[MA, RI, and NH] Bluestone Bank $400 Checking Bonus

Offer at a glance

• Maximum bonus amount: $400
• Availability: MA, RI, and NH
• Direct deposit required: Yes, $1,000+
• Additional requirements:
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: None, but can fund up to $1,500 with a debit card. 
• Monthly fees: None 
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: Account must be opened by 9/1/25

The Offer

Direct link to offer

• Bluestone Bank is offering a $400 bonus when you open a new checking account and complete the following requirements for for 3 consecutive months—within 6 months of opening your account:
  • Maintain a relationship balance of $5,000 or more
  • Make qualified monthly direct deposits totaling at least $1,000 per month
  • Use your debit card on 5 or more purchases per month

The Fine Print

• Offer valid on new Bluestone Bank consumer checking accounts opened between 7/14/25 and 9/1/25. To earn the promotional $400 bonus, the account holder must complete the following activities within the new checking account for 3 consecutive months within the first 6 months of account opening: Maintain a relationship balance of $5,000 or more within their consumer checking, savings, or money market account(s) where they are considered the account owner as measured at the end of each month, make qualified monthly direct deposit(s) to the new account totaling at least $1,000 per month, and use their debit card for 5 or more purchases per month. If requirements are met, $400 will be deposited into the account after the 3 consecutive month period. The bonus is considered interest and will be reported to the IRS. Offer excludes new Milestone and new business checking accounts; CD balances and business accounts are not included in the $5,000 balance requirement; only one $400 promotional bonus may be earned per person. Offer available to primary account holders residing within MA, RI, and NH.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

There is a free checking account with no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF or not. 

Our Verdict

Account needs to be opened by 9/1 (not apply by, opened by) and it seems like they are denying most online applications so probably only worth it if you plan to apply in branch. 

Hat tip to reader snailrock

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