Quick Summary: When Will My Bank Bonus Post?

This post is an organization of bank bonus posting data points.

(HT: Huge thanks to the DoC and r/churning communities for the data points. Please consider sharing your data points if you find this resource page helpful.)

Synchronize Swatches (via Tublr)

Short Intro

DoC offers a number of valuable bank resources pages:

all linked together in one big spreadsheet Bank Account Quick Reference Table.

In that tradition, this post attempts to collect and summarize data points around the often asked question – when will my bank bonus post?

Contents

1 Why Might This Be a Valuable Metric?
2 A Few Quick Notes on Post Organization
- 2.1 Sections
- 2.2 Time Estimates
- 2.3 Data Points
3 Andigo CU
- 3.1 Andigo CU (Terms)
- 3.2 Andigo CU (Data Points)
4 Associated Bank
- 4.1 Associated Bank (Terms)
- 4.2 Associated Bank (Data Points)
5 Bank of America
- 5.1 Bank of America (Terms)
- 5.2 Bank of America (Data Points)
6 Bank of Colorado
- 6.1 Bank of Colorado (Terms)
- 6.2 Bank of Colorado (Data Points)
7 Bank of Texas
- 7.1 Bank of Texas (Terms)
- 7.2 Bank of Texas (Data Points)
8 Bank of the West
- 8.1 Bank of the West (Terms)
- 8.2 Bank of the West (Data Points)
9 BB&T
- 9.1 BB&T (Terms)
- 9.2 BB&T (Data Points)
10 BBVA
- 10.1 BBVA Compass (Terms)
- 10.2 BBVA Compass (Data Points)
11 BMI Federal Credit Union
- 11.1 BMI (Terms)
- 11.2 BMI (Data Points)
12 BMO
- 12.1 BMO (Terms)
- 12.2 BMO (Data Points)
13 Bridgeview Bank
- 13.1 Bridgeview Bank (Terms)
- 13.2 Bridgeview Bank (Data Points)
14 Capital Bank
- 14.1 Capital Bank (Terms)
- 14.2 Capital Bank (Data Points)
15 Capital One 360
- 15.1 Capital One 360 (Terms)
- 15.2 Capital One 360 (Data Points)
16 Centennial Bank and Trust
- 16.1 Centennial Bank and Trust (Terms)
- 16.2 Centennial Bank and Trust (Data Points)
17 Charles Schwab
- 17.1 Charles Schwab (Terms)
- 17.2 Charles Schwab (Data Points)
18 Chase
- 18.1 Chase (Terms)
- 18.2 Chase (Data Points)
  - 18.2.1 Chase Business
19 Citibank
- 19.1 Citibank (Terms)
- 19.2 Citibank (Data Points)
20 Citizens Bank
- 20.1 Citizens Bank (Terms)
- 20.2 Citizens Bank (Data Points)
21 Colorado State Bank and Trust
- 21.1 Colorado State Bank and Trust (Terms)
- 21.2 Colorado State Bank and Trust (Data Points)
22 Columbia Bank
- 22.1 Columbia Bank (Terms)
- 22.2 Columbia Bank (Data Points)
23 Dollar Bank
- 23.1 Dollar Bank (Terms)
- 23.2 Dollar Bank (Data Points)
24 East Boston Savings Bank
- 24.1 East Boston Savings Bank (Terms)
- 24.2 East Boston Savings Bank (Data Points)
25 Elements Financial
- 25.1 Elements Financial (Terms)
- 25.2 Elements Financial (Data Points)
26 Fifth Third
- 26.1 Fifth Third (Terms)
- 26.2 Fifth Third (Data Points)
27 First Merchants Bank
