FNBO Free Checking bonus: is $500 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $0 for 120 days, the tier that adds the most.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$300$0$300 bonus · 120 days
- +$500$0Best for you$500 bonus · 120 days
The math
Get 3 direct deposits of $1,500+ within 90 days · Keep account open and in good standing (not overdrawn) for at least 120 days from opening. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get 3 direct deposits of $1,500+ within 90 days
- 2Keep account open and in good standing (not overdrawn) for at least 120 days from opening
- Ends
- Oct 31, 2026
- Where
- 10 states: CO, IL, IA, KS, MO, NE, SD, TX, WI, WY
- Monthly fee
- None
- Keep it open
- At least 120 days, or the bonus can be taken back
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the FNBO Free Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$500.
What are the requirements?
Get 3 direct deposits of $1,500+ within 90 days; keep account open and in good standing (not overdrawn) for at least 120 days from opening. Open to residents of CO, IL, IA, KS, MO, NE, SD, TX, WI, WY.
When does it end?
The offer ends Oct 31, 2026. The terms were last checked Oct 10, 2026.