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.)

Short Intro

DoC offers a number of valuable bank resources pages:

• Bank Accounts That Can Be Funded with a Credit Card,
• Is Opening A Bank Account A Soft Or Hard Pull?,
• List of Methods Banks Count As Direct Deposits,
• … ,
• Bank and Credit Unions That Are ChexSystems Inquiry Sensitive,
• Complete List of Ways to Close Bank Accounts at Each Bank

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?

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!