- 27.1 First Merchants Bank (Terms)
- 27.2 First Merchants Bank (Data Points)
28 First National Bank
- 28.1 First National Bank (Terms)
- 28.2 First National Bank (Data Points)
29 First Tennessee
- 29.1 First Tennessee (Terms)
- 29.2 First Tennessee (Data Points)
30 Fulton Bank
- 30.1 Fulton Bank (Terms)
- 30.2 Fulton Bank (Data Points)
31 Harbor One
- 31.1 Harbor One (Terms)
- 31.2 Harbor One (Data Points)
32 HSBC
- 32.1 HSBC (Terms)
- 32.2 HSBC (Data Points)
33 Huntington
- 33.1 Huntington (Terms)
- 33.2 Huntington (Data Points)
  - 33.2.1 Personal
  - 33.2.2 Business
34 KeyBank
- 34.1 KeyBank (Terms)
- 34.2 KeyBank (Data Points)
35 Kinderhook
- 35.1 Kinderhook (Terms)
- 35.2 Kinderhook (Data Points)
36 M&T
- 36.1 M&T (Terms)
- 36.2 M&T (Data Points)
37 Mountain America Credit Union
- 37.1 Mountain America Credit Union (Terms)
- 37.2 Mountain America Credit Union (Data Points)
38 My Banking Direct
- 38.1 My Banking Direct (Terms)
- 38.2 My Banking Direct (Data Points)
39 Northwest Savings Bank
- 39.1 Northwest Savings Bank (Terms)
- 39.2 Northwest Savings Bank (Data Points)
40 Old National Bank
- 40.1 Old National Bank (Terms)
- 40.2 Old National Bank (Data Points)
41 Orange County Credit Union
- 41.1 Orange County Credit Union (Terms)
- 41.2 Orange County Credit Union (Data Points)
42 PeoplesBank
- 42.1 PeoplesBank (Terms)
- 42.2 PeoplesBank (Data Points)
43 People’s United Bank
- 43.1 People’s United Bank (Terms)
- 43.2 People’s United Bank (Data Points)
44 PNC
- 44.1 PNC (Terms)
- 44.2 PNC (Data Points)
45 Popular Community Bank
- 45.1 Popular Community Bank (Terms)
- 45.2 Popular Community Bank (Data Points)
46 Regions
- 46.1 Regions (Terms)
- 46.2 Regions (Data Points)
47 Santander
- 47.1 Santander (Terms)
- 47.2 Santander (Data Points)
48 Seacoast Bank
- 48.1 Seacoast Bank (Terms)
- 48.2 Seacoast Bank (Data Points)
49 Signature Bank of Georgia
- 49.1 Signature Bank of Georgia (Terms)
- 49.2 Signature Bank of Georgia (Data Points)
50 SunTrust
- 50.1 Suntrust (Terms)
- 50.2 Suntrust (Data Points)
51 TCF Bank
- 51.1 TCF Bank (Terms)
- 51.2 TCF Bank (Data Points)
52 TD Bank
- 52.1 TD Bank (Terms)
- 52.2 TD Bank (Data Points)
53 Tech CU
- 53.1 Tech CU (Terms)
- 53.2 Tech CU (Data Points)
54 Thrivent Federal Credit Union
- 54.1 Thrivent Federal Credit Union (Terms)
- 54.2 Thrivent Federal Credit Union (Data Points)
55 TIAA Direct
- 55.1 TIAA Direct (Terms)
- 55.2 TIAA Direct (Data Points)
56 TruWest Credit Union
- 56.1 TruWest Credit Union (Terms)
- 56.2 TruWest Credit Union (Data Points)
57 Union Bank and Trust
- 57.1 Union Bank and Trust (Terms)
- 57.2 Union Bank and Trust (Data Points)
58 US Bank
- 58.1 US Bank (Terms)
- 58.2 US Bank (Data Points)
59 Wells Fargo
- 59.1 Wells Fargo (Terms)
- 59.2 Wells Fargo (Data Points)

