Posted by William Charles on March 25, 2020
Bank Account Bonuses

Published on March 25th, 2020 | by William Charles


[KS only] Emprise Bank $200 Checking Bonus – Direct Deposit Not Required

Update 3/25/20: Deal is back and available until 4/14/20

Update 10/8/19: Now confirmed this is a soft pull

Offer at a glance

  • Maximum bonus amount: $200
  • You must reside in Kansas or will be relocating to Kansas within the next 60 days
  • Direct deposit required: No, any automatic payment (ACH) will work
  • Additional requirements: Use promo code and make 12 debit card purchases
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknownsensitive
  • Credit card funding: Can fund up to $100
  • Monthly fees: None
  • Early account termination fee: Unknown
  • Household limit: None listed
  • Expiration date: October 25th, 2019

The Offer

Direct link to offer

  • Emprise Bank is offering a bonus of $200 when you open a new checking account and complete the following requirements:
    • Use promo code EBCASH200
    • Set up and receive one direct deposit or automatic payment (ACH) within 60 days of account opening
    • Use your debit card to make 12 purchases from your new checking account within 60 days of account opening

The Fine Print

  • Offer expires October 25, 2019.
  • This offer is for new personal checking account customers only; you are not eligible for this offer if you were an owner of an Emprise Bank personal checking account within the last 90 days.
    Offer will only be paid once on a new single or joint account.
  • To receive the $200 bonus you must:
    • 1) provide the promo code at the time of account opening;
    • 2) setup and receive one direct deposit or automatic payment (ACH) within 60 days of account opening;
    • 3) use your debit card to make 12 purchases from your new checking account within 60 days of account opening.
  • Once all requirements are met for the bonus, we will deposit the bonus directly into your new personal checking account within 90 days of account opening.
  • The new personal checking account must be open and in good standing up to and including the date the bonus is paid in order to receive the bonus.
  • The bonus will be reported as interest income 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 no monthly fees

Early Account Termination Fee

According to the fee schedule there is no early account termination fees

Our Verdict

Earlier in the year they offered a $100 bonus with the same requirements. Unfortunately they seem to be extremely ChexSystems sensitive so most people won’t be eligible. I’ll still be adding this to our list of the best checking bonuses.

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They are ChexSystems sensitive. I was 13/24 when I applied. After submitting the application, they requested DL and utility bill. After I sent the documents, they sent me the denial email.


P2’s application also got denied. She was 9/12 so evidently you need fewer apps than 9. This is the first bank that has been this sensitive over $100 bonus for me and $200 bonus for P2.


Tried this when it was $100 a few months ago, denied! seem quite Chex Sensitive, maybe 6-8 apps in last 12 months or so


There’s an early termination fee. Their fee schedule says “Closing Fee: $25.00 (applies to all checking & savings accounts if closed within 180 days)”.


Very sensitive denied 4/4


Applied last night, got denied today due to Chex. Probably about 6-8 new bank accounts in past year.


Applied early yesterday, got approval email this morning, and got debit card in the mail today. This is only my fourth account in last 12 months.


How could you get the debit card so fast? My wife applied on Wed Oct 9, got the approval email on the 10th, saying the debit card will arrive in 5-7 business days. Emprise’s HQ is in Wichita, I’m in Topeka, about 120 miles away.


I’m really not sure, but I am in Wichita so I guess that helps!


10/11/19 Opened account online with $100 deposit from a debit card of another bank.
10/17/19 Pushed $500 from Discover Savings. Recorded as scheduled PPD.
10/17/19 to 10/31/19 Made 16 purchases with debit card (12 required).
12/09/19 $200 Bonus received.


This $200 Bonus deal is back, until April 14, 2020. They’re sensitive to Chex system. Got denied because I opened about 12 new accounts in last 12 months. My wife got approved last year because she had only 6.


Applied to this bank today and was declined for Chex sensitivity. Probably opened 7-10 banks this past twelve months so I should have seen it coming. And oh yeah the promotion is back for $200 if you can actually get approved.


Applied and denied on 3/25 with about 6 new accounts in 12 months due to Chex

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