OMB High Interest 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 $0 while it's there, bonus included.
The math
Compared with leaving $0 at 4.15%
Set up a direct deposit within 90 days · Keep $0 there until day 90. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Set up a direct deposit within 90 days
- 2Keep $0 there until day 90
- Ends
- Dec 31, 2026
- Where
- Missouri, Kansas
- Monthly fee
- None
- Closing early
- $25 within 90 days
- Cash stays
- About 90 days
- Bonus paid
- Usually within 30 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 OMB High Interest Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $0 tier adds +$250: the $250 bonus, minus the $0 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?
Set up a direct deposit within 90 days; keep $0 there until day 90. Open to residents of Missouri, Kansas.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.