Why Might This Be a Valuable Metric?

It’s a potential indicator that something has gone wrong
- If the bonus hasn’t posted in the expected time frame, you may have missed a requirement or your triggering method(s) has failed. Time may still be left to correct course [of course, at this point we don’t call the bank].
It’s an interesting component of bank bonus valuation
- The quicker the bonus posts the better (time value of money). You may be able to take your bonus and potentially any minimum required deposit and invest it elsewhere [of course, practicing good bank bonus stewardship].

A Few Quick Notes on Post Organization

Sections

Each bank (financial institution) has two sections below:

one with the reported Terms, and
one with reported Data Points.

Time Estimates

Time Estimates: [Days], [Weeks], [Months] are provided in the DP Section.

[1], [2], … numbers following indicate about how many days, weeks, or months
(01/23), (02/03), … are the reported posting dates
? indicates a guess that more data points may revise
- For instance, a monthly batch post could look like days, weeks, or even about a month depending on when you catch it.

Data Points

Experimenting with a new data point labeling format (vs. the traditional DoC superscripts^{1,2,3, …} ), string broken down as:
- (Date) Date Reported: YYYYMM
- (Source) ‘doc’ (DoC), ‘red’ (reddit r/churning)
- (User) First Three Characters of UserID
Summarized time frames are relative – length of time from when bonus requirements are met to when the bonus posts
- Not taking into account other factors (like account opening times)

Bank Bonus Posting Data Points

Andigo CU

Andigo CU (Terms)

90 Days – Post Link

Andigo CU (Data Points)

201712redCHU

Associated Bank

Associated Bank (Terms)

Don’t See It – Post Link

Associated Bank (Data Points)

[Days]

201601docADA [6],
201609docDAB [2], 
201612docCUR [6], 
201702redTEX [2], 
201702redEGG [2],
201702redALX [<=7],
201705docZAN [14],
201708redMOO [2],
201712redTax [Days]

Bank of America

Bank of America (Terms)

60 Days – Post Link

Bank of America (Data Points)

[Weeks] [2-3+]

201704docCHA (04/21) [18], 
201707docBRA (07/19) [13], 
201707redPER (07/19) [13],
201707docGRE (07/28) [15], 
201708redMWP (08/10) [23], 
201708redPRU (07/28) [15], 
201708redDRM (08/19) [13],
201709docANG (08/29) [19], 
201709docLAG (09/08) [9],
201801redALQ (01/06) [9],
201801redART (01/06) [19]

Bank of Colorado

Bank of Colorado (Terms)

90 Days – Post Link

Bank of Colorado (Data Points)

[Months] [3+]

201706redPOL, 
201706redOST, 
201706redRYA

Bank of Texas

Bank of Texas (Terms)

Within 10 Days – Post Link

Bank of Texas (Data Points)

[Days?]

201707redAZM

Bank of the West

Bank of the West (Terms)

Specific Date – Post Link

Bank of the West (Data Points)

[Months] [3?] [Big range of DPs]

201702redOUT, 
201707redDP_, 
201707red_HE, 
201707redSUD, 
201708redJEY, 
201709redTEX,
201711redKIL,
201711redBLI,

BB&T

BB&T (Terms)

4 Weeks? – Post Link

BB&T (Data Points)

[Months?]

201710docDON (04/10) [2+],
201905docRAE [3+],
202004docMIK [2+]

BBVA

BBVA Compass (Terms)

Don’t See It – Post Link

BBVA Compass (Data Points)

[Days?]

201708docKG_ [10], 
201708docT__ (08/15) [8],
201708redSUL (08/15) [4],
201708docJUI (08/28) [6],
201709docBIL (08/28) [13],
201711redSWE (08/15) [],
201712redDES (12/04) [8],
201712redPWI (12/04) [15],
201712redSUL (12/13) [14],
201712redKYM (12/13) [14] 
201905docRAE [69, 101]

BMI Federal Credit Union

BMI (Terms)

10 days of completing requirements – post link

BMI (Data Points)

[Days]

201905docRAE [1]

BMO

BMO (Terms)

120 Days – Post Link

BMO (Data Points)

[Months] [2?] [Mixed DPs]

201705docBMA (05/23), 
201706docLUK (06/20), 
201706docFRE (06/20), 
201706docFIN (06/20), 
201706redVIV (06/20), 
201707redMAR (06/20),
201707redKHO (06/20),
201707redVEN [2],  
201707redRED, 
201707redNOT,
201712docCAL,  

Number of DPs of it running over 120 days sample:  
201708redXIA, 
201708redDIS, 
201708redSCR, 
201708redNOC,
201709docDAV [156d]

Bridgeview Bank

Bridgeview Bank (Terms)

First Complete Statement Cycle – Post Link

Bridgeview Bank (Data Points)

[Days?]

20171205docADA [4]

Capital Bank

Capital Bank (Terms)

within 60 days of account opening.

