Update 5/2/26: Deal is back and for up to $850, but requires a savings account now. Valid until September 30, 2026
Update 12/26/25: Deal is back for Alamo Heights banking center area. Code is ‘SANANT’
Offer at a glance
- Maximum bonus amount: $400/$800
- Availability: Offer only available in The Woodlands, Texas
- Direct deposit required: Says ACH
- Additional requirements: See below
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding: None
- Monthly fees: $0-$25, avoidable
- Early account termination fee: Unknown
- Household limit: None
- Expiration date: May 31st, 2025
Contents
The Offer
- Bank of Texas is offering a $400/$800 bonus when you open a new checking account and complete the following requirements:
- To qualify for the $650 bonus:
- Open a Premier Checking account.
- Deposit at least $8,000 in aggregate direct deposits within the first 90 days of account opening. Person to person payments (such as Zelle) and bank to bank transfers do not count as direct deposits.
Premier Checking earns an Annual Percentage Yield (APY) of 0.02%. The APY is effective as of 04/10/2026 and may change after the account is opened. Minimum opening deposit of $50. Fees may reduce earnings.
- To qualify for the $450 bonus:
- Open an Access Checking account.
- Deposit at least $3,000 in aggregate direct deposits within the first 90 days of account opening. Person to person payments (such as Zelle) and bank to bank transfers do not count as direct deposits.
- To qualify for the $200 bonus:
- Open a Personal Savings account.
- Within 30 days of opening your account, deposit at least $10,000 in new funds not currently held at the bank.
- Beginning on day 31 after account opening, the account balance must stay at or above $10,000 until day 90.
- To qualify for the $650 bonus:
The Fine Print
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Premier checking has a $25 monthly fee. For each statement cycle that one of the following requirements of average daily balances are met, you’ll avoid the $25 monthly service fee:
- $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs)
- or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% credit balances (mortgage, HELOC, PLOC, auto loan & personal loan – excludes small business loans). Accounts are not automatically linked. Please notify your banker which accounts should be linked.
Early Account Termination Fee
Wasn’t able to find a fee schedule so unsure if there is any EATF.
Our Verdict
Don’t think the $800 bonus is worth doing as it’s difficult to keep the account fee free and trigger the bonus. $400 bonus may be worth it. It’s also unclear how strict the location restriction is as well.
Hat tip to Bockrr
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
