Ion Bank Free Choice Checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$300: more than leaving it at 4.15%
The math
Bonus
+$300
Extra
+$300
Get 3 direct deposits of $1,000+ within 90 days · Make 12 debit card purchases within 90 days. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get 3 direct deposits of $1,000+ within 90 days
- 2Make 12 debit card purchases within 90 days
- Ends
- Dec 31, 2026
- Where
- Connecticut, New Jersey
- Monthly fee
- None
- Bonus paid
- Usually within 45 days of finishing
- Credit check
- None
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Ion Bank Free Choice Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$300.
What are the requirements?
Get 3 direct deposits of $1,000+ within 90 days; make 12 debit card purchases within 90 days. Open to residents of Connecticut, New Jersey.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.