Capital Bank (Data Points)

201812docJEN [Days]
201908docMIK [Weeks]

Capital One 360

Capital One 360 (Terms)

10 Weeks – Post Link

Capital One 360 (Data Points)

[Days] to [Weeks] (Weekly or Bi-Weekly Batch Post? [Not Sure of Exact Rule])

201702redYT- [6], 
201702redCOO [2], 
201702redDEM [Days], 
201702redNSV [3], 
201702redTHA [Few Days],
201706docJAY (06/22) [4], 
201707docOTI (07/07) [18], 
201707docCRY (07/07) [3], 
201707redGWY (07/07) [3], 
201707redBOK (07/07) [16],
201707redWRA (07/07) [5],  
201707docANA (07/20) [11],
201707redBLI (08/01) [5], 
201707redDRI (08/01), 
201708docYAT (08/01) [8],
201708docKYL (08/08) [14], 
201708docKAZ (08/08) [6], 
201708docTYL (08/08) [14], 
201708docMIK (08/08) [13], 
201708docBOB (08/08) [6],
201708redSLA (08/08) [7],
201708docSME (08/16) [8], 
201708docJOS (08/16) [2]

Centennial Bank and Trust

Centennial Bank and Trust (Terms)

Centennial Bank and Trust (Data Points)

[Days?]

201702redCAL [2]

Charles Schwab

Charles Schwab (Terms)

Don’t See It – Post Link

Charles Schwab (Data Points)

[Mixed DPs]

201702redVEN, 
201702redHES,
201711redDAB,

Chase

Chase (Terms)

201403docDOC - within 10 business days of completing requirements

Chase (Data Points)

[Weeks] (1-2)

201403docDOC - The first Tuesday after completing requirements
201905docMIK

Chase Business

[Months] (2)

201707redCHU

Citibank

Citibank (Terms)

90 Days – Post Link

Citibank (Data Points)

[Months] (3)

201707docRS_,

Some DPs of challenge getting bonus posted: 201702redRAG, 201702redTUR, 201702redYT-, 201702redAND

Citizens Bank

Citizens Bank (Terms)

90 Days – Post Link

Citizens Bank (Data Points)

[Months?] (2)

201702docBMA [2], 
201704docBOB (04/19) [2], 
201706docBEN (06/29) [2], 
201709docJAY (04/13) [2],
201710docBIL [2]

Colorado State Bank and Trust

Colorado State Bank and Trust (Terms)

10 Days – Post Link

Colorado State Bank and Trust (Data Points)

[Days?]

201708redDP_ [1]

Columbia Bank

Columbia Bank (Terms)

60 Days – Post Link

Columbia Bank (Data Points)

[Days] to [Months] [1] [Looks to be batch job on last day of month]

201708docDAV (07/31), 
201708docBOB (07/31), 
201709docPAT (08/31)

Dollar Bank

Dollar Bank (Terms)

14 Days after Requirements Met – Post Link

Dollar Bank (Data Points)

[Days?]

201910docRAE - [1]

East Boston Savings Bank

East Boston Savings Bank (Terms)

60 Days – Post Link

East Boston Savings Bank (Data Points)

[Days?]

20107redFIN

Elements Financial

Elements Financial (Terms)

Don’t See It – Post Link

Elements Financial (Data Points)

~~[Days]~~ [May now be months – DP]

201706docKEL [3], 
201706docLUK [1], 
201706docYOS [5], 
201707docMAN [3], 
201707docKEV [9], 
201707docAND [7], 
201707docGRE [3],
201708redTAN [Few Days],
201806docBIG [5]

Fifth Third

Fifth Third (Terms)

10 Business Days – Post Link

Fifth Third (Data Points)

[Days] to [Week] [2] [Maybe weekly batch job?]

201508docROS (08/14) [1], 
201608docVAS (08/29) [4], 
201702redSIM [~7], 
201702redYT- [2,9], 
201707redULG [Few Days],
201703docRYA (02/28) [1],
201704docGRA (04/03) [1], 
201704docOZZ (04/03) [4], 
201705docCHA (05/04) [10], 
201706docJAK (06/07) [8], 
201707docMKB (07/03) [4], 
201707docBRI (07/10) [8], 
201708docKG_ (08/11) [2],  
201708docHL_ (08/14) [4], 
201708docGM_ [5], 
201709docJAT (09/08) [2]

First Merchants Bank

First Merchants Bank (Terms)

Up to 8 weeks after qualifications met – Post Link

First Merchants Bank (Data Points)

[Months] [2]

201906docRAE [2]

First National Bank

First National Bank (Terms)

90 days from account opening + 1 business day – Post Link

First National Bank (Data Points)

[Months?] [3]

201710docDON [3]

First Tennessee

First Tennessee (Terms)

6 Weeks – Post Link

First Tennessee (Data Points)

[Days] to [Months] [1] (At Monthly Statement Close?)

