Posted by Don L on September 8, 2019
Bank Account Bonuses

Published on September 8th, 2019 | by Don L


[Expired] [Targeted AZ, MI, TX] Comerica Bank $200 Mastercard Gift Card Checking Bonus

Deal has expired, view more bank account bonuses by clicking here.

Offer at a glance

  • Maximum bonus amount: $200 MCGC
  • Availability: (Targeted) Select AZ, MI, and TX branch locations [branch locations]
  • Direct deposit required: 3 consecutive payroll deposits of $500 or more within 90 days of account opening
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown (probably not in branch)
  • Monthly fees: $13 (Avoidable/Waiveable)
  • Early account termination fee: ???? (Couldn’t locate)
  • Household limit: None listed
  • Expiration date: October 15, 2019

The Offer

No direct link (targeted mailer with unique offer code)

  • Comerica Bank is offering a $200 Mastercard Gift Card bonus for opening a new Comerica Access Checking Account
    • with a minimum deposit of $50 by October 15, 2019
    • and completing three consecutive direct deposits of $500 or more within 90 days of account opening

The Fine Print

  • This is an exclusive, non-transferable offer (must be intended recipient of direct mail)
  • Cannot currently be an owner of a Comerica Checking account (or an employee of Comerica)
  • Account must be opened in branch
  • Direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security)
  • If required by law bonus will be reported as income to tax authorities
  • Offer subject to change and may be discontinued at any time

Avoiding Fees

Monthly Fee

The $13 Monthly Fee can be waived if any one of the following qualifications is met:

  • $1,000 minimum Ledger Balance each day in account
  • One direct deposit of at least $250 or more per statement cycle
  • Be a full time student up to the age of 26
  • Be a business owner with a Comerica business checking account
  • Be an Active or Retired Member of the U.S. Military
  • Be a member of a Comerica Platinum Circle Checking household and designated by the Account owner as the one Access Checking Account free of monthly maintenance fees

Additional Fees

  • Additional fees may apply for web bill pay – waived first 12 months then $6.95 per month if no direct deposit received
  • Additional fees may apply for Comerica initiated outbound ACH Transfers ($3) [External Transfer Service]

Our Verdict

Three consecutive payroll deposits, a trip in branch, a bonus in gift card form (versus cash deposit), and requirements to keep the account fee free all feel unpleasant.

But if targeted, $200 in value with no hard pull could still be motivating (especially if you’ve already worked your way through the Best Bank Account Bonus List).

Alternative Offers

Update 09/19/2019: Mark received an alternative targeted offer $119 Amazon Gift Card

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frankie creamer
frankie creamer

This company will rip you off, don’t be stupid and open up any accounts with these thieves! They are stealing from disabled people. Including veterans! Do everything in your power to close this bank, and i mean everything for ever until it’s closed!


I received one with a $119 gift card sign up bonus.

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