Bounty

Fidelity Bank Business checking bonus: is $500 worth it?

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

+$398: more than leaving it at 4.15%

With $10,000 for 90 days, the tier that adds the most.

With the bonus20.28%
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.

  • $10,000
    $450 bonus · 90 days
    +$348
  • $10,000Best for you
    $500 bonus · 90 days
    +$398

The math

Compared with leaving $10k at 4.15%

Bonus
+$500
Interest while it's there
No interest assumed
$0
What it'd earn at home
$10,000 at 4.15% for 3 mo
−$102
Extra
+$398
Works out to 20.3% a year on that cash, vs 4.15% at home.

Keep $10,000 there until day 90 · Sign up for Business Online Banking with EZ statements. Terms checked Oct 9, 2026.

About this bonus

What it takes

  1. 1Keep $10,000 there until day 90
  2. 2Sign up for Business Online Banking with EZ statements
Ends
No end date listed
Where
Pennsylvania
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 120 days of finishing
Credit check
A ChexSystems inquiry (not your credit score)

Similar bonuses

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

Questions

Is the Fidelity Bank Business checking 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 +$398: the $500 bonus, minus the $102 that cash would have earned in 90 days. The $10,000 tier adds +$348. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Keep $10,000 there until day 90; sign up for Business Online Banking with EZ statements. Open to residents of Pennsylvania.

When does it end?

No end date is listed. The terms were last checked Oct 9, 2026.