201601docBO_ (01/31) [24],
201601docBOB (01/31) [?],
201602docDAV (01/29) [15],
201603docWHI (03/04) [34],
201612docSIR (?) [15],
201702docDAN (01/26) [14],
201703docM__ (03/30) [4],
201703docCHR (03/30) [2], 
201704docBEN (03/03) [3], 
201705docDUD (05/01) [7], 
201705docDK_ (05/01) [8], 
201705docCHA (05/01) [?],
201705docTOD (05/01) [6],
201705docZAC (05/02) [16],
201705docBLA (05/25) [18],
201705docGRE (05/25) [?],
201706docPHI (06/29) [8],
201707docSG_ (07/27) [18],
201707docCAR (07/27) [8],
201707docJAS (07/27) [22],
201707docDAN (07/27) [16], 
201708docJUS (?) [15]

Fulton Bank

Fulton Bank (Terms)

4-6 weeks after meeting requirements – Post Link

Fulton Bank (Data Points)

[Months?] [1?]

201710docDON (09/01) [1]

Harbor One

Harbor One (Terms)

80 Days – Post Link

Harbor One (Data Points)

[Months] [2]

201706docJOE

HSBC

HSBC (Terms)

8 Weeks – Post Link

HSBC (Data Points)

[Months] [1-2]

201702redYT- [1], 
201707redBUB [2],
201710docTLD (02/01) [3]
202005docMIK
202005docJIM
202101docJUS (second statement)

Huntington

Huntington (Terms)

14 Days – Post Link

Huntington (Data Points)

Personal

[Days] to [Weeks] [1]

201702redSIM [~7], 
201703docTAD (03/07) [8], 
201703docJOS (03/21) [6], 
201704docBEN (04/11) [9],
201707docMAD (06/27) [7], 
201707docJAK (07/11) [9], 
201707redIMA [Days], 
201708redBLI (08/08) [7],
201807docBIG (06/27) [Longer]

Business

[Days] to [Weeks] [2]

201701docTIM (01/10) [7],
201707redMWP (07/25) [5]

KeyBank

KeyBank (Terms)

90 Days – Post Link

KeyBank (Data Points)

[Weeks] [1?] to [Months] [1] [Not sure of the exact pattern]

201610docJOE (10/07),
201611docRIC (11/28),
201701docMEN (01/04),
201701docKF_ (01/04), 
201701docAND (01/04), 
201701docGMO (01/04), 
201701docTIM (01/25), 
201702docTYL (02/23), 
201702docJAD (02/24), 
201705docJOS (05/03), 
201705docNIC (05/03), 
201705docATU (05/30),
201705redTRE (05/31), 
201709docJEF (09/06),
201710docBIL

Kinderhook

Kinderhook (Terms)

Don’t See It – Post Link

Kinderhook (Data Points)

[Weeks?] [3]

20107redSPA

M&T

M&T (Terms)

90 Days – Post Link

M&T (Data Points)

[Days] [1] (Generally) to [Weeks] (2)

A lot of DoC DPs.

Mountain America Credit Union

Mountain America Credit Union (Terms)

Within 30 days – Post Link

Mountain America Credit Union (Data Points)

[Days?]

201710docTLD [6]

My Banking Direct

My Banking Direct (Terms)

Within 10 business days of requirements – Post Link

My Banking Direct (Data Points)

[Days?]

201710docTLD (02/07) [5]

Northwest Savings Bank

Northwest Savings Bank (Terms)

14 Days – Post Link

Northwest Savings Bank (Data Points)

[Days]

201612docDEA [2], 
201701docSHA [2], 
201703docENO [3], 
201704docLIZ [6]

Old National Bank

Old National Bank (Terms)

Within 75 days of account opening

Old National Bank (Data Points)

[Days]

201901docARN (01/17) [1]

Orange County Credit Union

Orange County Credit Union (Terms)

90 days – Post Link

Orange County Credit Union (Data Points)

[Months?]

