Bask Bank $200 Checking Bonus, Direct Deposit Not Required

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Nationwide
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes, not sensitive
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: November 29, 2024

The Offer

Direct link to offer

  • Bask Bank is offering a $200 bonus when you open a new checking account. Bonus is broken down as follows:
    • Conduct two (2) electronic Bill Center transactions of a combined minimum total of $50, posting each month through March 31, 2025 and receive $50 per month up to $200.

The Fine Print

  • Must have a new or existing Bask Interest Checking Account by November 29, 2024.
  • Perform qualifying activities between September 2024 and March 2025.
  • Conduct two (2) electronic Bill Center transactions3 of a combined minimum total of $50, posting each month through March 31, 2025.
  • Qualifying participants will receive a $50 cash reward each month1 from September 2024 through March 2025 with continued qualifying activity. The cash reward will be paid to your Bask Interest Checking Account at the close of each statement period after all qualifying activities are met.
  • If one or more of the qualifying activities are not met within a statement period, the cash reward will not be paid for that statement period.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

Unclear if there is any EATF.

Our Verdict

Seems like a nice bonus given no direct deposit is required. It’s possible that it’s ChexSystems sensitive, if it’s not I can see this bonus being pulled early due to the popularity of it.

Hat tip to Gz

Useful posts regarding bank bonuses:
    William Charles
  • On September 18, 2024, 10:00
Tags: bignationwide bank bonusesno credit card fundingsoft pull

View Comments (281)

  • P1 instant denied. P2 instant approval. Tried P1 again, instant approval. No change in anything that got P1 approved 2nd time around. Try applying again if you got instant denied.

  • What would fall under the bill center payment umbrella? I pay rent/utilities through apartment portal, and all other monthly bills are through my roommate. Phone is annually billed through Mint. Would I be able to pay CC or bill pay to a friend? Any DP appreciated

    • You should look for something that can be paid using their bill pay interface in online banking... that's paid electronically.

      Same CC paid twice in the same month, for two months, is probably the easiest.

      Safest would be two different credit cards in the same month, for two months. Each for $25+.

  • I was denied with the message "Based on the information provided, we cannot open a Bask Bank account for you at this time." I got a follow-up email saying it was based on Chex.

    I checked my score and report after the Bask inquiry. Chex Score likely between 550-600 before the Bask inquiry. Inquiries before Bask: 3/1, 5/12, 11/24.

    I'd guess I was denied due to my ChexSystems score or a reason other than my inquiries based on some of the data points below.

    • Was going to try an experiment, but it looks like Chex isn't going to allow me to submit more than one score report a day. BEFORE I applied for Bask, my Chex score was 688.

      Instant approved...

      Chex numbers, not counting Bask: 3/1, 3/2, 4/3, 8/6, 18/12, 32/24, 56/36.

      • What do the Chex numbers of 3/1, 3/2/, 4/3, etc. mean exactly? Every time I Google it all I see is the credit score looking thing referenced. Is it number of accounts in the last month, number las two months, number last three months, and so on?

        • Usually I put (inquiries/months) next to my numbers, but sometimes I get tired of typing it out... Yes. @guest_1915299

          But, not necessary accounts... inquiries on Chex. You can apply for a bunch of EWS banks or Fintechs and might not get any Chex inquiries.

          Then there is the LoL/24, the famous marker of someone who is not going to look, or cannot access their Chex.

  • So I am clear- if I make two $25 payments per month to any credit card (from September through March) then I am good?

        • Conduct two (2) electronic Bill Center transactions3 of a combined minimum total of $50, posting each month through March 31, 2025.
        • Qualifying participants will receive a $50 cash reward each month1 from September 2024 through March 2025 with continued qualifying activity. The cash reward will be paid to your Bask Interest Checking Account at the close of each statement period after all qualifying activities are met.

        • I see that but also if you don't continue until March 2025, are they going to take the money out of your account? Can they even really do that?

          • Unlikely. Have you seen a bank do a claw back on a deposit account bonus? I haven't. @guest_1915231

  • "Based on the information provided, we cannot open a Bask Bank account for you at this time." In my experience that means Chex, and they may be sensitive as I'm at 11/24

    • What exactly does the 11/24 mean? Does this mean you have 11 accounts opened in 24 months?

      I'm curious because I still am unable, been trying for months, to create an account with the Chex website. Every time I try, it says "a security quiz based on the information you provided could not be generated" and I can't go further and just stuck in this catch 22 loop.

      • Also could not get around the "seсurity quiz" problem even by pushing the most senior supervisor I could reach.

        At first they cited a problem with partner idology, but those confirmed the availability and correctness of my data with them. After that I have not been able to force Chex to involve technical experts in the problem.

        • Interesting... so I'm not alone! Everybody here throws around all their Chex stuff constantly it feels like I'm the only one that doesn't know/can't access mine.

  • Also on landing page: "Open a new Bask Interest Checking Account through December 31, 2024, complete the qualifying activities and you can earn an additional 2.00% annual percentage yield (APY) on top of your base rate of 1.00% APY through January 31, 2025."Looks like this can be done in conjunction with the $200 bonus offer?"

    • Upper left corner "sandwich"
      Discover
      Finance
      Sort Max-Min
      Discover Savings Opps worth 6000 SB
      Bask Savings Offer
      Engage

      • hm i found the offer and followed the link but the sb button doesn't turn on and there's no prompt/button to turn it on, have i missed something?

        • What button?

          Click "Get 6000 SB" then you'll land on a new page which lists about 5 banks. Click "view details" to start the account opening process at the bank you choose.

          • The Swagbucks “click here to activate” button that sometimes shows in the browser/little green checkbox on the extension logo (basically the indicators that Swagbucks actually tracked the offer properly)- I wound up checking activity and it shows as visited but I suspect I’ll really have to fight to get things credited.

  • I received a text message asking me to verify my ID. I clicked the verification link and was directly redirected to the page I applied for to start verification. After verification, I was prompted to return to the application page to check the results. However, I can no longer find the application page, and now I haven't received any emails. I don't know whether the account opening was successful.

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