitaColorado: Boulder, Denver, Golden, Greenwood Village, Longmont,
- Direct deposit required: ACH credits totaling $500 or more
- Additional requirements: See below
- Hard/soft pull:Soft pull
- ChexSystems: Yes
- Credit card funding: None
- Monthly fees: None with eStatements
- Early account termination fee: $30, 180 days
- Household limit: None listed
- Expiration date:
September 30th, 2018 December 31st, 2018 June 31st, 2019December 31st, 2019 September 30th, 2020December 31, 2020March 31, 2021
Contents
The Offer
- Sunflower Bank is offering a bonus of $200 when you open a new Convenience checking account and complete the following requirements:
- Have ACH credits, ACH debits, or a combination of both (e.g., Direct Deposit/Electronic Payments) totaling $500 or
- Enroll in eStatements
- Complete 25 debit card transactions
The Fine Print
- Offer valid 1/2/20-3/31/20 and may be canceled without notice.
- $100 minimum balance required to open.
- Offer only available to customers opening their first personal checking account with us at any Sunflower Bank or First National 1870 location.
- Customer will receive a $200 bonus when they open a new personal checking account (Convenience, Spend & Sign & Save, Elite, Superb, Premier), complete 20 or more debit card purchases (pinned, signed, or credit), and have ACH credits, ACH debits, or a combination of both (e.g., Direct Deposit/Electronic Payments) totaling $500 or more that all post to the new account on or before 4/30/20.
- The account must be open as of 5/7/20 and have a positive balance at least one day between 4/1/20-4/30/20 to be eligible for the bonus payment.
- Customer will receive a 1099 INT for bonus payment.
- Qualifying bonus payment will be paid into new checking account by end of business day on 5/8/20.
- Not valid with any other offer.
- First National 1870, a division of Sunflower Bank, N.A.
- 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 no monthly fees as long as you enroll in eStatements
Early Account Termination Fee
$30 if closed within 180 days.
Our Verdict
Looks like any ACH credit will work rather than it having to be payroll or government benefits. Considering it’s a soft pull, if you live in the area this is well worth doing as it’s easy to meet bonus requirements and keep the account fee free. As always please share your experiences & data points in the comments below. I’ll be adding this to the best bank bonuses.
Big thanks to reader, Joshua who let us know. Learn how to find bonuses and contribute to the site here.
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
Post history:
- Update 10/11/20: Deal has been extended until December 31, 2020
- Update 7/6/20: Deal has been extended until September 30th, 2020.
- Update 4/5/20: Deal has been extended until 6/30/20. Sadly still in branch only. Hat tip to reader Hailstate
- Update 3/25/20: Deal is back and valid until March 31st, 2020.
- Update 10/24/19: Deal is back and valid until December 31st, 2019. Hat tip to youngestofallthebuck.
- Update 4/16/19: The below new deal is not location restricted. So should work in any state Sunflower has a branch including: AZ, MO, NM, KS & CO and TX. Hat tip to reader NA.
- Update 4/5/19: Deal is back and valid until July 31st, 2019. Deal now requires 20 debit card transactions and eStatements as well as direct deposits now. Hat tip to reader Tim
- Update 10/07/18: Bonus is back and valid until December 31st, 2018
12/07/2023: Account opened in branch with $125 opening deposit.
01/08/2024: $501 push from Fidelity brokerage account
12/27/2023-1/29/2024: 25 debit card tranactions ranging from $0.49-$1 (Amazon reloads and ChargePoint sessions)
02/02/2024: $200 bonus posts as “NEW CHECKING REWARD”
They pulled Chex, but didn’t mention it at all. They issue you a temporary debit card on the spot, which was useful because it seems my first permanent card was stolen from my mail. It was used on a few fraudulent purchases before they cleaned out the cash I pushed.
Not related to the bonus, but dealing with the dispute process now. Normal purchases were refunded after 11 days, but still waiting on ATM withdrawals and associated fees to be refunded.
Had to keep following up via phone since I was not getting updates any other way, but I did eventually get all transactions and fees refunded by March 20.
paypal payments show up as Debit Card, Withdrawal, Processed, i guess thats fine?
got the 200 reward on to the next.
ok they dont seem to do early direct deposit. zzz
Offer now extended until March 31st. https://www.sunflowerbank.com/personal/current-promotions/new-checking-reward/
I just received a letter saying they were going to close my account after reviewing it. Anyone else experienced this? If a bank account is closed by the bank, but no negative balance or things like that, would it affect the chexsystems record?
It shall not unless they closed your account because of suspected identity theft or banking fraud. I have had accounts closed by banks and credit unions, and there are no such negative records in my report. favo
Good to know! Thank you!
12/22: acct created with 100 funding
Received the $200 bonus yesterday. Amazon reloads met the debit card transaction requirements. However, I referred two people and haven’t received any bonuses for those referrals yet. I’m uncertain whether they didn’t apply, the bank didn’t track it, or if the timeline for the referral bonus is longer. Has anyone else received the referral bonus?
Just got the $200 bonus.
9/21: Opened
9/25: Pushed $501 from Fidelity
9/26: Amazon reload $1*26
11/3: Bonus posted as of 11am CT
Looking for a referral please email me referral with your first and last name: dongzizhuo at gmail dot com
thanks in advance
sent
need a referral my email [email protected] banker needs your name to enter the referral
sent
thank you Dong. Presented to Banker. All set 🙂
sent