201801redMEN (12/31) [3]

PeoplesBank

PeoplesBank (Terms)

45 Days – Post Link

PeoplesBank (Data Points)

[Days] to [Weeks] [2] [Weekly Batch?]

201703docCIC (03/16) [2], 
201703docDAN (03/24) [2],  
201709docMIM (09/08) [8], 
201709docRIC (09/08) [9], 
201709docAVI (09/08) [16]

People’s United Bank

People’s United Bank (Terms)

3 months after expiration of offer – Post Link

People’s United Bank (Data Points)

[Months?] [2]

201702redJED

PNC

PNC (Terms)

60 – 90 Days – Post Link

PNC (Data Points)

[Days] to [Months] [1] – (Not sure exact pattern but it generally takes around a month)

201510docQUA (10/28), 
201511docDOU (11/03), 
201606docAND (06/25), 
201607docKEN (07/01), 
201607docWAY (07/08), 
201612docSTR (12/09), 
201612docDH7 (12/09), 
201702docFRA (02/22), 
201702docERI (02/22), 
201703docSHE (03/29), 
201703docLEA (03/30), 
201705docPNC (05/23), 
201705docJON (05/24), 
201706docROX (06/27), 
201707redMAN (07/24),
201708redEAG (08/16),
201708redQUA (08/19),
201709docONT (08/28)

Popular Community Bank

Popular Community Bank (Terms)

90 Days – Post Link

Popular Community Bank (Data Points)

[Weeks?] [2-3]

201701docJAK (01/27) [3], 
201702docSTE [2], 
201709docJAS (09/09) [2]

Regions

Regions (Terms)

120 Days – Post Link

Regions (Data Points)

[Days] to [Months] (1) – (Monthly Batch?)

201607docCAT (07/13) [9], 
201702docRAJ (02/14) [8]
201702redSRI [7], 
201702redTBR [2],
201711redCHU (11/22) [3],
201712red1GE (12/15) [3],
201910docMIK [2 Months]

Santander

Santander (Terms)

Don’t See It – Post Link

Santander (Data Points)

[Months] (2-[3]-4)

201608docCHR, 
201701docJAM, 
201702docBRE (02/14), 
201702redSOU [3],
201705docDT_ (05/26), 
201705docALE (05/27),  
201706docDAV (06/02), 
201706docLAU (06/09), 
201706docBOB (06/14), 
201707docKT_ (06/20),
201707redSCR (07/13) [3] 
201708docBEN (08/15)

Seacoast Bank

Seacoast Bank (Terms)

65 Days – Post Link

Seacoast Bank (Data Points)

[Weeks?]

201512docCB_ [2],

Signature Bank of Georgia

Signature Bank of Georgia (Terms)

30 days of meeting requirements – Post Link

Signature Bank of Georgia (Data Points)

201709redNE0

SunTrust

Suntrust (Terms)

8 Weeks – Post Link

Suntrust (Data Points)

[Weeks] to [Months] (3) [?]

201702redWER [1w], 
201702redYT- [3m],
201704docSPA (04/21) [3m], 
201707docDUD (06/22) [3w],
201708redSTO (08/02) [13d],
201708docSEA (08/10) [16d],
201708redNAT (08/10) [16d] (duplicate),
201708docJEF (08/10) [18d]
201907docMIK

TCF Bank

TCF Bank (Terms)

Business Day Following – Post Link

TCF Bank (Data Points)

[Days]

201706docSEC [2], 
201707redSUL (07/03) [4],
201708docSME (08/01) [2], 
201708docRAV (08/02) [2],
201708redWVA

TD Bank

TD Bank (Terms)

95 Days (from Account Opening) – Post Link

TD Bank (Data Points)

[Months] [1-[2]-3][Every Two Week Batch?] (Wednesday?)

// Wonder if some reporting dates off by one day are a pending/posted difference.

