Columbia Bank Personal Checking bonus: is $250 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $3,000 while it's there, bonus included.
The math
Compared with leaving $3k at 4.15%
Get $3,000 in direct deposits within 90 days · Average $3,000 from day 1 to day 90 · Enroll in online banking within 90 calendar days of account opening; promo must be…. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get $3,000 in direct deposits within 90 days
- 2Average $3,000 from day 1 to day 90
- 3Enroll in online banking within 90 calendar days of account opening; promo must be…
- Ends
- No end date listed
- Where
- California
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 45 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Columbia Bank Personal Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $3,000 tier adds +$219: the $250 bonus, minus the $31 that cash would have earned in 90 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get $3,000 in direct deposits within 90 days; average $3,000 from day 1 to day 90; enroll in online banking within 90 calendar days of account opening; promo must be…. Open to residents of California.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.