Bounty
Worth it?

C&N Bank Consumer checking + optional Key Savings/Super Money Fund/CD and Home Equity Line&Lock bonus: is $1,000 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$984: more than leaving it at 4.15%

With $10,000 for 14 days, the tier that adds the most.

With the bonus260.71%
Leave it where it is4.15%

Yearly rate on $10,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $25
    $300 bonus · 14 days
    +$300
  • $10,000
    $600 bonus · 14 days
    +$584
  • $10,000Best for you
    $1,000 bonus · 14 days
    +$984

The math

Compared with leaving $10k at 4.15%

Bonus
+$1,000
Interest while it's there
No interest assumed
$0
What it'd earn at home
$10,000 at 4.15% for 14 days
−$16
Extra
+$984
Works out to 260.7% a year on that cash, vs 4.15% at home.

Deposit $10,000 in new money within 7 days · Option A: 12+ transactions on the checking account each month for six consecutive… · Get $1,000 in direct deposits within 180 days · Deposit $10,000 in new money within 14 days · Alternative for tier 2 (required for tier 3). Terms checked Oct 9, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $10,000 in new money within 7 days
  2. 2Option A: 12+ transactions on the checking account each month for six consecutive…
  3. 3Get $1,000 in direct deposits within 180 days
  4. 4Deposit $10,000 in new money within 14 days
  5. 5Alternative for tier 2 (required for tier 3)
Ends
Dec 31, 2026
Where
Pennsylvania, New Jersey, New York
Monthly fee
None
Keep it open
At least 180 days, or the bonus can be taken back
Cash stays
About 14 days
Bonus paid
Usually within 45 days of finishing
Credit check
A ChexSystems inquiry (not your credit score)
Terms checked Oct 9, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the C&N Bank Consumer checking + optional Key Savings/Super Money Fund/CD and Home Equity Line&Lock bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $10,000 tier adds +$984: the $1,000 bonus, minus the $16 that cash would have earned in 14 days. The $10,000 tier adds +$584. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $10,000 in new money within 7 days; option A: 12+ transactions on the checking account each month for six consecutive…; get $1,000 in direct deposits within 180 days; deposit $10,000 in new money within 14 days; alternative for tier 2 (required for tier 3). Open to residents of Pennsylvania, New Jersey, New York.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.