201609docELG [2], 
201608docDIG (08/25) [2], 
201608docRG_ (08/25) [2] 
201611docSTR (11/14) [2], 
201611docDH7 (11/14) [2], 
201611docJAS (11/23) [2] 
201702docANI (12/20) [2], 
201702docJUI (02/14) [2], 
201704docBOB (03/14) [2], 
201706docDT_ (05/31) [3], 
201706docR_W (05/31) [2], 
201706docC_L (05/31) [3], 
201706docJC_ (05/31) [3],  
201706docYET (05/31) [3] 
201706docAMB (06/07) [3], 
201706docBEN (06/14) [2], 
201706docGRE (06/14) [2], 
201706docAND (06/14) [2], 
201706docKS_ (06/14) [2], 
201706docJUA (06/14) [2], 
201706docWES (06/14) [2], 
201706docNBG (06/14) [2], 
201706docANO (06/16) [2], 
201706docCIC (06/29) [2], 
201706docASH (06/28) [2], 
201707docRS_ (06/28) [2], 
201706docNIC (06/28) [2], 
201707docSPE (07/11) [2], 
201707docJOS (07/11) [2], 
201707docTER (07/26) [2], 
201707docSCO (07/26) [2], 
201708docAMO (08/09) [2], 
201708docDAN (08/10) [2], 
201709docCHR (09/06) [1], 
201709docZAC (09/06) [2],
201907docMIK [2]

Tech CU

Tech CU (Terms)

Don’t See It – Post Link

Tech CU (Data Points)

[Days] to [Months] [1?] [End of Month Batch]

201511docRAY (10/31), 
201601docDAV (12/31), 
201601docENO (12/31), 
201608docPAN (07/31), 
201612docERI (06/30),
201702redOUT,
201801redTEP (12/31)

Thrivent Federal Credit Union

Thrivent Federal Credit Union (Terms)

60 Days of Account Opening – Post Link

Thrivent Federal Credit Union (Data Points)

[Months] (2)

201905docRAE

TIAA Direct

TIAA Direct (Terms)

Don’t See It – Post Link

TIAA Direct (Data Points)

[Months] (2-3)

201611docRY_ (11/16) [2], 
201611docQT_ (11/16) [3], 
201611docDAN (11/16) [3], 
201612docD2D (12/16) [2], 
201612docMRP (12/26) [2], 
201612docBOB (12/27) [3], 
201612docREV [3], 
201612docDIL (12/30) [3]

TruWest Credit Union

TruWest Credit Union (Terms)

60 Days of Account Opening – Post Link

TruWest Credit Union (Data Points)

[Days?]

201707docDAN (07/06) [8]

Union Bank and Trust

Union Bank and Trust (Terms)

30 Days – Post Link

Union Bank and Trust (Data Points)

[Days?]

201706docCHR (06/12) [4], 
201706docCAR (06/22) [7], 
201706docCHR (06/22) [7], 
201707docSTA (07/13) [3]

US Bank

US Bank (Terms)

60 Days – Post Link

US Bank (Data Points)

[Days] to [Months] [1] (Monthly Batch Job?)

201702redGDQ [3], 
201702redOUT, 
201702redTAL [Few Days], 
201706redSEE (07/05) [5], 
201707redROC, 
201707redCRO, 
201708docGRA (08/04) [29], 
201708docFRO (08/04), 
201708redMIS (08/04), 
201708redQUA (08/04), 
201709docJOS (09/08) [10], 
201709docBOB (09/08) [26]

Wells Fargo

Wells Fargo (Terms)

45 Days – Post Link

Wells Fargo (Data Points)

[Days] (2-3) (2 Business Days?)

201606docKEI [2], 
201701docDA_ [3] 
201702docBOB [2], 
201702docSAM [3], 
201702docJAS [3], 
201702redNIG [2], 
201702redVEN [2], 
201702redPEA [Few Days], 
201702redTHU [2],
201702redCOO [2], 
201703docSUP [3], 
201703docJR_ [3],
201706redMSA [Few Days], 
201706redY3L [2], 
201707redTWE [12],
201707redPWN [Real Long], 
201708redMUJ [2],
201709docKIR (09/21) [4],
201907docMIK [5]

Warnings

(In addition to all the standard disclaimers,) this resource is incomplete and filled with errors.

It is an attempt to summarize and categorize rules inferred from community data points.

Final Notes

Please consider sharing your data points and/or ideas on this topic to help make this page a better community resource.

All the best!

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56 Comments

newest

oldest most voted

justmeha (@guest_1124085)

January 8, 2021 04:17

#1124085

multiple DP of hsbc posting on the second statement

Author

Don L(@don-l)

January 8, 2021 12:51

#1124259

justmeha

Thanks, updated the post

raekwon (@guest_832802)

October 30, 2019 12:59

#832802

– Dollar Bank: opened 09/20/19, completed requirements 10/29/19, bonus received 10/30/19
— terms said “within 14 days.” Took one day.

October 31, 2019 16:11

#833499

raekwon

Thanks for sharing your Dollar Bank posting DP, linked to it from above

raekwon (@guest_768174)

June 7, 2019 10:08

#768174

Surprised to see only one (very old) Chase data point in this post, so here’s another…

— Opened 04/23/19, completed 05/08/19, received bonus 05/14/19
— Terms said within 10 business days of requirements, actually took 4 business days (which was on a Tuesday)

Looks like the “first Tuesday after completing requirements” thing is still holding true.

June 8, 2019 13:22

#768553

Thanks, added a link to your First Merchants DP, sounds good on Chase [if still consistent, I’ll just leave the one link]

raekwon (@guest_767601)

June 6, 2019 10:25

#767601

– First Merchants Bank: opened 03/20/19, completed 04/05/19, received 06/06/19
— terms said within 8 weeks of completing requirements, actually took 8 weeks + 6 days

raekwon (@guest_757198)

May 8, 2019 14:56

#757198

– Thrivent Federal Credit Union: opened 09/06/18, completed 09/10/18, received 11/12/18
— terms said within 60 days, actually took 63 days

– BBVA Compass checking: opened 11/06/18, completed 12/7/18, received 02/14/19
— terms said within 90 days, actually took 69 (nice!) days

– BBVA Compass savings: opened 12/17/18, completed 01/23/19, received 05/03/19
— terms said within 90 days, actually took 101 days (plus 5 or 6 secure messages)

– BMI Federal Credit Union: opened 02/09/19, completed 03/08/19, received 03/08/19
— terms said within 10 days, happened same day

– BB&T: opened 01/17/19, completed 02/08/19, received 04/09/19
— terms said within 4 weeks of account eligibility review (which takes place between 76 and 90 days of account opening, which makes 4 weeks after somewhere around 104 to 118 days after account opening), actually took 83 days

May 21, 2019 12:37

#761443

Thanks updated the post with your DPs, sorry for the delay

Arnie (@guest_712751)

January 27, 2019 18:21

#712751

Old National posted $200 bonus 1 day after completing requirements (Jan 17 2019)

January 28, 2019 12:46

#713092

Arnie

Arnie, thanks of the DP on Old National Bank, updated above.

Jen* (@guest_696795)

December 27, 2018 13:44

#696795

Capital bank bonus of $200 with direct deposit requirement. I had first direct deposit post on 12/14/18 and $200 bonus posted on 12/20/18

December 28, 2018 12:17

#697152

Jen*

Thanks, Jen* added above

Gerhardt (@guest_692899)

December 18, 2018 20:00

#692899

From all of the new discussion on the Elements Financial $200 bonus page, it looks like the timeline is a few months, not days anymore.

December 19, 2018 14:46

#693466

Gerhardt

Thanks added your note on Elements Financial

Charles Mann (@guest_693495)

December 19, 2018 15:21

#693495

Don L

It only took Elements a few days to deny my online application per Chex.

BigBonusGuy (@guest_611432)

July 1, 2018 22:56

#611432

For a Huntington 5 Account:
Opened – 3/22
Transfer of $1025 – 3/26
Transferred out in two transfers 3/28 and 5/15
Bonus Posted 6/27
(Worth noting that other than $1000 deposit another requirement of the bonus was for the account to remain open for 90 days, which occured 6/20)

July 2, 2018 10:24

#611597

BigBonusGuy

Thanks for sharing BBG, maybe bonus posting times are increasing for Huntington

BigBonusGuy (@guest_608942)

June 26, 2018 18:27

#608942

Elements Financial
Approved with (probably) 4 Chex Inq in Last Year, 5 All Time
(Assuming Key, Huntington, Regions, and Wells Fargo all pulled Chex)
Schwab Checking Transfer – 5/25
Employer DD 6/15
Bonus Posted (Savings Account) 6/20
Not sure what that means for P2P Transfers, but I waited a while to see if Schwab would trigger it. I suspect it didn’t and because I had a DD coming up I figured I might as well use it.

June 27, 2018 12:47

#609213

Thanks BBG, added Elements DP